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Private Lending Solutions Across Melbourne & Regional Victoria

Victoria’s dynamic economy and booming property sector make it a hotspot for business growth, development, and investment but traditional banks often can't keep up. At Innovate Funding, we specialise in fast, flexible private loans across Melbourne and regional Victoria, offering tailored finance solutions to help you move quickly, solve complex scenarios, and capitalise on opportunities.

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Whether you're a business owner, property developer, or investor, we provide funding from $50K to $20M with same-day approvals and minimal documentation. No tax returns required. Just real solutions, real fast.

Why Victorians Are Turning to Private Lending

In today’s fast-paced Victorian property and business environment, borrowers need funding that moves as quickly as they do. Traditional lenders can take weeks, sometimes months, to approve and settle a loan. That’s where private lending comes in. At Innovate Funding, we provide non-bank loans that are fast, flexible, and tailored to your needs, not your paperwork.

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Whether you're navigating a tight settlement deadline, starting a development project, refinancing to access equity, or managing ATO debt our private lending solutions are designed to solve time-sensitive and complex funding scenarios. We assess deals based on the property and the exit strategy, not your credit score or financials.

Private Loan Types Available Across Victoria

We fund a wide range of loan types throughout VIC:

  • First Mortgage Loans: Ideal for purchases, refinances, or business loans secured by property

  • Second Mortgages: Unlock equity from existing properties without disrupting your current loan

  • Bridging Loans: Short-term funding while you transition between properties or finance arrangements

  • Development Finance: Fast, flexible funding for residential or commercial projects across VIC

  • Construction Loans: Staged drawdown loans for builders and developers needing progress payments

  • Home Equity Loans: Release equity from residential property for business or entity uses only

  • Short-Term Business Loans: No-doc or Low-doc loans secured by real estate for cash flow, growth, or urgent needs

  • Unsecured Loans: For eligible borrowers needing fast funding without offering property as security

  • Bad Credit Business Loans: For borrowers with defaults, ATO debt, or complex credit profiles

Where we Lend in VIC

Metro VIC

  • Melbourne

  • Inner & Outer Suburbs (e.g. Richmond, Essendon, Dandenong, Werribee)

  • Geelong & Bellarine Peninsula

  • Mornington Peninsula

Where Innovate Funding can do first and second mortgage in metro Melbourne

Regional VIC

  • Ballarat, Bendigo, Shepparton

  • Gippsland (Traralgon, Sale, Warragul)

  • Mildura, Horsham, Warrnambool

  • Albury-Wodonga & the High Country

  • Western Districts & the Murray Region

Imagine of where Innovate Funding can do private lending deals in VIC

Key Benefits of Private Lending in Victoria with Innovate Funding

Key Benefits of Private Lending in Victoria with Innovate Funding:

  1. Same-day indicative approvals

  2. Loan amounts from $50K to $5M

  3. No tax returns or BAS required

  4. Funding secured by residential, commercial, or land assets

  5. Solutions for borrowers with credit issues or ATO debt

  6. Fast settlements typically within 2–5 business days

FAQS Private Lending in Victoria

Speak With a VIC Lending Specialist Today

Whether you’re in Melbourne, Geelong, Ballarat, or anywhere across regional Victoria — we’re ready to help you get funding fast.

Call 02 8919 3639 | Get an Indicative Offer today!

Let’s get you on your property journey on your terms.

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