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Private Lending South Sydney

Fast, Flexible Non-Bank Property Finance for Businesses & Investors​

Private lending in South Sydney provides a fast and flexible alternative to traditional bank finance for borrowers seeking property-backed funding without lengthy approval processes or rigid servicing criteria.

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At Innovate Funding, we specialise in business-purpose private lending, assisting property investors, developers, and business owners across South Sydney to secure funding when banks are unable to assist or move too slowly.

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Private Lending Coverage Across South Sydney

We provide private lending solutions throughout South Sydney, including:

  • Sutherland Shire

  • St George region

  • Hurstville, Kogarah & Rockdale

  • Miranda, Caringbah & Cronulla

  • Mascot, Botany & surrounding industrial precincts

Our lending decisions are asset-based, not postcode-driven, making private lending suitable across South Sydney’s residential, commercial, and industrial property markets.

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What Is Private Lending?

Private lending is a form of non-bank finance assessed primarily on:

  • The value of the property used as security

  • The loan-to-value ratio (LVR)

  • A clear and realistic exit strategy

Unlike traditional banks, private lenders focus less on income verification and more on asset quality and deal structure. You can learn more about this approach on our Private Lending in Australia page.

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Private Loan Options Available in South Sydney

First Mortgage Loans

Private first mortgage loans are commonly used for property purchases, refinances, or business-purpose lending secured by real estate. Learn more about First Mortgage Lending.

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Second Mortgage Loans

A second mortgage allows borrowers to access equity behind an existing first mortgage without refinancing their bank loan. Explore Second Mortgage Lending.

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Bridging Loans

Bridging loans provide short-term funding to manage timing gaps between purchase, sale, or refinance — commonly used in fast-moving property transactions. See how Bridging Finance works.

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Development & Construction Finance

We provide private funding solutions for land acquisitions, subdivisions, renovations, and construction projects where bank finance is restrictive. Find out more about Development Finance and Construction Loans.

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Business Loans Secured by Property

Private business loans secured by property can be used for working capital, equipment purchases, ATO obligations, or cash-flow management. Learn more about Secured Business Loans.

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All loans are structured for business or investment purposes and may be NCCP-exempt, where applicable.

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How Much Can You Borrow?

Indicative private lending parameters include:

  • Loan amounts: $50,000 to $20 million

  • Indicative approval: Often within 24 hours

  • Settlement: As fast as 48–72 hours (subject to valuation and legal readiness)

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Typical LVR guidelines:

  • Residential property: up to ~75% combined LVR

  • Commercial property: up to ~65%

  • Vacant land: up to ~50%

More detail is available in our LVR & Lending Scope guide.

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Why Borrowers in South Sydney Use Private Lending

Private lending is commonly used when:

  • Bank finance is declined or delayed

  • Time-sensitive opportunities require fast decisions

  • Borrowers hold strong assets but have irregular income

  • Credit history or tax issues restrict bank options

  • A short-term or bridging solution is required

South Sydney’s diverse property profile makes it well suited to asset-based private lending solutions.

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Why Choose Innovate Funding?

Borrowers choose Innovate Funding because we provide:

  • Access to multiple private and non-bank lenders

  • Direct access to decision-makers — not call centres

  • Fast, pragmatic credit assessments

  • Experience with complex and time-critical transactions

Learn more about our approach on the Why Innovate Funding page.

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Private Lending Across New South Wales

Innovate Funding also provides private lending across NSW, including:

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Frequently Asked Questions – Private Lending South Sydney

What is private lending in South Sydney?
Private lending in South Sydney is a non-bank finance solution where loans are secured against property and assessed based on asset value and exit strategy rather than income alone.

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Who uses private lending in South Sydney?
Private lending is commonly used by property investors, business owners, and developers who need fast funding, have complex financials, or require short-term or flexible finance solutions.

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How fast can a private loan settle?
Private lending approvals are often provided within 24 hours, with settlement possible in as little as 48–72 hours, subject to valuation and legal readiness.

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Can I get a second mortgage in South Sydney?
Yes. Second mortgages allow borrowers to access equity behind an existing first mortgage without refinancing their current lender.

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What types of properties can be used as security?
Residential, commercial, industrial properties and land may be accepted, depending on location, zoning, and loan structure.

Speak With a South Sydney Private Lending Specialist

If you are exploring private lending in South Sydney, speak with the Innovate Funding team for a fast, confidential assessment. Get in touch via our Contact page to discuss your funding requirements.

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