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Private Lending in Penrith: How Innovate Funding Helped Two Businesses Solve Cash Flow Problems
- Innovate Funding
- Mar 20
- 3 min read
Updated: Nov 11
Introduction
Cash flow problems can impact even the most successful businesses. Whether you run a retail store that needs to purchase stock or a construction company that requires upfront funding for a project, waiting for traditional bank loans can be costly.
Banks have strict lending requirements and slow approval times, and they often do not understand the urgency that businesses face.
That is where private lending comes in. At Innovate Funding, we specialise in finding fast, flexible finance solutions tailored to the needs of Australian businesses.
In this article, we explore how we helped two Penrith businesses—one in retail and one in construction—overcome cash flow challenges with private lending.
Both had strong revenue streams and growth potential, but a lack of accessible funding was holding them back. Here is how we provided the capital they needed, fast.
Case Study 1: Private Lending in Penrith Retail Business
A retail business in Penrith was thriving, with customer demand rising and sales growing steadily. However, like many businesses, most of its capital was tied up in unpaid invoices.
While waiting for customers to pay, the business needed to restock inventory immediately. Its suppliers required upfront payments for new stock, but with cash flow restricted, it could not make the purchases.
The business approached its bank for a loan, but the process was slow and approval uncertain.
The Solution: Short-Term Private Stock Loan at 8.75% P.A.
Understanding the urgency, Innovate Funding assessed the business quickly and secured a short-term private stock loan.
Loan Details:
Loan Type: Short-term business loan for stock purchase
Loan Amount: Enough to cover immediate inventory needs
Approval Time: Funding secured within 5 days
Interest Rate: 8.75% per annum
Loan Term: 6 months
Repayment Plan: Aligned with expected customer payments
This private lending solution was approved rapidly, enabling the business to purchase stock, meet demand, and continue growing.
The Result: Growth and Stability
The quick funding allowed the business to:
Replenish stock on time and avoid missed sales opportunities
Maintain customer satisfaction with prompt deliveries
Continue its growth trajectory without disruptions
Repay the loan comfortably through structured repayments
This case highlights how private business loans can provide a fast, effective funding option when traditional banks cannot deliver.
Case Study 2: Private Construction Loan for a Penrith Builder
A Penrith construction company had secured a major building contract but faced a common industry problem—progress payments from the developer would only arrive later in the project.
Before receiving any funds, the company needed to buy materials, hire staff, and cover site expenses. Without financing, the project risked delays and penalties that could damage its reputation.
Banks were not an option due to their slow processes and extensive paperwork.
The Solution: Private Construction Loan at 10.75% P.A.
Innovate Funding secured a private construction loan structured specifically around the company’s project cash flow.
Loan Details:
Loan Type: Private construction finance
Loan Amount: Covered materials, wages, and operational costs
Approval Time: Funding secured within 10 days
Interest Rate: 10.75% per annum
Loan Term: 9 months
Repayment Plan: Linked to progress payments from the developer
This private lending solution enabled the builder to start work on time, manage costs efficiently, and maintain strong supplier relationships.
The Result: On-Time Project Delivery
The funding provided immediate benefits:
The project commenced on schedule
Suppliers and staff were paid promptly
The company maintained its reputation for reliability
Loan repayments were met through milestone payments
This demonstrates how private lending can bridge financial gaps and keep projects on track when banks cannot meet urgent timelines.
Why Businesses Choose Private Lending
Traditional lenders often cannot accommodate the real-world pace of business. Private lending provides a fast, flexible, and practical alternative for companies needing timely access to capital.
Key Benefits of Private Lending
Faster Approvals and Funding: Loans can be approved and settled in days, not months.
Tailored Loan Structures: Financing is built around the business’s unique cash flow.
Less Paperwork: Private lenders focus on potential, not past performance.
Greater Accessibility: Approvals are possible even if banks have declined an application.
Flexible Repayment Options: Terms are aligned with future income or project milestones.
Private lending can be used for:
Need a Private Lending Solution for Your Business?
At Innovate Funding, we help Australian businesses access private and non-bank lending quickly and efficiently. Whether you need capital for stock, construction projects, or working capital, we can help you find the right funding structure.
Contact Innovate Funding today to discuss how we can tailor a private lending solution for your business.
