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Your Essential Guide to Private Lending in Australia

Private lending in Australia has become one of the fastest-growing alternatives to traditional finance offering faster approvals, flexible lending criteria, and solutions for borrowers who need funding that banks won’t or can’t provide.

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This Knowledge Hub is the largest educational resource in Australia dedicated to private lending.


Created by Innovate Funding, it answers every common question borrowers, brokers, accountants, solicitors and developers ask about private loans, including:

  • What private lenders look for

  • How LVR works

  • How to secure a second mortgage

  • How fast private loans settle

  • What documents you need

  • NCCP-exempt lending

  • Bridging, construction, development, and short-term business loans

  • Borrowing for tax debt, business cashflow, renovations, ATO arrears, property purchases, and more

This hub links to every major topic and sub-topic, making it easy to understand how private lending works and find the right solution.

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Understanding Private Lending

What Is a Private Lender?

Private lenders are non-bank funders who provide short-term, asset-secured loans. These loans are typically:

  • Fast to approve

  • Flexible in criteria

  • Secured against real estate

  • For business or investment purposes

Learn more: Private Lending in Australia

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Key Loan Types Explained

First Mortgage Loans

Used for purchases, refinancing, business cashflow or investment.
Learn more: First Mortgage Loans

 

Second Mortgage Loans

Unlock equity behind an existing first mortgage.
Learn more: Second Mortgage Loans

 

Bridging Loans

Funding between selling one property and buying another.
Learn more: Bridging Loans

 

Short-Term Business Loans

Fast cashflow finance for SMEs — secured against property.
Learn more: Short Term Business Loans

 

Bad Credit Business Loans

Loans designed for clients who don’t fit traditional bank criteria.
Learn more: Bad Credit Business Loans

 

Construction & Development Finance

Funding for builders and developers at all stages.
Learn more:

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Key Concepts: LVR, Rates & Fees

Understanding LVR (Loan-to-Value Ratio)

Private lenders assess deals based on peak debt, including:

  • Interest capitalisation

  • Fees

  • Construction costs

  • Existing debt

  • New loan amount

Learn more: LVR & Lending Scope Explained

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Popular Questions About Private Lending

Loan Type Questions

 

Borrower Scenario Questions

These pages attract extremely high-intent leads.

  • Can I get a private loan if I’m behind on payments?

  • Can I borrow for tax debt?

  • Can I get a loan while selling my property?

  • Can I get funding for business expenses?

  • Can I get a loan for renovations?

  • Can I get a loan with bad credit?

  • How fast can private loans settle?

 

Documentation Questions

Perfect for ranking for “private lending requirements” style queries.

  • What documents do I need for a private loan?

  • What is required for conditional approval?

  • What is a statutory declaration for private lending?

  • What is an exit strategy and why do lenders need it?

 

LVR & Risk Questions

  • What LVR do private lenders go to?

  • What is peak debt?

  • Does LVR include rates and fees?

  • How do lenders assess construction risk?

  • Why do private lenders charge higher rates?

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Industry-Specific Lending

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Location-Specific Private Lending

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Why Borrowers Choose Private Lending

Common benefits include:

  • 24–48 hour approvals

  • Funding for urgent scenarios

  • Solutions banks decline

  • Business-purpose loans without NCCP restrictions

  • Interest-capitalised options

  • Up to 75% LVR depending on security

Internal link: Why Choose Innovate Funding

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How to arrange a loan with Innovate Funding

Simply send us the scenario via deal@innovatefunding.com.au, we will assess it within 24-48 hours and provide you indicative terms or a solution if we are unable to fund it.

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