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How Does Innovate Funding Work With Brokers to Help Their Clients Get the Best Rates?
- Innovate Funding
- 5 days ago
- 5 min read
The commercial finance landscape in Australia is evolving. Traditional lenders are becoming increasingly conservative, and as a result, more clients are turning to private funding solutions for speed, flexibility, and accessibility.
At the centre of this shift are finance brokers. Brokers are uniquely positioned to help clients navigate a growing market of non-bank lending options. However, not all private lenders operate with brokers in mind. Some work directly with borrowers, while others offer limited support during the structuring and approval process.
At Innovate Funding, we do things differently. We are a direct private lender that works exclusively with brokers. Our approach is focused on collaboration, transparency, and delivering outcomes that reflect well on both the broker and their client.
This article explains how Innovate Funding partners with brokers to provide commercial clients with competitive private lending solutions that are tailored, fast, and broker-friendly.
How Does Innovate Funding Work With Brokers
Private lending is no longer just a last resort. For many business owners, property developers, and investors, private finance is often the most practical and strategic option particularly when time is critical or traditional criteria cannot be met.
Brokers play a critical role in this environment. You are not only connecting your clients to capital, but also advocating for their unique circumstances, financial structures, and timelines. You bring a deep understanding of your client’s objectives and are responsible for delivering a funding solution that meets them.
At Innovate Funding, we value and respect that role. Our lending model is built to support brokers by giving you direct access to decision-makers, custom loan structuring, and transparent pricing all while maintaining full control of the client relationship.
Our Process: Supporting Brokers at Every Stage
We have designed our lending process to remove friction and reduce turnaround times, while still delivering the flexibility that private lending requires. Here is how we work with brokers.
1. Initial Assessment and Indicative Terms
Once a broker introduces a deal, our team reviews the application promptly. We aim to provide indicative terms within 24 to 48 hours. As a direct private lender, we do not need to source funding externally or wait for third-party approvals. This allows us to move quickly and provide consistent communication throughout the process.
2. Flexible, Bespoke Loan Structuring
We take a tailored approach to every deal. Rather than offering predefined loan products, we assess each transaction based on its merits and structure the loan to fit the client’s needs. Whether the borrower is a business owner with alternative documentation, a developer seeking bridging finance, or an investor leveraging existing equity, we can structure solutions that accommodate their goals.
Some of the loan types we commonly provide include:
Our team works collaboratively with the broker to explore structuring options that strengthen the application and improve the borrower’s position.
3. Competitive Pricing with Transparent Terms
As a private lender, we have full control over our funding terms. This enables us to offer competitive rates and fee structures that reflect the strength of the deal. Where appropriate, we can negotiate reduced interest rates, interest capitalisation, extended interest-only periods, or other flexible terms to meet the client’s circumstances.
We provide brokers with clear pricing and loan terms early in the process, ensuring that there are no hidden fees or unexpected costs. Transparency builds trust and gives brokers confidence when presenting our solutions to clients.
4. Streamlined Approvals and Settlement
Once terms are accepted, our credit and legal teams move efficiently to formal approval and settlement. We can often settle transactions within five business days, depending on the complexity and documentation provided.
Throughout the process, brokers deal directly with our internal credit team, not a third-party processor. This direct communication ensures clarity, accuracy, and accountability at every stage.
Protecting the Broker Relationship
We understand how important it is for brokers to retain control and trust with their clients. At Innovate Funding, the client always remains yours.
We do not cross-sell. We do not market to your client. We act strictly as the funding partner behind the scenes. Where direct client contact is required, we do so only with your permission and with full transparency.
This policy is a core part of how we operate. Our success depends on long-term broker relationships, and we are committed to protecting those relationships.
Types of Deals We Regularly Fund
Innovate Funding provides capital for a broad range of commercial and investment scenarios. Some examples of the types of deals we regularly support include:
Our lending approach is adaptable and designed to meet the needs of clients who may not meet mainstream lending criteria but present a strong overall proposition.
Why Brokers Partner with Innovate Funding
How Does Innovate Funding Work With Brokers? We offer a combination of speed, flexibility, and professionalism that is often difficult to find in the private lending space. Our key advantages include:
Direct access to credit decision-makers
Fast indicative terms and approvals
Flexible loan structuring
Competitive and transparent pricing
Full respect for the broker-client relationship
National coverage across Australia
Most importantly, we are a private lender that operates with the broker’s best interests at heart. We aim to help you close more deals, deliver better outcomes to your clients, and build long-term relationships based on trust and performance.
Innovate Funding was approached by Emet capital on behalf of a long-standing client a commercial property investor based in New South Wales. The client was seeking a first mortgage of $1.6 million secured against a mixed-use property in inner-west Sydney, with an urgent settlement deadline of 10 business days due to a refinance and payout clause with their existing non-bank lender.
The Situation
Loan amount: $1,600,000
Security: Mixed-use property (commercial retail + two residential units)
LVR: 65%
Purpose: Refinance existing loan and release equity for working capital
Timeframe: Settlement required within 10 business days
Current offer (before Innovate Funding): 10.95% interest rate, 2.5% establishment fee, monthly interest payments, early exit penalty of 3 months' interest
The broker had sourced indicative terms from another private lender, but the rate was high, and the structure was inflexible. The client was concerned about the monthly interest obligation given variable rental income and had a preference for an interest capitalisation option. Emet Capital submitted the deal to Innovate Funding seeking a more competitive solution.
Partner with a Private Lender That Puts Brokers First
At Innovate Funding, we believe that brokers are the future of commercial lending in Australia. Our goal is to support you with direct funding solutions that are fast, fair, and fully aligned with your client’s needs.
If you are a broker seeking a private lender who offers sharp rates, practical solutions, and a professional working relationship, we invite you to connect with us.
Let us help you deliver exceptional results for your clients, every time.
