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

In a recent deal, Innovate Funding delivered exactly that. We funded a $375,000 private loan in Oallen, NSW 2622, without requiring a valuation, secured against a property worth approximately $3 million. The borrower? A business owner in the art industry who needed capital urgently to stock up for the busy season. This is the power of private lending. In this post, we’ll walk you through how it worked and why it matters for businesses like yours. A Fast Turnaround: $375K Fund

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...

Sydney’s property market isn’t just for investors. It is a powerful financial tool for business owners. In today’s fast-paced economy,...

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...

Regional NSW is booming with opportunity. One of the latest examples? A bakery owner in Junee needed cash, fast, to renovate and expand...

In high-value suburbs like Brighton, VIC, time-sensitive property and business opportunities often require capital that traditional banks...

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...

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

In the current economic climate, cash flow disruptions are a common headache for small to medium businesses. For some, they result from...

When business moves fast, traditional bank loans can be painfully slow. That's where private lending steps in especially for companies based in the Sutherland Shire needing a quick cash injection without jumping through the usual hoops. Let's say you're a local business owner who needs $100,000 to purchase bulk inventory fast. You own a property in Cronulla or Miranda with equity to spare, but the bank's turnaround time won't cut it. Enter the second mortgage: a flexible shor

Over $50 billion. That's the staggering total of collectible tax debt currently owed to the Australian Taxation Office (ATO). This isn't...

Introduction: A Game-Changing Solution for Growing Businesses Refinancing to improve cash flow is often the key to unlocking new...