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Private Lending for Brokers in Australia: How Innovate Funding Supports You and Your Client
- Innovate Funding
- Oct 30
- 4 min read
Updated: 4 days ago
The Shift Toward Broker-Driven Private Lending
Australia’s commercial finance landscape is changing fast. Traditional lenders are tightening their approval criteria, leaving many business owners, developers, and investors searching for faster, more flexible finance.
At the heart of this transformation are finance brokers. Brokers now play a pivotal role in connecting clients to private funding and non-bank lending solutions that deliver when banks cannot.
At Innovate Funding, we operate as a direct private lender that works exclusively with brokers. Our model is designed to help you close deals faster, protect your client relationships, and deliver outcomes that enhance your reputation.
This article explains how we partner with brokers to provide tailored, fast, and transparent private lending solutions for commercial clients across Australia.
How Innovate Funding Works with Brokers
Private lending has evolved far beyond being a “last resort.” For many commercial borrowers, it is now the most strategic finance option particularly when timing, structure, or risk profile fall outside bank policy.
Brokers are the trusted intermediaries who make that happen. You understand your client’s needs, objectives, and financial structures better than anyone. We respect that role which is why we exist to support you, not compete with you.
When you work with Innovate Funding, you gain:
Direct access to decision-makers, no middle layers
Custom deal structuring, designed to win approvals
Transparent pricing, so your client always knows where they stand
Full broker protection, meaning the client relationship remains 100% yours
Our 4-Step Process for Brokers
We have built a process that removes friction, accelerates turnaround times, and gives brokers full visibility from start to finish.
1. Initial Assessment and Indicative Terms
Once a broker submits a deal, our team provides indicative terms within 24–48 hours. As a direct private lender, we fund deals from our own capital base — no waiting for third-party approvals. This allows us to move fast and maintain clear communication.
2. Tailored Loan Structuring
Every deal is unique. Instead of one-size-fits-all loan products, we assess each scenario based on asset value, purpose, and exit strategy.We structure loans that suit your client’s objectives, including:
Second Mortgages
Caveat Loans
Secured Business Loans
This flexibility enables brokers to help clients who might not qualify with traditional lenders.
3. Competitive Pricing and Clear Terms
Because we control our funding lines, we can price competitively and adjust terms to suit deal strength. Options include interest capitalisation, reduced setup fees, or extended interest-only periods. We share all pricing upfront, ensuring you can present the loan confidently to your client.
4. Fast Approval and Settlement
Once terms are accepted, our credit and legal teams move quickly. We often achieve formal approval and settlement within five business days, depending on documentation. Throughout the process, brokers liaise directly with Innovate Funding’s credit team ensuring accuracy, speed, and accountability.
Protecting the Broker Relationship
We understand how vital it is to retain your client’s trust. At Innovate Funding, your client remains your client.
We do not cross-sell.
We do not market directly to your borrower.
We act solely as your private lending partner, operating transparently and respectfully.
Our long-term success depends on our broker network, and that relationship is our top priority.
Case Study: Private lending for Brokers in Australia
A broker from Emet Capital approached Innovate Funding on behalf of a long-standing client a commercial property investor in Sydney’s Inner West.
The Situation
Details | Description |
Loan Amount | $1,600,000 |
Security | Mixed-use property (retail + two residential units) |
LVR | 65% |
Purpose | Refinance and working capital |
Deadline | 10 business days |
Competitor Offer | 10.95% rate, 2.5% establishment fee, 3-month early exit penalty |
The client needed urgent settlement to avoid penalties from their current lender. Emet Capital submitted the deal to Innovate Funding for a faster, fairer solution.
Our Solution
Offered 9.5% interest rate, 1.5% establishment fee, and interest capitalisation to improve cash flow
Delivered formal approval in 72 hours and settlement within seven business days
Protected the broker’s client relationship throughout the process
This collaboration demonstrated how Innovate Funding and brokers can achieve results that rival traditional lenders — with faster turnaround and better terms.
Why Brokers Partner with Innovate Funding
Brokers across Australia trust Innovate Funding because we provide:
Direct access to our credit decision-makers
Fast indicative terms and approvals
Custom loan structures for every deal
Competitive, transparent pricing
Full broker protection
National lending coverage
We are a private lender built for brokers, helping you deliver more approvals, faster settlements, and stronger client results.
Partner with a Private Lender That Puts Brokers First
At Innovate Funding, we believe brokers are the driving force behind Australia’s commercial finance industry. Our mission is simple — to help you close more deals with a direct lending partner that values professionalism, collaboration, and long-term success.
Contact Innovate Funding today to discuss how we can help you secure private funding solutions for your clients.
Frequently Asked Questions (FAQs)
1. What makes Innovate Funding different from other private lenders?
We are a direct private lender that works exclusively with brokers, not directly with borrowers. Our focus is on building long-term relationships with our broker partners.
2. How fast can a deal be approved?
Indicative terms are provided within 24–48 hours, with formal approval and settlement achievable within five business days.
3. What loan types can brokers access through Innovate Funding?
We offer a full suite of asset-backed lending solutions, including bridging loans, second mortgages, development finance, and no-doc loans.
4. Does Innovate Funding operate across Australia?
Yes. We fund deals nationwide, with a strong presence in NSW, VIC, QLD, and WA.
5. Can brokers maintain control of the client relationship?
Absolutely. Your client always remains yours. We act solely as the funding partner behind the scenes.
