Private Lending – Western Suburbs, Sydney

Fast, flexible private lending in the Western Suburbs for businesses, investors and developers across Western Sydney – from Parramatta and Blacktown to Liverpool, Bankstown and Penrith.

If you’ve outgrown the banks or don't have time for a lengthy application process, Innovate Funding connects you with private lenders who understand commercial deals in Western Sydney — and can move quickly when timing matters.

We arrange business-purpose, NCCP-exempt loans including

• First mortgage private loans,

• Second mortgage loans,

• Bridging loans,

• Secured business loans,

• Short term business loans,

• Development loans,

• Construction loans and

• No-doc loans.

Business-purpose only – We do not provide consumer or owner-occupied loans.

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Why private lending is popular in Western Sydney

Western Sydney is one of Australia’s fastest-growing regions with major industrial hubs, logistics corridors, the new airport precinct, and ongoing residential projects.

Private lending is commonly used when borrowers need:

• Fast funding (days, not months)

• Asset-backed approval rather than full financials

• Short-term funding (3–24 month terms)

• Equity release for business or development purposes

Many borrowers use private lending now, then refinance back to a bank once financials, tax returns or project conditions meet mainstream criteria.

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What we fund

Common funding purposes include:

• Debt consolidation & payout of business creditors

• Working capital, suppliers, equipment & growth

• Bridging finance to cover settlement timing gaps

• Property development, subdivision and construction

• Refinancing short-term or stressed facilities

• ATO debts and tax arrangements

Security can include residential investment property, commercial/industrial property, mixed-use sites, or multiple securities cross-collateralised.

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Who we help

We assist:

• Property developers (townhouses, duplexes, small to mid-scale commercial builds)

• Investors leveraging equity in existing property

• SME business owners across logistics, trades, retail, medical, hospitality

• Self-employed or complex-income borrowers

• Borrowers declined or delayed by banks despite strong equity

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Loan types available in Western Sydney

First Mortgage Loans

Short-term first mortgage loans are used for:

• Purchases where bank timing doesn’t fit

• Refinancing out of complicated facilities

• Equity release for business & development

• Bridging finance between transactions

Typically 3–24 months with interest sometimes capitalised.

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Second Mortgage & Equity Release

Used when a bank already holds the first mortgage but more capital is required.

Common purposes:

• Construction top-ups

• Working capital

• Debt & ATO consolidation

• Short-term business expansion

Suitable when refinancing a first mortgage is unnecessary or inefficient.

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Caveat & Short-Term Business Funding

Ideal when timing is urgent, such as contracts exchanged, supplier payments or tax arrears.

• Very short term (3–6 months)

• Clear purpose and defined exit

• Commonly refinanced once stabilised

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Development & Construction Finance

Relevant for:

• Townhouses, duplexes and terraces

• Boutique apartment projects

• Industrial/commercial builds

• Residual stock funding

We help with feasibility, GRV, cost-to-complete, valuations and exit planning.

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Example deal scenarios

Parramatta – First Mortgage Funding
Borrower purchased mixed-use property requiring fast settlement. A private lender funded the deal, giving time to refinance back to a bank once financials were completed.

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Blacktown – Second Mortgage Expansion
A logistics operator needed capital to upgrade warehouse capacity. A second mortgage provided funds pending refinance into a long-term facility.

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Liverpool / Bankstown – Caveat Loan for ATO Debts
A wholesaler used a caveat-secured short-term facility to clear urgent tax and supplier liabilities before stabilising and refinancing.

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Western Suburbs – Areas We Service

We assist throughout Greater Western Sydney including:

Inner-West to Central-West Corridor
Homebush, Strathfield, Burwood, Croydon, Ashfield, Summer Hill, Concord, Rhodes

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Central Western Suburbs
Auburn, Granville, Merrylands, Guildford, Parramatta, Westmead, Wentworthville, Toongabbie

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Greater Western Sydney Hubs
Blacktown, Seven Hills, Wetherill Park, Smithfield, Fairfield, Liverpool, Casula, Bankstown, Condell Park, Revesby, Padstow, Penrith & surrounding growth corridors

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Also servicing surrounding regions and the Eastern Suburbs.

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How the lending process works

Step 1 — Initial discussion
We assess the loan purpose, security, LVR, timeline and exit.

Step 2 — Documents & structuring
We gather basic supporting info and outline valuation and settlement strategy.

Step 3 — Indicative terms & approval
We source terms, then move to formal approval and legal documentation.

Step 4 — Settlement & exit
Funds advance and we assist in executing the refinance/sale exit plan.

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Why choose Innovate Funding

• Specialists in private & non-bank lending

• Fast decisions, minimal red tape

• Transparent terms and pricing

• Asset-backed approach to approvals

• Hands-on support from enquiry to refinance

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Ready to discuss a Western Suburbs loan?

If you're a developer, business owner or investor in Western Sydney and need fast, flexible funding, we can help.

(02) 8919 3639 or contact us via deals@innovatefunding.com.au