Is this suitable for medium-sized businesses?

Yes. These private lending solutions are designed for established medium-sized businesses with assets and a clear business-purpose use of funds.

Do you require property security?

Typically yes. Most facilities are secured against residential, commercial, or mixed-use property assets.

What loan sizes are available?

Loan sizes commonly range from $50,000 to $5,000,000 depending on security and structure.

Is this consumer lending?

No. All lending is for business-purpose and investment-purpose use only.

Private Lending for Medium-Sized Businesses

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Access to capital is essential for growth, expansion, and operational stability particularly for established medium-sized businesses navigating cash-flow cycles, acquisitions, or time-sensitive opportunities.

Private lending for medium-sized businesses provides a fast, flexible alternative to traditional bank finance when speed, structure, or complexity makes bank funding impractical. Innovate Funding specialises in asset-backed, business-purpose private lending, helping established businesses secure capital quickly without unnecessary delays.

How Innovate Funding Can Help Medium-Sized Businesses

Our private lending solutions can be used for a wide range of business and commercial purposes, including:

Asset Acquisition – Purchase machinery, vehicles, or commercial property
Debt Restructuring – Consolidate existing facilities to improve cash flow
Strategic Growth – Expansion into new markets, contracts, or locations
Working Capital – Support operations during seasonal or short-term fluctuations
Equipment Upgrades – Improve productivity with modern assets
Property Development – Fund site acquisition or project completion for business use

All lending is structured for business or investment purposes only.

Medium Business Lending Criteria

To qualify for our medium-sized business private lending solutions, we typically require:

Minimum 12 months trading history
Registered business entity (company or trust)
GST registration (or accountant confirmation if not registered)
Clear explanation of business purpose and use of funds
Supporting documentation where available (e.g. invoices, contracts, supplier quotes)

Lending decisions are based primarily on asset quality and exit strategy, not just financial statements.

Loan Features & Terms

Loan amounts: $50,000 – $5,000,000
Rates:
- From ~8.75% p.a. for first mortgages
- From ~12.95% p.a. for second mortgages
LVRs:
- Up to 75% on residential property
- Up to 60% on commercial property
- Higher leverage possible with multiple securities
Security: Residential, commercial, or mixed-use property
Approval timeframe: Indicative approvals within 24–48 hours
Documentation: No-doc and low-doc options available

Business Lending Scenarios

Manufacturing Upgrade
$500,000 funded to acquire high-capacity machinery and expand production.
Transport Business Restructure
$350,000 funded to consolidate existing debts and improve fleet cash flow.
Commercial Expansion
$750,000 funded to open a second location for a growing service-based business.

These examples demonstrate how asset-backed private lending supports business growth when timing matters.

Why Medium-Sized Businesses Choose Innovate Funding

Fast turnaround – Indicative approvals in as little as 24–48 hours
Tailored structures – Facilities aligned to business objectives
Flexible LVRs – Mixed-security options for higher borrowing capacity
Australia-wide service – Funding available across all states and territories

We focus on commercial outcomes, not rigid bank policy.