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Unlock Your Business Potential with Short-Term Cash Secured by First or Second Mortgages

In the ever-evolving business landscape, access to quick and flexible funding can be the difference between success and stagnation. Innovate Funding specialises in providing businesses with short-term cash solutions secured by first or second mortgages. With competitive rates starting at 8.75% for metropolitan areas and low loan-to-value ratios (LVR), we empower businesses to seize opportunities and navigate challenges easily. Here's how we can assist in propelling your business growth through Innovate Funding's tailored financing options.

Business owner expanding operations with funds from a short-term loan secured by a mortgage with an Innovate Funding Broker

Why Choose Short-Term Cash Loans secured by first or second mortgages?

Short-term cash loans are a strategic financial tool designed to meet immediate business needs. Unlike traditional long-term loans, they offer the flexibility and speed that businesses require to capitalise on opportunities or manage unexpected expenses. Here are some key benefits:

  1. Fast Approval and Disbursement: One of the most significant advantages of Innovate Funding's short-term loans is the rapid approval process. Businesses often face time-sensitive opportunities or urgent financial needs. Innovate Funding's streamlined process ensures you get the funds quickly, minimising downtime and enabling swift action.

  2. Flexible Terms: We understand that every business is unique. Innovate Funding's short-term loans come with flexible terms tailored to your specific requirements, ensuring you can manage repayments without straining your cash flow.

  3. Lower Interest Rates: With rates starting at 8.75% for metro areas and competitive terms based on property value, location, and loan amount. Innovate Funding lending solutions offer affordable financing options helping businesses access necessary funds without the burden of exorbitant interest rates from unsecured loan products.

How Innovate Funding Can Help Your Business Grow

At Innovate Funding, we are committed to supporting your business growth through Innovate Funding's comprehensive and customised financing solutions. Here's how we can assist:

  • Expansion and Renovation

Whether you want to expand your operations or renovate your existing premises, securing a short-term loan with a first or second mortgage can provide the necessary capital. Capital ensures you can enhance your business infrastructure, attract customers, and increase your revenue potential.

  • Working Capital

Maintaining a healthy cash flow is crucial for any business. Innovate Funding short-term loans can be a reliable source of working capital, allowing you to manage daily operations smoothly. From covering payroll and inventory costs to handling unexpected expenses, Innovate Funding's loans provide the liquidity you need.

  • Equipment Purchase

Upgrading or purchasing new equipment can be a significant investment. Innovate Funding financing solutions enable you to acquire the latest technology and equipment, ensuring your business remains competitive and efficient.

  • Debt Consolidation

If your business is juggling multiple high-interest debts, consolidating them into a single short-term loan with a lower interest rate can simplify your financial management. This approach can reduce your overall interest expenses and improve your cash flow.

  • Opportunity Seizing

Business opportunities can arise unexpectedly; having access to quick funds allows you to seize them, whether through a bulk purchase of inventory at a discounted rate, a new project, or an investment in a lucrative venture.

Competitive Rates and Flexible Loan Structures

Innovate Funding's interest rates start at an attractive 8.75% for metropolitan areas; rates vary based on the property value, location, and loan amount.

  • First Mortgages: Ideal for businesses looking for loan amounts with competitive rates. Secured by the first charge on the property, these loans offer lower interest rates and flexible terms.

  • Second Mortgages: Suitable for businesses with a mortgage but require additional funding. A second charge on the property secures these loans and offers a viable solution for raising capital without refinancing the first mortgage.

Why Innovate Funding?

  1. Expertise and Experience: With years of experience in the commercial lending sector, we understand the unique needs of businesses and offer solutions tailored to meet those needs effectively.

  2. Client-Centric Approach: At Innovate Funding, we prioritise our client's goals and challenges. Innovate Funding's dedicated team works closely with you to ensure you receive the best possible financing solution.

  3. Transparent Process: Innovate Funding believes in complete transparency; the loan processes are straightforward, with no hidden fees or unexpected costs, ensuring you can make informed financial decisions.

  4. Fast Funds: Time is of the essence in business. Our efficient approval and disbursement process ensures you promptly get the funds you need, allowing you to focus on what matters most – growing your business.


Innovate Funding is your trusted partner in facilitating business growth through short-term cash loans secured by first or second mortgages. With competitive rates starting at 8.75% in metropolitan areas and flexible loan structures, we provide the financial agility your business needs to thrive. Whether you want to expand, manage cash flow, purchase equipment, consolidate debt, or seize new opportunities, our tailored financing solutions are designed to support your success.

Unlock your business potential today with Innovate Funding. Contact us to learn how our short-term cash loans can empower your business growth.


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