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8 Unique Commercial Loans in Australia

  • Innovate Funding
  • Sep 22, 2023
  • 3 min read

Updated: Nov 4

Navigating the range of commercial loan options can feel overwhelming, but with Innovate Funding on your side it becomes simple. As one of Australia’s private lending specialists, we connect businesses with non bank lending solutions that offer speed, flexibility and personalised service.


In this guide we will walk through eight commercial loan types you can access through Innovate Funding, each suited to a different business or property finance need.


Commercial private lending solutions for Australian businesses by Innovate Funding

1. Private finance loans for businesses

Private finance loans are ideal for business owners who want flexible funding without the long approvals that come with the banks. Private lenders look at the strength of your security and your exit strategy, not only your tax returns.


2. Bridging loans for seamless transitions

A bridging loan helps you buy or secure a property before an existing sale or refinance is complete. This is useful when timing is tight. Innovate Funding connects you with private lenders who offer short term bridging facilities and fast approvals.


3. Private construction loans

If you are building, renovating or doing a small scale project, a private construction loan can fund the project in stages. Private lenders are often more flexible than banks on valuation, presales and timing.


4. Caveat loans for fast access to capital

A caveat loan is a fast business purpose loan secured against property. It suits urgent tax payments, supplier payments or time sensitive opportunities. Because it is secured, approval can often happen in twenty four to forty eight hours.


5. Home equity loans for business use

You can unlock the equity in your home or investment property and use it for business growth, expansion, debt consolidation or working capital. Private non bank lenders are often more open to genuine business purpose lending secured by residential property.


6. Secured commercial loans

If your business owns assets or you have property available as security, a secured business loan can give you better terms than an unsecured option. This suits established operators who want to fund growth, fitouts or contractor payments.


7. Short term property loans

Sometimes you only need funds for a few months. Short term property loans are designed for investors and developers who need to act quickly and then exit via a refinance or sale. Private lenders can tailor the term to your project.


8. Development loans

Developers can access non bank development finance for land purchase, construction and subdivision. Because we work with private funders who understand the development life cycle, we can match the loan to your project timing and presale position.


Why work with Innovate Funding

At Innovate Funding we combine experience, efficiency and transparency to help Australian businesses secure the right type of funding. Whether you need a short term caveat loan, a construction facility or a tailored private loan, we can source a solution from our lender network.

Contact us at deals@innovatefunding.com.au or call 02 8919 3639


What types of commercial loans does Innovate Funding offer?

We specialise in private lending solutions including secured business loans, caveat loans, bridging loans, construction funding and development loans for Australian businesses.


Why should I use a non bank lender?

Non bank lenders can approve faster, are more flexible on credit history and can fund deals that banks decline.


How fast can I get funding?

Many private loans can be conditionally approved within twenty four to forty eight hours once security details are confirmed.


Can I use property as security?

Yes. Residential, commercial or investment property can often be used as security for business purpose lending.

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