Private Lending for Large Business Owners

At Innovate Funding, we understand that large-scale businesses require high-value, complex funding solutions that match their size, scope, and operational needs. Whether it’s for acquisitions, major development projects, or large-scale expansions, we provide fast, flexible private lending that can be structured to suit complex corporate arrangements.

Our loans are property-secured, allowing us to fund quickly and with fewer hurdles than traditional banks. We work with companies that need to act fast whether you’re competing for a prime commercial asset, upgrading facilities, or undertaking a multi-million-dollar expansion.

How Innovate Funding Can Help Large Business Owners

We provide tailored funding for:

Acquisitions – Purchasing other businesses, commercial properties, or strategic assets.
Large-Scale Developments – Funding construction or expansion projects in hospitality, industrial, retail, or mixed-use sectors.
Major Expansion Projects – Scaling operations across multiple locations.
Debt Restructuring – Consolidating existing loans for better cash flow and growth potential.
Capital Expenditure – Investing in high-value equipment, technology, or infrastructure.

Large Business Lending Criteria

To qualify for our Large business private lending products, 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 $20,000,000+.
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

Hotel Group Acquisition – $2.5M funded to acquire a regional hospitality venue.
Industrial Expansion – $1.8M funded for a logistics company to purchase an additional warehouse.
Multi-Site Rollout – $3M funded for a retail chain expanding into five new locations.

Why Large Business Owners Choose Innovate Funding

High-Value Expertise – We understand complex deal structures and multi-asset security.
Fast Access to Capital – Funding secured in days, not months.
Flexible Lending Solutions – Customised loan terms and repayment structures.
Nationwide Reach – We fund projects across Australia, metro and regional.