Private Lending for Small Business Owners

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At Innovate Funding, we know that small business owners need quick, reliable access to capital to seize opportunities, manage cash flow, and keep operations running smoothly. Unfortunately, traditional banks often make the process slow and overly complex. That’s where we step in offering fast, flexible private lending solutions tailored to the needs of small businesses across Australia.

We provide property-secured loans with competitive rates and flexible LVRs, giving you the funding you need without the delays and red tape.

How Innovate Funding Can Help Small Business Owners

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

Working Capital – Cover operational expenses and smooth out cash flow gaps.
Stock Purchases – Secure bulk inventory ahead of peak demand periods.
Marketing Campaigns – Invest in advertising to boost sales and brand awareness.
Expansion Opportunities – Open a new location, add services, or increase capacity.
Equipment Purchases – Upgrade or replace essential machinery and tools.
Debt Consolidation – Combine multiple debts into one manageable repayment.
ATO Debt Repayment – Settle urgent tax obligations to avoid penalties.

Small Business Lending Criteria

To qualify for our small 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 $2,000,000+.
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

Retail Store Expansion – $80,000 provided to a boutique clothing retailer to purchase seasonal stock ahead of Christmas.
Café Renovation – $60,000 funded for a café owner to refurbish their premises and expand seating capacity.
Marketing Growth Push – $50,000 provided to a small fitness studio to launch an advertising campaign and grow memberships.

Why Small Business Owners Choose Innovate Funding

Fast & Flexible – Approvals in days, not weeks.
Tailored Lending – We assess each deal on its merits, not a rigid checklist.
No Red Tape – We make the process simple, clear, and hassle-free.
Nationwide Service – We fund small businesses in every state and territory.