Private Lending Adelaide

Fast, flexible funding for Adelaide property owners, investors & developers

Adelaide’s market mixes character homes, inner-ring infill, city-fringe commercial, and growing northern/southern corridors. Opportunities move quickly, but bank timelines don’t. Innovate Funding delivers asset-backed private loans so you can secure property, unlock equity, or finish projects on time.

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Why private lending works in Adelaide

• Speed when timing matters – indicative approvals in ~24 hours; settlements typically in 48–72 hours.

• Asset & exit-driven – we focus on collateral value and a clear exit, not just a credit score.

• Perfect for infill & small devs – duplexes, townhouses, and mixed-use on city-fringe sites.

• Bank alternative – bridging, second mortgages, and short-term project finance banks often can’t deliver fast enough.

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What we fund

• First mortgages – purchases, refinance, construction kick-off.

• Second mortgages / equity top-ups – add capital behind an existing loan, often to ~75% combined LVR on strong assets.

• Bridging loans – buy before you sell or meet a tight settlement.

• Subdivision & development finance – DA/Planning approvals, civil works, staged construction, residual stock.

• Business-purpose loans – working capital secured against residential or commercial property.

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Loan sizes, LVRs & terms

• Amounts: $50,000 – $10M+

• Security: Residential, commercial, mixed-use, development land across metro Adelaide & surrounds

• LVR: Up to 65% first mortgage; around 75% combined with a second (deal/asset dependent)

• Rates: From ~8.75% p.a. (first); ~1–2% per month (second)

• Terms: 3–12 months, interest-only or capitalised interest where suitable

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Adelaide scenarios

• Norwood infill duplex: $1.1M second mortgage to complete civil works and builds prior to presales.

• Prospect commercial strata: $2.0M first mortgage for a fast settlement to capture a discounted lot.

• Glenelg upgrade (bridging): $900K bridge at 60% LVR to secure a downsizer apartment before the house sold.

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Areas we serve

Adelaide CBD, North Adelaide, Prospect, Norwood, Kent Town, Unley, Parkside, Goodwood, Glenelg, Henley Beach, West Lakes, Mawson Lakes, Modbury, Golden Grove, Salisbury, Gawler, Port Adelaide, Seaford, Noarlunga, Mount Barker and Greater Adelaide. Regional SA considered case-by-case.

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How our process works

1. Enquire – share your scenario and timing.

2. Quick assessment – we review security, equity and exit.

3. Terms issued – clear pricing and structure.

4. Settle fast – documentation → settlement in days.

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FAQs – Private Lending Adelaide

How much can we borrow?
From $50,000 up to $10 million+, subject to asset value and structure. Typical limits are 65% LVR first mortgage and about 75% combined with a second on strong deals.

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Will you lend if the bank declined me?
Often yes. We prioritise asset strength and exit strategy over rigid serviceability.

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How fast can you approve and settle?
Indicative approvals in ~24 hours; settlements generally 48–72 hours depending on docs.

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What property types qualify?
Houses, units, prestige property, city-fringe mixed-use, commercial, and development land.

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Do you do personal/consumer loans?
No. Funding is strictly business/investment use.

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Why Innovate Funding

• Local knowledge of infill, city-fringe and coastal Adelaide markets

• Speed + flexibility that aligns with development timelines

• Transparent terms, no hidden fees, broker-friendly

• Strong referral and repeat client base