How fast can a private business loan be approved?

Indicative terms are often available within 24–48 hours, and funding may be possible in as little as 3–10 business days depending on the security and complexity.

Can I get private funding with bad credit or arrears?

Often, yes. Many private lenders take a broader view of risk and focus on equity, security, and the exit strategy. Credit history may still be considered, but it is not always the deciding factor.

What loan term and LVR are typical for private business lending?

Private lending is commonly structured as short-term funding (often 3–24 months). Maximum LVR varies by scenario and security type, and is assessed case-by-case.

What can private lending be used for by business owners?

Common uses include cash flow support, business expansion, urgent settlements, bridging finance, and consolidating liabilities such as ATO-related obligations, subject to assessment.

Private Lending for Business Owners in Australia

Q: Can I get a business loan from a private lender?

Yes. Private lenders typically assess applications based on the security property and your exit strategy, rather than relying solely on traditional financials.

Q: Do I need property as security for private lending?

In most cases, yes. Private lending for business owners is commonly secured against residential, commercial, or industrial property to support faster approvals and flexible terms.

If you're a business owner struggling to secure funding through traditional banks, private lending offers a fast, flexible alternative.

At Innovate Funding, we specialise in helping Australian business owners access property-secured funding through private lenders, even in complex or time-sensitive situations where banks may decline or delay applications.

Whether you need funding for cash flow, expansion, ATO debt, or urgent settlements, we structure lending solutions around your scenario, not rigid bank criteria.

What is Private lending

Private lending is a form of non-bank business funding where loans are assessed based on the strength of the security and the overall deal, rather than strict income verification.

Unlike traditional lenders, private lenders focus on:

The value of your property
Available equity
Your exit strategy

This makes private lending particularly effective for business owners who may:

Have complex income structures
Be self-employed or operating through multiple entities
Require fast access to capital
Not meet standard bank lending policies

In many cases, this allows borrowers to secure funding that would otherwise not be available through conventional finance channels.

How Private Lending Works for Business Owners

Private lending is typically structured as a short-term funding solution designed to provide immediate access to capital while a longer-term strategy is implemented.

Most loans are secured against residential, commercial, or industrial property, allowing lenders to mitigate risk and offer flexible terms.

Typical structure includes:

Loan terms ranging from 3 to 24 months
Loan-to-value ratios (LVRs) generally up to 65–75%
Interest-only repayments in many scenarios

The process is designed for speed:

Initial discussion and scenario assessment
Review of security property and available equity
Indicative terms issued within 24–48 hours
Formal approval and settlement in as little as 3–10 business days

This streamlined approach makes private lending one of the most effective options for fast business funding in Australia.

When Business Owners Use Private Lending

Private lending is most commonly used when traditional finance options are unavailable or too slow to meet deadlines.

Cash Flow Support

Business owners often use private lending to manage short-term cash flow gaps, particularly during seasonal fluctuations or delayed receivables.

Business Expansion

When an opportunity arises such as purchasing inventory, hiring staff, or scaling operations — private lending allows you to act quickly without waiting for lengthy bank approvals.

ATO Debt or Tax Liabilities

Private funding can be used to consolidate or resolve outstanding tax obligations, allowing businesses to regain financial stability and move forward.

Urgent Property Settlements

If a deal is at risk due to finance delays, private lending can provide a fast solution to secure the asset.

Learn more about bridging loans.

Short-Term Bridging Finance

Private lending is often used as a temporary solution while refinancing, selling an asset, or transitioning between properties.

Private Lending Solutions for Business Owners

At Innovate Funding, we structure each deal using the most suitable lending product based on your situation.

First Mortgage Loans

These loans are secured in first position against a property and typically offer lower risk and more competitive rates.

Second Mortgage Loans

A second mortgage allows you to access equity in your property without refinancing your existing loan, making it ideal for quick capital access.

Secured Business Loans

Flexible funding solutions backed by property, commonly used for business purposes such as working capital or expansion.

Bridging Loans

Short-term funding designed to help you transition between financial positions or secure time-sensitive opportunities.

No Doc Loans

Ideal for self-employed borrowers or those without up-to-date financials, with reduced documentation requirements.

Caveat Loans

Fast-access funding secured in second position, often used when time is critical.

Each solution is tailored to your scenario — ensuring flexibility, speed, and the best possible structure for your needs.

Who we Work With

We work with business owners across a wide range of industries and structures throughout Australia.

Small Business Owners

Needing fast, flexible funding for operational needs or growth

Sole Traders & Self-Employed

Who may not have traditional financial documentation

Partnerships

Requiring tailored lending solutions for multi-party structures

Established & Large Businesses

Seeking property-backed funding for larger or complex transactions

Why Business Owners Choose Private Lending

Private lending continues to grow in popularity due to its ability to solve funding problems quickly and efficiently.

Speed and convenience: Access funding in days instead of weeks or months
Flexibility: Loans are structured around your situation, not rigid criteria
Credit Flexibility: Credit history is considered, but not the sole deciding factor
Alternative to Banks: Ideal when traditional lenders decline or cannot meet deadlines

Real World Scenarios

Scenario 1: Urgent Settlement

A business owner was at risk of losing a property purchase after their bank delayed formal approval just days before settlement. With contracts already exchanged, timing was critical.

We quickly assessed the available equity and structured a short-term solution using a bridging loan, allowing the client to settle on time and secure the asset without penalties or loss of deposit.

Scenario 2: ATO Debt Consolidation

A client approached us with significant ATO debt impacting their cash flow and limiting their ability to operate effectively. Traditional lenders declined the application due to arrears and financial complexity.

By leveraging the equity in their property, we arranged a second mortgage loan, enabling the client to consolidate their tax liabilities, stabilise their financial position, and regain control of their business operations.

Scenario 3: Business Growth Opportunity

A growing business identified an opportunity to purchase inventory at a substantial discount but required fast access to capital to act before the opportunity expired.

We structured a flexible secured business loan using residential property as security, allowing the client to access funds quickly and capitalise on the opportunity, ultimately increasing revenue and profitability.

Why Choose Innovate Funding

Access to a broad network of private lenders
Expertise in complex and time-sensitive deals
Fast turnaround times
Tailored lending solutions
Transparent and experienced guidance

We focus on structuring deals that work — not forcing clients into unsuitable products.

FAQ'S Related to Business Owners

Can I get a business loan from a private lender?

Yes. Private lenders assess loans based on security and exit strategy, rather than relying solely on financials.

How fast can funding be approved?

Indicative terms are typically provided within 24–48 hours, with funding possible in a matter of days.

Do I need property as security?

Most private loans are secured against property, which allows lenders to offer greater flexibility.

Can I get funding with bad credit?

Yes. Many private lenders take a broader view of risk, focusing on the strength of the deal.

What loan sizes are available?

Loan amounts vary depending on the property, equity, and scenario.

Why Business Owners Choose Innovate Funding

Fast Approvals – Conditional terms in as little as 24–48 hours.
Flexible Loan Structures – First and second mortgages, bridging finance, and cash-out loans.
Mixed LVR Options – Higher borrowing capacity using multiple properties.
No-Doc & Low-Doc Lending – Perfect for businesses without current financial statements.
Nationwide Coverage – Funding available in every state and territory.
Common-Sense Lending – We assess each deal individually, not against a rigid checklist.

Partner With Innovate Funding

We know that business opportunities don’t wait. With Innovate Funding, you have a finance partner who can deliver the capital you need to act quickly, whether it’s to grow, invest, or stabilise your business.