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Secured Business Loans in Australia – Low Doc, Property-Backed Funding from $50K
Access Fast, Property-Backed Business Loans from $50K–$20M
Looking for fast, low-doc business finance in Australia? At Innovate Funding, we specialise in secured business loans backed by residential, commercial, or rural property. Our loan amounts range from $50K to $20M, and we cater to entrepreneurs, developers, and investors needing quick access to capital without bank delays or endless paperwork.
Whether you're expanding operations, managing cash flow, or investing in a new opportunity, our secured loans provide the flexible, fast capital you need. We offer tailored solutions with minimal documentation and no credit checks required.
What Are Secured Business Loans?
Secured business loans allow borrowers to use property or another valuable asset as collateral in exchange for funding. These loans are ideal for business owners seeking capital without having to rely on bank lending criteria. Our approach prioritises the asset's value not your credit history or tax returns.
By using a private lender like Innovate Funding, you can bypass traditional barriers and get fast, flexible capital with confidence.
Why Choose Low Doc & Property-Backed Lending?
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No financials required – Perfect for self-employed or cash-based businesses
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No credit checks – We lend based on your asset, not your score
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Faster processing – Funds can be disbursed within 48 hours
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Competitive rates – Property-backed security enables lower interest
Related: Second Mortgages | Caveat Loans
Loan Amounts, Terms & Interest Rates
We offer secured business loans from $50,000 to $20 million with loan terms ranging from 1 to 12 months. Interest rates typically start from:
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First mortgages: from 8.75%
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Second mortgages: from 13%
Loan rates depend on the loan amount, term length, and loan-to-value ratio (LVR). Our team will work with you to structure a loan that matches your business goals.
Low Doc VS No Doc Business Loans
Both low doc and no doc loans are designed for borrowers who don’t meet traditional bank criteria. Here’s how they compare:
Feature | Low Doc Loans | No Doc Loans |
|---|---|---|
Approval Times | Up to week | Same Day |
Flexibility | Less | More |
Ideal For | Self employed | Businesses with no BAS or tax docs |
Interest Rate Expectations | 8-15% | 8.75-24% |
Typical Documents | Financials, Bank Statements, CV, BAS | Valuation, Council Rate, Title Search |
Innovate Funding offers both loan types, depending on your needs. If you're unsure which is best, our team will guide you.
How Our Process Works
1
Loan Assessment
2
We review your scenario and the asset you’re offering
Proposal Issued
3
You receive a customised loan proposal
Minimal Docs Submitted
4
Usually just ID, property info & rates notice
Fast Approval & Funding
5
You can receive funds within 24–48 hours
Who Uses Secured Business Loans?
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Business Expansion – Use your property equity to expand operations, open new locations, purchase equipment, or invest in new revenue streams. Whether you're scaling inventory or building your team, a secured loan can give your business the boost it needs.
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Cash Flow Management – Many businesses experience peaks and troughs. A secured business loan helps maintain smooth operations by covering payroll, overheads, or supply chain needs during quieter periods.
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ATO Tax Debt – Owing money to the ATO can be stressful and time-sensitive. Our loans allow you to pay off tax debt quickly and avoid additional interest, penalties, or legal action that could impact your business.
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Property Development – Developers can use secured funding to finance planning approvals, working capital, or complete construction phases. Loans can be structured around project timelines to support pre-DA, DA, or post-approval stages.
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Bridging Finance – When you're buying a new property but still waiting on a settlement or sale, bridging finance fills the gap. Secured against existing property, it gives you the liquidity needed to act quickly in the market.
Secured Business Loans Scenarios:
Sydney – Secured Business Loan Scenario
A Sydney-based hospitality operator in the Eastern Suburbs needed $400,000 to refurbish their restaurant and expand into catering. Using their residential property in Bondi as security, Innovate Funding arranged a secured business loan within one week. This gave the owner the capital to renovate, hire additional staff, and capture seasonal demand without losing equity or waiting months for bank approval.
Melbourne – Secured Business Loan Scenario
A Melbourne manufacturing company in Dandenong required $750,000 to purchase new equipment and expand production capacity. Traditional banks demanded extensive financials and a long approval process, but Innovate Funding delivered a secured business loan within 10 days, secured against the director’s investment property in Camberwell. The rapid turnaround meant the business could take on new contracts and grow revenue immediately.
Brisbane – Secured Business Loan Scenario
A construction contractor in Brisbane’s Northside sought $500,000 in working capital to cover labour and materials on a large commercial project. By securing the loan against an industrial property in Chermside, Innovate Funding provided quick funding in under a week. This secured business loan allowed the contractor to meet project deadlines and strengthen their position for future tenders.
Frequently Asked Questions
What documents do I need?
Just your ID, property details, and a council rates notice. No tax returns required.
Can I apply with bad credit?
Yes. We assess loans based on asset value, not your credit score.
How long does funding take?
We can approve and settle loans in as little as 24–48 hours.
What properties are accepted as security?
Residential, commercial, rural, or development sites across Australia.
Can I repay early?
Yes. Our loans come with flexible repayment structures and no penalties for early exit.
Get Started with Innovate Funding Today
Innovate Funding is your trusted source for low-doc, property-backed secured business loans in Australia. With loans ranging from $50K to $20M, rapid processing, and no bank red tape — we help you move quickly when opportunities arise.
Call 02 8919 3639 or enquire online to speak with a lending specialist today.