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Business Owners
At Innovate Funding, we provide fast, flexible private lending for business owners across Australia — from sole traders to large corporations. We understand that business funding needs are often time-sensitive, and banks can be slow or restrictive. That’s why we offer property-secured loans with competitive private lending rates and flexible LVRs to help you access capital when you need it most.
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Our lending options include first and second mortgages, bridging loans, cash-out loans, and short-term business funding. We offer LVRs up to 75% on residential property security and up to 60% on commercial property security, with higher LVRs available when multiple securities are cross-collateralised. Rates start from 8.75% p.a. for first mortgages and 12.95% p.a. for second mortgages, with no-doc and low-doc options available for self-employed clients or businesses without up-to-date financials.
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Whether you need working capital, funding for expansion, cash flow support, or debt consolidation, we structure loans to suit your business goals.
Who we work with
Private Lending for
Small Business Owners
Quick, hassle-free funding for working capital, stock purchases, marketing campaigns, or expansion opportunities.
Private Lending for Medium Business Owners
Quick, hassle-free funding for working capital, stock purchases, marketing campaigns, or expansion opportunities.
Private Lending for
Large Business Owners
High-value funding for acquisitions, large-scale developments, and major expansion projects.
Private Lending for
Sole Traders
Short-term property-secured loans to help sole traders fund projects, buy equipment, or stabilise cash flow.
Private Lending for Partnerships
Flexible finance solutions for multi-owner businesses, including expansion, refinancing, and working capital injections.
Why Business Owners Choose Innovate Funding
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Fast Approvals – Conditional terms in as little as 24–48 hours.
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Flexible Loan Structures – First and second mortgages, bridging finance, and cash-out loans.
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Mixed LVR Options – Higher borrowing capacity using multiple properties.
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No-Doc & Low-Doc Lending – Perfect for businesses without current financial statements.
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Nationwide Coverage – Funding available in every state and territory.
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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.
Contact us today to discuss your scenario and learn how our private lending can help your business thrive.​