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Our Private Lending Services for Accountants’ Clients

At Innovate Funding, we partner with accountants across Australia to provide their clients with fast, flexible, and practical private lending solutions. Whether your client needs short-term cash flow support, urgent property finance, or help restructuring debt, we deliver funding when the banks say no or when time simply won’t allow for lengthy approvals. Our role is simple:

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  • Help you protect your client relationships

  • Provide lending solutions that get results quickly

  • Remove the roadblocks traditional lenders create

Why Accountants Partner with Innovate Funding

As an accountant, you’re often the first person a client calls when facing a financial hurdle or an unexpected opportunity. You see the full picture; their assets, liabilities, cash flow, and long-term goals which, means you’re in the perfect position to identify when private lending can help.

We work with accountants to:

  • Solve urgent cash flow problems without jeopardising assets

  • Access funding for time-sensitive opportunities like property settlements or business acquisitions

  • Refinance or consolidate debt when traditional lenders aren’t an option

  • Assist clients with complex financial structures that banks can’t accommodate

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Our Private Lending Services for Accountants’ Clients

Below are some of the most common solutions we provide to accountants’ clients. Each is tailored to the borrower’s situation, with flexible terms, competitive rates, and fast turnaround times.

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1. First & Second Mortgages

We can secure funding against residential, commercial, and mixed-use property even if the client already has an existing mortgage.

  • Loan sizes: $50K to $10M

  • Rates: From 8.75% p.a. on first mortgages and from 12.95% p.a. on seconds

  • LVRs: Up to 75% blended LVR on certain securities

  • Timeframe: Approvals in as little as 24 hours

  • Learn more about First Mortgages

  • Learn more about Second Mortgages

Scenario: An accountant’s client needed $250K within 5 days to settle on an investment property. The bank’s timeline was too slow. We approved and settled in 72 hours using a second mortgage over their existing property.

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2. Bridging Loans

When a client is buying before selling or needs to secure a property quickly, bridging finance fills the gap.

  • Perfect for: Property purchases, renovations before sale, or preventing settlement delays

  • Loan sizes: From $100K to $5M

  • Read about Bridging Loans

Scenario: An accountant referred a client who was upgrading commercial premises. The sale of their current property was delayed, risking the purchase. We funded a $1.2M bridging loan, allowing them to complete the settlement without penalties.

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3. Development & Construction Finance

Support for clients involved in property development or construction projects.

Scenario: A builder client needed $800K to complete a townhouse project when their original lender withdrew funding mid-build. We arranged private construction finance within 10 days, keeping the project on track.

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4. Short-Term Business Loans

For clients needing quick working capital without lengthy application processes.

Scenario: An accountant’s small business client needed $150K to import stock ahead of peak season. We funded the loan in 48 hours, secured against a commercial property.

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5. Unsecured Business Loans

When clients lack property security but have strong trading performance.

Scenario: A hospitality client needed $80K for kitchen upgrades but had no unencumbered property. We arranged an unsecured loan based on recent turnover, funded within 3 days.

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6. Debt Consolidation & ATO Debt Solutions

We help accountants’ clients refinance multiple debts or pay urgent ATO obligations.

Scenario: An accountant’s client had $300K in overdue tax debt and was facing legal action. We secured a second mortgage loan, clearing the ATO balance within a week.

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How We Work with Accountants

Our process is designed to protect your client relationship and keep you in control.

  1. Initial Discussion: You outline the client’s situation (no need for names until you’re ready).

  2. Indicative Terms: We provide quick feedback on possible solutions.

  3. Formal Approval: Once approved, we liaise with you or directly with the client — whichever you prefer.

  4. Fast Settlement: Many loans settle within days, not weeks.

  5. Ongoing Support: We can assist with refinancing or exit strategies.

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Why Accountants Choose Innovate Funding

  • Speed: Approvals in as little as 24 hours.

  • Flexibility: No-doc options available.

  • Loan Variety: First, second, unsecured, bridging, development, and more.

  • National Reach: Funding available Australia-wide.

  • Competitive Rates: From 8.75% p.a. for first mortgages.

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Real-World Examples

Example 1: Debt Restructure
An accountant had a client with multiple high-interest short-term loans. We consolidated them into a single $400K second mortgage, reducing monthly repayments by 40%.

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Example 2: Seizing an Opportunity
A property investor client found a development site at a discounted price but needed $1M within 7 days. We secured funds using their existing portfolio, enabling them to secure the deal.

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Example 3: Saving a Business from Insolvency
A manufacturing client was on the brink of administration due to supplier pressure. We funded $500K against their factory, giving them the breathing room to restructure operations.

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FAQs for Accountants

Q: Can my client apply if they have bad credit?
Yes. We focus on asset value and exit strategy, not just credit scores.

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Q: How quickly can you settle?
Many loans settle within 3–5 business days.

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Q: Do you need full financials?
Not always, we have low-doc and no-doc loan options.

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Q: Will you deal directly with my client?
We work however you prefer through you, or directly with your client.

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Partner with Innovate Funding Today

If you’re an accountant looking to give your clients more options, Innovate Funding is your trusted partner in private lending. We’ll help you secure funding when timing and flexibility matter most.

Contact us today to discuss how we can assist your next client.

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