Deals and Insights

If you’re exploring financing options for property or business in Australia, you’ve likely come across the term capitalised interest . But what exactly does it mean? And how does it affect the amount you receive and your borrowing capacity? In this article, we break down capitalised interest in plain terms, compare it to interest-only repayments, and show how each structure influences the money you receive and how lenders assess your ability to borrow. What Is Capitalised Int

If you’re running a business in Australia and you’ve faced credit challenges, accessing finance can feel impossible. But bad credit business loans are real options for Australian business owners who need capital despite past financial setbacks. This guide breaks down what bad credit business loans are, where you can get them, how lenders assess applications, and practical strategies to improve your chances of approval. By the end of this article, you’ll understand how bad cre

Running a business often involves short-notice funding needs, whether it is managing cashflow, funding a time-sensitive opportunity, or covering unexpected costs. When traditional bank finance is too slow or unavailable, a short-term business loan can provide a practical solution. This guide explains what short-term business loans are, how they work, and when they are most appropriately used. What Is a Short-Term Business Loan? A short-term business loan is a form of finance

Business moves fast, but traditional lenders often don’t. Whether you’re managing cash flow gaps, pursuing an acquisition, or refinancing existing debt, accessing capital quickly can be the difference between seizing an opportunity and missing out entirely. That’s where private business loans come in. Flexible, fast, and tailored to your unique needs, they offer an alternative to the rigid criteria and slow response times of the major banks. In this article, we’ll explore exa

The Shift Toward Broker-Driven Private Lending Australia’s commercial finance landscape is changing fast. Traditional lenders are tightening their approval criteria, leaving many business owners, developers, and investors searching for faster, more flexible finance. At the heart of this transformation are finance brokers. Brokers now play a pivotal role in connecting clients to private funding and non-bank lending solutions that deliver when banks cannot. At Innovate Funding

Struggling to get approved by the banks? You're not alone. We recently funded a $950,000 first mortgage on a $2.5 million commercial property in metro Adelaide, held in a discretionary trust. The borrower needed to refinance an existing facility and release working capital to grow their business fast. The banks said no. We said yes. This real-life deal shows how private lending can unlock the equity in your commercial property even when it's held in a trust, or when your stru

Accessing business finance with a poor credit history can feel impossible especially through traditional lenders. Banks tend to rely heavily on rigid credit criteria, leaving many small to medium-sized business owners without the capital they need to operate, expand, or stabilise. But credit issues don’t have to stop your business from moving forward. If you own property, a second mortgage with bad credit can be a practical way to unlock equity and secure the funds your busin

Access to funding remains one of the biggest challenges facing Australian small and medium businesses. With traditional banks becoming increasingly conservative in their lending, many business owners are turning to alternative finance options, particularly loans secured by property. At Innovate Funding, we help business owners unlock equity in real estate to access the capital they need, whether through a first mortgage or a second mortgage, to fund business growth, solve cas

Cash flow is the lifeblood of any business, but accessing funding isn't always easy. In fact, over 45% of Australian SMEs reported difficulty securing traditional finance in the past year. If you're struggling to secure capital, a secured business loan might be the key to unlocking real growth without breaking your cash flow. Whether you’re purchasing equipment, expanding locations, or smoothing out cash flow, secured loans offer higher limits, better rates, and more flexibil

In today’s tight credit environment, finding the right funding can feel almost impossibole. Traditional banks are cautious. Loan...

Property development is an exciting venture, but it often comes with significant financial hurdles. Understanding how to finance your vision is essential for turning your ideas into reality. This blog post will explore the ins and outs of financing your property development project through loans specifically designed for property development activities. Understanding Development Project Financing Development project financing encompasses a range of funding options specificall

Understanding how second mortgage LVR Australia lending works is essential for any business owner seeking to unlock equity or secure additional funding. This guide breaks down LVR, gross loan amounts and how second mortgages operate in the Australian non bank lending market. Loan to Value Ratio, often called LVR, is one of the most important concepts in Australian lending. Whether you are applying for a first mortgage, second mortgage or private commercial loan, understanding

Introduction Cash flow problems can impact even the most successful businesses. Whether you run a retail store that needs to purchase stock or a construction company that requires upfront funding for a project, waiting for traditional bank loans can be costly. Banks have strict lending requirements and slow approval times, and they often do not understand the urgency that businesses face. That is where private lending comes in. At Innovate Funding , we specialise in finding f

Cash flow is the lifeblood of every business. Yet in Australia, nearly 40% of small and medium enterprises (SMEs) experience cash flow shortages that threaten their ability to operate and grow. With banks tightening their lending requirements, many business owners struggle to access finance when it matters most. This is where private lending becomes a game-changer. Unlike traditional banks, private lenders offer fast, flexible funding tailored to each business’s unique needs.

A Smarter Way to Fund Commercial Property in Australia Purchasing commercial property is one of the most effective ways to grow your business or diversify your investment portfolio. From office buildings to warehouses and retail spaces, commercial real estate offers strong, long-term returns. However, securing the right finance can be challenging. Banks often have slow, restrictive processes that delay approvals and in a competitive market, timing is everything. That’s where

Understanding Commercial Property Finance in Australia Securing the right commercial property finance in Australia can be the difference between business growth and missed opportunity. With banks tightening their lending criteria, many Australian companies are turning to non-bank and private lenders for faster, more flexible solutions. At Innovate Funding , we specialise in commercial property finance that adapts to your business goals. Our 60% Loan-to-Value Ratio (LVR) loans

In today's fast-paced world, time is often a luxury, especially when securing financing for urgent needs. Whether you're looking to bridge the gap between buying a new property and selling an existing one or need quick access to funds for other purposes, a fast bridging loan in Australia can be the perfect solution. However, finding the right lender and rate can take time and effort. That's where Innovate Funding steps in, offering a seamless solution to help you secure the b

In the dynamic world of business finance, finding the right loan can make all the difference. In Australia, companies can access various...

Securing finance as a small business owner in Australia can be challenging. Traditional banks often make the process slow and restrictive, with stringent requirements and complex approval steps that frustrate many borrowers. Fortunately, non-bank lenders such as Innovate Funding  have introduced a new generation of innovative mortgage solutions that focus on flexibility, speed, and accessibility. By assessing loans based on property value instead of just cash flow, they’re op

In the dynamic world of small business, access to extra capital can be a game-changer. Whether you are looking to expand operations, invest in new technology, hire additional staff, or manage cash flow, having the financial flexibility to seize opportunities and navigate challenges is crucial. One effective way to secure this capital is through lending against property. In this blog, Innovate Funding will explore how extra capital can assist your small business objectives in