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Private Lending for Commercial Property Owners | Innovate Funding

Fast, Flexible Private Loans for Commercial Property Owners in Australia

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At Innovate Funding, we specialise in private lending solutions tailored for commercial property owners across Australia. Whether you’re refinancing an existing loan, purchasing a new commercial building, funding renovations, or releasing equity for business growth, we provide fast approvals, competitive rates, and flexible LVRs that traditional banks often can’t match.

We understand that time is critical in commercial property transactions. Our streamlined approach allows approvals in as little as 24 hours and settlements within days, without unnecessary red tape or excessive paperwork.

Why Commercial Property Owners Choose Private Lending

For many commercial property owners, banks can be slow, inflexible, and risk-averse. Strict lending criteria and long approval processes often result in missed opportunities. At Innovate Funding, we take a common-sense approach to commercial property lending, offering:

  • Loan sizes from $50K to $20M

  • Rates starting from 8.75% p.a. for first mortgages

  • LVRs up to 75% on selected securities (blended first and second mortgages available)

  • Mixed LVRs for multi-property security arrangements

  • No-doc and low-doc options for borrowers who can’t provide traditional financials

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Our Commercial Property Loan Options

We offer a range of private lending solutions designed for commercial property owners:

1. Commercial Property Purchase Loans

Fast, flexible funding to secure office buildings, warehouses, retail spaces, or mixed-use properties — even if the property is vacant or underperforming.

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2. Refinance Loans

Refinance existing commercial loans to access better rates, restructure debt, or release equity for new opportunities.

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3. Equity Release Loans

Unlock the value in your commercial property to fund business expansion, purchase inventory, or invest in new ventures.

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4. Renovation & Upgrade Loans

Finance upgrades, refurbishments, or extensions to improve your property’s value and income potential.

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5. Bridging Loans

Short-term solutions to cover the gap between buying a new property and selling an existing one.

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Who We Work With

We assist a wide range of commercial property owners, including:

  • Small business owners who own their business premises

  • Investors holding multiple commercial properties

  • Developers needing short-term funding for site acquisition or pre-sales

  • Partnerships and trusts with commercial holdings

  • Self-managed super funds (SMSFs) investing in commercial real estate

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Lending Criteria

While we offer flexible, common-sense lending, we follow basic guidelines to ensure smooth approval:

  • Minimum of 12 months’ business trading preferred (exceptions considered for strong asset positions)

  • GST registration (where applicable)

  • If standard financials aren’t available, we may require an accountant’s letter confirming business activity and purpose of funds

  • Loan purpose must be for business or investment use, such as:

    • Property acquisition

    • Debt consolidation or refinance

    • Business expansion or working capital

    • Renovations or value-add projects

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Scenarios Where We’ve Helped Commercial Property Owners

Scenario 1 – Warehouse Purchase with Urgent Settlement

A logistics business in Sydney needed $1.2M to secure a new warehouse after their bank declined their application due to insufficient trading history. We approved the loan within 48 hours, securing settlement on time.

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Scenario 2 – Refinancing to Avoid Foreclosure

A retail property owner in Brisbane faced foreclosure from a major bank. We refinanced their $3.5M debt, allowing them to stabilise cash flow and avoid forced sale.

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Scenario 3 – Equity Release for Expansion

An owner of multiple commercial properties in Melbourne released $800K in equity to expand their hospitality business into a new location. We settled in just five business days.

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Why Work with Innovate Funding

  • Speed: Approvals in 24 hours, settlements in days.

  • Flexibility: We assess deals on their merits, not just your credit score.

  • Experience: Decades of combined lending experience across Australia’s commercial property sector.

  • Tailored Solutions: Every loan is structured to meet your unique goals.

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Key Links

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Ready to Secure Your Next Commercial Property Loan?

Whether you need quick settlement, complex loan structuring, or funding where banks have said no, Innovate Funding is here to help.

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Call us today on (02) 8919 3639 to discuss your commercial property lending needs.

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