Second Mortgage Alexandra Hills QLD: $125,000 Commercial Loan

Businesses across Australia are turning to private lending when traditional banks cannot provide fast or flexible finance. Innovate Funding recently helped a company borrower in Alexandra Hills QLD 4161 secure a $125,000 second mortgage against a commercial property. The loan was structured on a 6-month term, giving the business the immediate capital it needed to continue trading confidently.

This case study shows how second mortgages can support business growth and provide fast access to working capital.

About the Borrower

The borrower was an established company that required short-term capital to support business cash flow. Their main challenges were:

• A tight timeframe for approval

• A need for funds for commercial use only

• A requirement to keep their current first mortgage unchanged

• Limited appetite from traditional banks

A second mortgage was the most suitable structure because it allowed the business to unlock equity from a commercial property without refinancing existing facilities.

Solution - Second mortgage Alexandra Hills

Innovate Funding arranged a $125,000 second mortgage secured against a commercial asset in Alexandra Hills. The loan was approved and settled quickly through our private lending network.

Key Loan Details

Loan Feature	Information
Loan Amount	$125,000
Security	Second mortgage
Property Type	Commercial property
Location	Alexandra Hills QLD 4161
Borrower	Company borrower
Loan Term	6 months
Purpose	Working capital and business operations
Approach	Fast private lender approval

Why This Second Mortgage Was Approved

Private lenders assess deals differently from banks. Instead of lengthy financial analysis, they focus on strong security, clear purpose and a sensible exit strategy.

This loan was approved because:

• The commercial property had solid equity

• The loan purpose was strictly business related

• The borrower demonstrated a clear repayment plan

• The timeline required private lending speed and flexibility

This is a strong example of how Innovate Funding provides solutions when mainstream lenders cannot.

How Second Mortgages Help Businesses

A second mortgage allows business owners to access equity without disturbing their first mortgage. This structure is commonly used for:

• Working capital

• Stock purchases

• ATO tax obligations

• Renovations or fit-outs

• Marketing or expansion

• Short-term cash flow needs

Private lenders are able to settle quickly, making these loans ideal for businesses that do not have time to wait for a bank’s approval process.

Result for the Client

The funding was delivered on time, enabling the company to strengthen its operations and maintain consistent cash flow. With a 6-month term, the borrower now has flexibility to execute its business plans and repay the loan once cash flow improves.

This is another successful outcome delivered by Innovate Funding, helping Australian businesses access capital quickly and efficiently.

Frequently Asked Questions

What is a second mortgage?

A second mortgage is a loan secured against a property that already has a first mortgage. It allows borrowers to access additional capital without refinancing their existing loan.

Can a company borrower apply for a second mortgage?

Yes. Many commercial clients use second mortgages to access working capital, cover operating expenses or fund growth opportunities.

How fast can Innovate Funding arrange approval?

Approval can often be achieved within 24 to 48 hours, depending on the security property and legal requirements.

Does the loan need to be business purpose only?

Yes. All second mortgages arranged by Innovate Funding must be for commercial or investment related purposes only.

Conclusion

This $125,000 second mortgage in Alexandra Hills demonstrates the strength and flexibility of private lending for Australian businesses. Innovate Funding continues to support company borrowers nationwide with funding solutions tailored to real commercial needs. For more information or to discuss a similar scenario, contact Innovate Funding today.