Private Lending for Medium Business Owners

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At Innovate Funding, we understand that medium-sized businesses often have more complex funding needs than smaller enterprises. Whether it’s acquiring new assets, restructuring debt, or financing strategic growth, we provide fast, flexible private lending solutions that are tailored to your unique business requirements.

Our property-secured loans help you move quickly on opportunities without being slowed down by the rigid processes of traditional banks.

How Innovate Funding Can Help Medium Business Owners

Our private lending can be used for a variety of business purposes, including:

Asset Acquisition – Purchase machinery, vehicles, or commercial property.
Debt Restructuring – Consolidate existing loans to reduce repayments and improve cash flow.
Strategic Growth Initiatives – Expand into new markets, launch new services, or scale operations.
Working Capital – Support operations during seasonal fluctuations or unexpected slowdowns.
Equipment Upgrades – Improve efficiency with modern machinery and technology.
Property Development – Fund site acquisition or project completion for business use.

Medium Business Lending Criteria

To qualify for our medium business private loans, we typically require:

Minimum 12 months of trading history.
GST registered business (if not GST registered, an accountant’s letter may be required).
- Accountant’s letter confirming trading status and loan purpose.
Clear outline of the purpose of funds and confirmation that they will be used for business-related activities.
Supporting documentation (if available) relevant to the loan purpose (e.g., supplier quotes, invoices).

Loan Features & Terms

Loan Amounts: From $50,000 to $5,000,000+.
Rates: Starting 8.75% p.a. for first mortgages and 12.95% p.a. for second mortgages.
LVRs: Up to 75% on residential property, 60% on commercial property (higher with multiple securities).
Security: Residential, commercial, or mixed-use property.
Approval Times: Conditional approvals within 24–48 hours.
Documentation: No-doc
- Identification
- Council Rate Notice
- Loan statement/ pay-out letter (second mortgage)

Example Scenarios We’ve Funded

Manufacturing Upgrade – $500,000 funded for a manufacturing business to acquire high-capacity machinery and expand production.
Transport Company Restructure – $350,000 funded to consolidate multiple debts, freeing up cash flow for fleet upgrades.
Commercial Expansion – $750,000 funded to open a second branch for a growing service business in a new city.

Why Medium Business Owners Choose Innovate Funding

Fast Turnaround – Approvals in as little as 24–48 hours.
Tailored Lending Structures – We customise each loan to your business goals.
Flexibility with LVRs – Mixed-security options for higher borrowing power.
Australia-Wide Service – We work with businesses in every state and territory