Private Lending Port Lincoln

Fast, Flexible Finance for Port Lincoln and the Eyre Peninsula

Port Lincoln’s economy is built on aquaculture, fishing, tourism, light industrial and coastal living. Property and business opportunities can move quickly here, and waiting weeks for the banks isn’t always possible.

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Innovate Funding provides asset-backed private loans in Port Lincoln and across the Eyre Peninsula, giving you access to capital when you need it most. Whether you’re developing in Boston, upgrading an industrial shed in North Shields, or bridging a purchase in Kirton Point, we deliver fast, flexible funding tailored to your needs.

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Why Private Lending Works in Port Lincoln

• Speed – Approvals in 24 hours and settlements in 2–3 business days.

• Flexibility – Based on your property and exit plan, not just your credit file.

• Local Fit – Ideal for coastal homes, industrial sheds, and small-scale developments.

• Bank Alternative – We fund deals that traditional banks often decline or delay.

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Our Lending Options

• First Mortgages – For acquisitions, refinancing, or construction kick-off.

• Second Mortgages / Equity Release – Access more funds even with an existing bank loan, often up to 65% combined LVR.

• Bridging Loans – Buy before you sell or meet tight settlement deadlines.

• Subdivision & Development Finance – Funding for DA approvals, civil works, and staged construction.

• Business-Purpose Loans – Secure funding against your property to grow or support your business.

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Loan Sizes, LVRs and Terms

• Loan Amounts: $50,000 to $5M+

• Security: Residential, coastal, industrial, and development land

• LVR: Up to 60% first mortgage; ~65% combined with a second

• Rates: From 9.95% p.a. on first mortgages; 1.5–25% per month on second mortgages

• Terms: 3–12 months, interest-only or capitalised options available

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Example Port Lincoln Scenarios

• Kirton Point Renovation – $650K second mortgage to complete a coastal renovation before peak listing season.

• Industrial Shed Upgrade (North Shields) – $900K first mortgage to acquire and fit out a property. Refinanced to a bank once leased.

• Boston Bridging Loan – $1.2M at 60% LVR to secure a waterfront home before an existing property was sold.

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Areas We Service

• Port Lincoln

• Boston

• Kirton Point

• North Shields

• Lincoln South

• Tiatukia

• Duck Ponds

• Poonindie

• Coffin Bay

• Tumby Bay

• Cummins

• Elliston

• Wider Eyre Peninsula

FAQs – Private Lending Port Lincoln

How much money can we borrow up to in Port Lincoln?
Innovate Funding offers loans from $50,000 up to $20 million+, depending on property value and deal structure. Typical LVRs are 65% for first mortgages and around 75% combined with a second mortgage on strong assets.

 

Can you help if the bank said no?
Yes. We focus on the property and your exit strategy rather than strict bank-style servicing rules.

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How fast can I be approved?
Approvals are often issued in 24 hours, and settlement can be completed in 2–3 business days.

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What property types do you accept?
We lend against houses, coastal properties, units, industrial sheds, mixed-use assets, and development land.

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Do you provide personal loans?
No. All loans are strictly for business or investment purposes.

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Why Innovate Funding

• Experienced with regional and coastal markets like Port Lincoln

• Speed and flexibility trusted by brokers, accountants, and property professionals

• Transparent pricing and no hidden fees

• Repeat clients rely on us for timely, tailored funding