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Private Lending in South Australia from $50K-$20M

At Innovate Funding, we provide fast, flexible private lending solutions across South Australia including Adelaide, regional towns, and agricultural areas. Whether you're refinancing, developing property, or expanding your business, our non-bank lending options give you access to capital when traditional lenders can’t.

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We understand the unique landscape of South Australia, from metro Adelaide to remote regional centres, and specialise in providing customised finance options backed by residential or commercial property.

Fast, Flexible Private Lending Backed by South Australian Property

Traditional banks often fall short when it comes to speed and flexibility. Our private lending model focuses on asset-backed loans with minimal red tape. We assess deals based on the strength of the property and the exit strategy, not your credit file or financials.

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Whether you need a first mortgage, second mortgage, bridging loan, or construction finance, Innovate Funding provides fast approvals and tailored terms to help you move forward with confidence.

Private Loans We Offer in South Australia

We fund a wide range of loan types throughout South Australia:

First Mortgage Loans: Ideal for purchases, refinances, and business loans secured by property
Second Mortgages: Unlock equity while keeping your existing loan in place
Bridging Loans: Cover short-term gaps while transitioning properties or finances
Development Finance: Residential or commercial projects, funded quickly
Construction Loans: Flexible drawdown options for builders and developers
Home Equity Loans: Business-purpose equity release from residential properties (NCCP-exempt)
Short-Term Business Loans: No-doc loans secured by property
Unsecured Loans: Quick funding without real estate security
Bad Credit Business Loans: Funding for complex scenarios, ATO debts, or non-conforming borrowers

We fund across Greater Adelaide and key metropolitan suburbs, including:

Metro SA

Adelaide: Norwood,  Unley, Glenelg,  Mawson Lakes, 
Prospect, Port Adelaide, West Lakes, Marion, Burnside

Private lending in South Australia with Innovate Funding

Regional SA

Mount Gambier, Port Lincoln, Victor Harbor, 

Renmark, Murray Bridge, Port Augusta, Barossa Valley

Innovate funding providing private loans in South Australia

Why Work with Innovate Funding?

We’re a trusted private lender with a track record of helping South Australian borrowers secure fast, flexible finance:

  • Custom loan structures tailored to your scenario

  • Fast turnarounds, funding in as little as 48 hours

  • Asset-based lending across SA

  • No tax returns or financials required

  • Direct access to decision-makers

FAQS Private Lending in South Australia

Ready to Get Started?

Whether you're in Adelaide, Mount Gambier, Port Lincoln or anywhere in between, we can help.

Call 02 8919 3639 | Get an Indicative Offer today!

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