Unsecured Business Loans
Brisbane

Fast, property-backed finance for Brisbane businesses

Brisbane’s economy is surging across construction, logistics, healthcare, hospitality and professional services. When opportunities move quickly, banks can be slow or overly rigid. Innovate Funding provides secured business loans in Brisbane, using property as security so you can access capital quickly, on terms that suit your cash flow and exit plan.

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What is a secured business loan?

A secured business loan is funding backed by real property (residential, commercial, mixed-use or development land). Because there’s security, you can typically borrow more, at sharper pricing, with faster decisions than many unsecured options.

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Common Brisbane use cases

• Cash flow & working capital – payroll, inventory, supplier payments, seasonal gaps

• Expansion & equipment – open new sites, purchase machinery, fit-outs

• Contract & tender funding – deposits and upfront costs while receivables clear

• Bridging needs – secure a new premises before selling or refinancing

• ATO & urgent liabilities – clear obligations to avoid penalties and keep trading

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Our secured loan options

• First mortgages – up to ~65% LVR on Brisbane property

• Second mortgages / equity release – top-ups behind an existing facility (often ~75% combined LVR on strong assets)

• Short-term business loans – 3–12 month terms aligned to your exit (sale, refi, receivables, payout)

• Bridging finance – settle quickly, then refinance or sell

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Brisbane scenarios

• Archerfield logistics fit-out – $1.4M first mortgage to complete warehouse upgrades ahead of a new contract.

• Fortitude Valley hospitality – $600K second mortgage for venue refurbishment and launch marketing.

• Chermside retail expansion – $950K secured working capital to open a second store and stock initial inventory.

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Areas we service

• Brisbane

• Fortitude Valley

• Newstead

• West End

• Woolloongabba

• South Brisbane

• Milton

• Toowong

• Indooroopilly

• Chermside

• Albion

• Hamilton

• Eagle Farm

• Murarrie

• Archerfield

• Acacia Ridge

• Wynnum/Manly

• Carindale

• Sunnybank

• Mount Gravatt, and Greater Brisbane, Logan, Ipswich, Redlands, Moreton Bay.

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How our process works

1. Enquire – share your scenario, asset and timing

2. Quick assessment – we review equity, security type and exit strategy

3. Offer issued – clear terms, fees and structure

4. Settle fast – docs → settlement in days

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FAQs – Secured Business Loans Brisbane

How much can I borrow?
From $50,000 to $20M+, depending on equity, valuation and structure. Typical limits are ~65% LVR first mortgage and ~75% combined with a second on strong assets.

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Do I need full financials?
Not always. Many approvals are equity and exit-driven, with reduced-doc options available depending on the case.

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Can you help if a bank said no?
Often yes. We focus on the asset and repayment plan, not just strict serviceability metrics.

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How fast can you approve and settle?
Indicative approval in ~24 hours; settlement typically 2–3 business days subject to valuation and documentation.

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What properties qualify as security?
Houses, apartments, commercial/industrial assets, mixed-use and development land across Greater Brisbane.

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Do you offer unsecured or consumer loans?
No. We provide secured, property-backed loans for business or investment purposes only.

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Why Innovate Funding

• Deep understanding of Brisbane’s business and property markets

• Speed, flexibility and transparent pricing trusted by owners, accountants and brokers

• Tailored structures that align with your cash flow and exit strategy

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Next steps

Need a secured business loan in Brisbane for expansion, cash flow, bridging or contract funding? From $50K to $20M+, we’ll tailor a solution to your property and timeline.

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Contact Innovate Funding today for a personalised quote.