Private Lending Knowledge Hub

Private lending in Australia has become one of the fastest-growing alternatives to traditional finance offering faster approvals, flexible lending criteria, and solutions for borrowers who need funding that banks won’t or can’t provide.

​

This Knowledge Hub is the largest educational resource in Australia dedicated to private lending.

Created by Innovate Funding, it answers every common question borrowers, brokers, accountants, solicitors and developers ask about private loans, including:

• What private lenders look for

• How LVR works

• How to secure a second mortgage

• How fast private loans settle

• What documents you need

• NCCP-exempt lending

• Bridging, construction, development, and short-term business loans

• Borrowing for tax debt, business cashflow, renovations, ATO arrears, property purchases, and more

This hub links to every major topic and sub-topic, making it easy to understand how private lending works and find the right solution.

​

Understanding Private Lending

What Is a Private Lender?

Private lenders are non-bank funders who provide short-term, asset-secured loans. These loans are typically:

• Fast to approve

• Flexible in criteria

• Secured against real estate

• For business or investment purposes

Learn more: Private Lending in Australia

​

Key Loan Types Explained

First Mortgage Loans

Used for purchases, refinancing, business cashflow or investment.
Learn more: First Mortgage Loans

 

Second Mortgage Loans

Unlock equity behind an existing first mortgage.
Learn more: Second Mortgage Loans

 

Bridging Loans

Funding between selling one property and buying another.
Learn more: Bridging Loans

 

Short-Term Business Loans

Fast cashflow finance for SMEs — secured against property.
Learn more: Short Term Business Loans

 

Bad Credit Business Loans

Loans designed for clients who don’t fit traditional bank criteria.
Learn more: Bad Credit Business Loans

 

Construction & Development Finance

Funding for builders and developers at all stages.
Learn more:

• Construction Loans

• Development Loans

​

Key Concepts: LVR, Rates & Fees

Understanding LVR (Loan-to-Value Ratio)

Private lenders assess deals based on peak debt, including:

• Interest capitalisation

• Fees

• Construction costs

• Existing debt

• New loan amount

Learn more: LVR & Lending Scope Explained

​

Popular Questions About Private Lending

Loan Type Questions

• What is a private loan?

• What is a second mortgage?

• What is a caveat loan?

• How does private construction funding work?

• What is a first mortgage?

• What is Private Lending?

 

Borrower Scenario Questions

These pages attract extremely high-intent leads.

• Can I get a private loan if I’m behind on payments?

• Can I borrow for tax debt?

• Can I get a loan while selling my property?

• Can I get funding for business expenses?

• Can I get a loan for renovations?

• Can I get a loan with bad credit?

• How fast can private loans settle?

 

Documentation Questions

Perfect for ranking for “private lending requirements” style queries.

• What documents do I need for a private loan?

• What is required for conditional approval?

• What is a statutory declaration for private lending?

• What is an exit strategy and why do lenders need it?

 

LVR & Risk Questions

• What LVR do private lenders go to?

• What is peak debt?

• Does LVR include rates and fees?

• How do lenders assess construction risk?

• Why do private lenders charge higher rates?

​

Industry-Specific Lending

We will create pages for each:

• Private lending for childcare centres

• Private lending for builders & contractors

• Private lending for medical practices

• Private lending for real estate investors

• Private lending for developers

• Private lending for hospitality businesses

• Private lending for agriculture & farming

​

Location-Specific Private Lending

You already have the major state pages.
Now we expand to micro-locations:

• Private lending South Sydney

• Private lending Eastern Suburbs

• Private lending Western Sydney

• Private lending Newcastle

• Private lending Wollongong

• Private lending Melbourne Inner North

• Private lending Brisbane Southside

• Private lending Perth Metro

Local pages rank fastest due to low competition.

​

Why Borrowers Choose Private Lending

Common benefits include:

• 24–48 hour approvals

• Funding for urgent scenarios

• Solutions banks decline

• Business-purpose loans without NCCP restrictions

• Interest-capitalised options

• Up to 75–80% LVR depending on security

Internal link: Why Choose Innovate Funding

​

How Innovate Funding Helps

We specialise in arranging:

• Fast private loans (48–72 hours)

• First and second mortgages

• Bridging finance

• Construction & development loans

• Short-term business loans

• Bad credit loans

• Residual stock loans

• Urgent settlements

Our network covers Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart, Darwin, Canberra, and all regional areas.

​

FAQs

Do private lenders require full financials?

No — most private loans are asset-based, not income-based.

What is the maximum LVR?

Typically 65–75%, depending on location and risk.

How fast can funding settle?

As little as 48 hours with the right documents.

Is private lending regulated?

Most loans are NCCP-exempt, meaning they are for business or investment purposes only.