Deals and Insights

Accessing equity quickly can be challenging when a property already has a first mortgage in place. This is a common issue for property owners and business owners in St Kilda who need capital but want to avoid refinancing their existing loan. In this case study, we outline how a $450,000 second mortgage was structured through private lending, delivering fast access to funds while keeping the first mortgage in place. The Borrower Scenario The borrower owned a well-located resid

Refinancing a commercial property can be challenging especially when existing lenders charge high interest rates or impose restrictive terms. For property owners in Sans Souci, finding the right finance solution is essential to maintain positive cash flow and secure long‑term growth. That’s where private lending Sydney steps in as a flexible and responsive alternative to traditional bank finance. In this blog, we explore why a $550,000 refinance for a commercial property in S

A Bridging Loan in NSW is often required when timing matters more than anything else. In this recent transaction, Innovate Funding assisted a client in securing a time-critical bridging loan in New South Wales, allowing them to proceed with a property transaction without delay. This case study highlights how the right loan structure and lender selection can make all the difference. The Scenario The client was an experienced property owner who needed short-term funding to brid

Private lending continues to play an important role for Australian businesses that require fast access to capital outside traditional bank timeframes. This is particularly true for small business owners who need working capital quickly and cannot wait weeks for bank approvals. This case study outlines a private lending Wantirna VIC transaction where $121,000 was provided for business working capital, settling within one week on a 12 month term. This article is educational and

Accessing fast business finance in regional areas like Mount Gambier SA 5290 can be a challenge especially for small businesses and professional practices that don’t tick every box for the banks. We recently funded a $210,000 second mortgage loan for a growing medical practice in Mount Gambier, enabling them to purchase diagnostic equipment and hire new staff without needing to refinance their existing facility. 1.75% interest rate p/m 12-month term with capitalised interest

When time is money, private lending becomes the smarter choice. A recent deal we funded in Mosman, NSW highlights exactly why more borrowers are turning to non-bank lending when banks simply can’t move fast enough. In this case, the client needed $250,000 in working capital. And they needed it fast. Their request? A 3-day turnaround. Our team at Innovate Funding moved quickly and had everything ready within that timeframe. But as often happens, the delay wasn’t on our side. T

A Fast Turnaround: $375K Funded Without a Valuation For many business owners, especially in regional parts of New South Wales, getting finance through the traditional banking system is slow, rigid, and often just doesn’t fit. Banks typically require valuations, full-doc financials, and time. Lots of it. But this client couldn’t wait. Their art business had a limited-time opportunity to buy discounted stock in bulk. Timing was critical. At Innovate Funding , we assessed the de

When commercial borrowers need speed and certainty, private lending becomes the most practical solution. Our recent $4 million first mortgage arranged on a $35 million commercial property in Coogee NSW shows how non-bank lending delivers fast, flexible results that traditional banks simply cannot match. In this case, the borrower needed urgent commercial debt consolidation, a low interest rate of 8.5 percent, and a 12 month term without the lengthy processes, strict requireme

Businesses across Australia are turning to private lending when traditional banks cannot provide fast or flexible finance. Innovate Funding recently helped a company borrower in Alexandra Hills QLD 4161 secure a $125,000 second mortgage against a commercial property. The loan was structured on a 6-month term, giving the business the immediate capital it needed to continue trading confidently. This case study shows how second mortgages can support business growth and provide f

Rising costs. Slowing cash flow. Mounting debts. If you’re a business owner in Australia, this may feel familiar. One of our clients recently secured a $275,000 second mortgage loan on a property in Pascoe Vale South VIC 3044. Their goal? To consolidate business debts and inject much-needed working capital into their operations. With no time to wait for a traditional bank, they needed fast funding—and that’s exactly what private lending delivered. This blog breaks down how a

An investor in Sydney recently used a combination of equity release and private lending to fund a full property flip on the Central Coast. The project was completed within a 10-month loan term using $1.21M in non-bank funding. Flipping property is a proven way to build short-term profits, but it requires more than just renovation skills. You need capital. Fast. And traditional banks often aren’t equipped to help flippers act quickly. That’s why experienced investors turn to p

What is a Business Refinance Loan? A business refinance loan replaces one or more existing debts with a new facility. This can provide improved terms, greater flexibility, or faster access to capital. Business owners often use refinance loans to: Consolidate multiple loans Pay out expiring or high-interest debt Release equity from commercial or residential property Improve cash flow and liquidity Bridge to a sale or long-term funding In contrast to traditional lenders, non-ba

Australia’s property flipping scene is booming, but so is the competition. With tight timelines, cash-heavy deals, and properties that often don’t meet bank lending criteria, many investors are getting stuck at the funding stage. That’s where private lenders for house flipping in Australia come in. They offer fast, flexible finance options tailored for flipping projects, whether you're buying a rundown property, leveraging existing equity, or building a small development. Why

Sydney’s property market isn’t just for investors. It is a powerful financial tool for business owners. In today’s fast-paced economy, commercial success often depends on fast access to funding. The good news? If you own property, you may already have the key to unlocking business capital. We recently helped a client secure a short-term business loan using their residential property in Rose Bay, one of Sydney’s most prestigious suburbs. The goal was to fund business expansion

Getting your startup off the ground isn't just about passion—it’s about having the right funding at the right time. But what happens when a new business doesn't have financials to prove its trading history? That’s where secured business loans come into play—and we’ve got a real example to show you exactly how it works. In this post, we’ll explore: What a secured business loan is The benefits of using residential property as security How we helped a Brisbane-based startup secu

Regional NSW is booming with opportunity. One of the latest examples? A bakery owner in Junee needed cash, fast, to renovate and expand their growing business. But they also wanted to secure a prime block of land nearby, with a vision for future expansion. They reached out to us on a Thursday. By the following Tuesday, the funds were in their account and renovations were underway. That’s just three business days from application to settlement. Banks weren’t interested. The la

In high-value suburbs like Brighton, VIC, time-sensitive property and business opportunities often require capital that traditional banks can’t deliver quickly. In these situations, private lending plays a critical role enabling business owners to unlock equity rapidly and act decisively. At Innovate Funding, we recently assisted a Pty Ltd client who needed $1 million urgently to secure a deposit on a commercial property and inject working capital into their business. While t

Unlocking Business Growth Through Commercial Equity Accessing a second mortgage in Concord can be a powerful strategy for business owners who need fast working capital when banks say no. Unlike traditional lenders, Innovate Funding  provides private lending solutions that prioritise speed, flexibility, and real-world outcomes. That is exactly how we helped one Concord-based business owner access $200,000 in just two weeks, using a second mortgage to fund his company’s expansi

When time-sensitive goods are held at the port, business operations can grind to a halt. This was the situation for a Sydney-based importer whose inventory had arrived at the Port of Sydney. However, without immediate access to funds to pay import duties, their goods could not be released—jeopardising fulfilment deadlines, revenue, and customer relationships. Rather than facing the long delays associated with traditional bank lending, the business opted for a strategic altern

As Sydney's western corridor becomes one of the fastest-growing business regions in Australia, small business owners are increasingly seeking faster, more flexible finance solutions. Traditional banks often fall short regarding urgent funding, complex deal structures, or clients without pristine documentation. This is where private lending, no-doc lending, and non-bank loans step in as powerful alternatives. At Innovate Funding , we've been at the forefront of delivering priv