top of page

Private Lending in New South Wales (NSW)

Private lending in New South Wales (NSW) provides fast, flexible, asset-backed finance for business owners, property investors, developers, and professionals who require funding outside traditional bank criteria.

At Innovate Funding, we arrange private and non-bank loans across NSW, including Sydney, Wollongong, Newcastle, the Central Coast, and regional New South Wales. Our lending solutions are designed for situations where speed, certainty, and structure matter more than rigid bank policy.

​

What Is Private Lending in NSW?

Private lending refers to loans provided by private and non-bank lenders rather than major banks. These loans are typically asset-based, meaning approval is driven primarily by the value of the security property and the borrower’s exit strategy, rather than strict servicing calculators or lengthy financial histories.

Private lending in NSW is commonly used for:

  • Time-sensitive transactions

  • Complex financial structures

  • Short-term funding requirements

  • Business-purpose property finance

For an overview of how private finance works, see what is private lending and how does it work?​

​

Why Borrowers Use Private Lending in NSW

Borrowers across New South Wales use private lending when traditional lenders are unable to meet their requirements. Common reasons include:

  • Faster approval and settlement timeframes

  • Flexible loan structures tailored to the transaction

  • Reduced documentation requirements

  • Asset-based assessment rather than income-based servicing

  • Solutions for borrowers with non-standard income or credit history

Indicative approval is often provided within 24 hours, with settlement commonly achieved within 2–5 business days, subject to valuation and legal processes.

​

Private Loan Types Available in NSW

Innovate Funding arranges a broad range of private lending solutions across New South Wales, including:

Each loan is structured around security type, loan-to-value ratio (LVR), exit strategy, and transaction risk.

​​​

How Private Lending Works in NSW

Private lenders focus primarily on:

  • The value and type of the security property

  • Loan-to-value ratio

  • The strength and clarity of the exit strategy

  • The rationale and structure of the transaction

Unlike banks, private lenders do not rely solely on servicing calculators or extended financial histories, making private lending suitable for complex, time-sensitive, or non-standard transactions.

Additional guidance is available in our
Private Lending Knowledge Hub.

Where We Lend in New South Wales

Innovate Funding provides private lending solutions across both metropolitan and regional NSW.

Regional NSW

Hunter Valley, Blue Mountains, Dubbo, Orange, Tamworth, Wagga Wagga, Bathurst, Byron Bay, Ballina, Lismore, Goulburn, Albury, Merimbula, Broken Hill, Tweed Heads, Mollymook, Narooma

Private lending in the state of NSW with Innovate Funding

Frequently Asked Questions – Private Lending NSW

Do you lend outside Sydney?
Yes. We arrange private loans across all regions of New South Wales, including regional and rural locations, subject to acceptable security.

​

What property types can be used as security?
Residential, commercial, industrial, mixed-use properties, development sites, and land, depending on location and LVR.

​

Can I apply with bad credit or ATO debt?
Yes. Credit issues are assessed in context. The primary focus is the asset and the exit strategy.

​

How quickly can a private loan settle?
Indicative approval is often provided within 24 hours, with settlement commonly achieved within 2–5 business days.

​

Speak With a NSW Private Lending Specialist

If you require fast, flexible private finance in New South Wales, Innovate Funding can structure a solution tailored to your transaction. Start with an indicative assessment via our Contact Page or explore additional options on our Private Lending Australia page.

bottom of page