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Non-Bank Commercial Property Loans: Fast, Flexible Finance with Innovate Funding
- Innovate Funding
- Jan 9
- 4 min read
Updated: 4 days ago
A Smarter Way to Fund Commercial Property in Australia
Purchasing commercial property is one of the most effective ways to grow your business or diversify your investment portfolio. From office buildings to warehouses and retail spaces, commercial real estate offers strong, long-term returns.
However, securing the right finance can be challenging. Banks often have slow, restrictive processes that delay approvals and in a competitive market, timing is everything.
That’s where Innovate Funding steps in. We help Australian business owners and investors access non-bank commercial property loans with up to 60% Loan-to-Value Ratio (LVR) and approvals in as little as one to three days.
Why Traditional Banks Fall Short for Commercial Property Buyers
While banks have long been the go-to for commercial property finance, they often fall short in today’s fast-paced market.
1. Slow and Complicated Approvals
Banks typically take weeks or even months to process applications, requiring multiple rounds of credit checks, risk assessments, and income verification. According to ASIC’s lending guidance, traditional lenders are bound by stringent compliance requirements, which slows down approvals.
2. Rigid Lending Criteria
Banks prefer borrowers with perfect credit, long business histories, and standardised income. Entrepreneurs, self-employed professionals, or borrowers with complex financials often don’t fit the mould.
3. Lack of Flexibility
Traditional lenders cap LVRs and limit repayment structures, leaving borrowers unable to fund projects in time.
For property investors or business owners needing to move quickly, these hurdles can mean missing out on lucrative opportunities.
How Innovate Funding Simplifies Non-Bank Commercial Property Loans
At Innovate Funding, we specialise in fast, flexible private lending that helps clients act quickly and confidently.
1. Approvals in 1–3 Days
Our direct access to private and non-bank lenders means we can deliver approvals within 24–72 hours — not weeks. No bureaucracy. No endless waiting. Just straightforward, outcome-driven lending.
2. Borrow Up to 60% LVR
We can help you secure up to 60% of the property’s value, making it easier to acquire high-value assets without tying up all your capital.
Typical eligible property types include:
Office buildings
Retail premises
Warehouses
Industrial sites
3. Flexible Assessment Criteria
We look beyond the credit score. Our non-bank lenders consider your asset strength, business performance, and exit strategy, enabling approvals that traditional lenders might reject.
4. Tailored Loan Structures
Each commercial deal is different. Whether you need a bridging loan, a second mortgage, or a short-term business loan, we customise the structure, term, and repayment plan to meet your unique goals.
Why Speed Matters in Commercial Property Finance
Timing is everything in real estate. Fast access to finance can make or break a deal.
Commercial auctions often require quick settlement.
Sellers prefer pre-approved buyers who can settle immediately.
Delays can result in losing your desired property or paying more in a rising market.
With Innovate Funding’s non-bank lending solutions, you can act decisively and avoid missed opportunities.
Who Can Benefit from Non-Bank Lending?
Non-bank commercial loans are ideal for many borrower types, including:
Borrower Type | Why It Works |
Business Owners | Access fast funding to purchase or expand commercial premises. |
Property Investors | Secure quick capital for time-sensitive deals. |
Self-Employed Borrowers | Flexible assessment without traditional income documentation. |
Borrowers with Credit Challenges | Approval based on equity and asset value, not just credit history. |
To learn more about how we support diverse borrower profiles, visit our Secured Business Loans page.
How the Process Works
Getting your commercial property loan through Innovate Funding is straightforward:
Initial Consultation: We review your financials, property details, and funding requirements.
Lender Match: We connect you with suitable non-bank lenders in our national network.
Approval in 1–3 Days: Receive conditional approval within 24–72 hours.
Settlement: Funds are released quickly, allowing you to secure the property with minimal delay.
Our goal is to help you move faster than the banks — with personalised support every step of the way.
Why Borrowers Choose Innovate Funding
Approvals in as little as 1–3 business days
Access to Australia’s top private and non-bank lenders
Competitive LVRs up to 60%
Flexible, case-by-case loan structuring
Transparent communication and expert broker support
We work with commercial brokers, developers, and business owners across Australia to provide finance that meets their goals — not the bank’s policy manual.
The Bottom Line: Don’t Let Banks Slow You Down
Purchasing commercial property is a significant investment, but bank red tape shouldn’t hold you back. Innovate Funding gives you a faster, more flexible alternative, with the ability to secure up to 60% LVR and approvals in as little as three days.
Our approach empowers borrowers to act fast, secure opportunities, and grow their portfolio with confidence.
Ready to get started? Contact Innovate Funding today to explore your non-bank lending options and discover how we can help you get your deal across the line.
Frequently Asked Questions (FAQs)
1. How fast can Innovate Funding approve a commercial loan?
We typically secure approvals within 1–3 business days, depending on your property and documentation.
2. What is the maximum LVR available?
Our lending partners can offer up to 60% LVR on commercial property loans.
3. Do I need perfect credit?
No. We assess your equity and property value, not just your credit history.
4. What types of properties do you finance?
We fund a range of commercial assets including offices, warehouses, retail spaces, and industrial sites.
5. Does Innovate Funding operate nationwide?
Yes, we provide lending solutions across Australia, including NSW, VIC, QLD, WA, SA, and ACT.
