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Secured Business Loans Sydney

Fast, flexible finance for Sydney businesses backed by property

Running a business in Sydney requires agility. Whether you’re covering cash flow gaps, expanding into new premises, or funding a growth opportunity, traditional banks often take too long or decline applications that don’t tick every box.

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Innovate Funding provides secured business loans in Sydney, using property as security so you can access capital quickly. With approvals in as little as 24 hours, we help businesses stay competitive in Australia’s largest market.

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Why Choose a Secured Business Loan?

A secured business loan is funded against your residential, commercial, or development property. This allows you to borrow larger amounts at lower rates than unsecured options and without lengthy bank processes.

Common uses include:

  • Paying ATO or urgent debts before penalties escalate

  • Expanding business operations or purchasing new equipment

  • Managing payroll or seasonal cash flow gaps

  • Securing stock, contracts, or tenders

  • Funding renovations, fit-outs, or relocations

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Innovate Funding’s Secured Loan Options in Sydney

  • First Mortgages – up to 65% LVR on Sydney residential, commercial, or mixed-use property

  • Second Mortgages / Equity Release – access additional funds behind an existing bank loan (up to ~75% combined LVR)

  • Bridging Loans – settle a new property or expand before selling an existing one

  • Short-Term Business Loans – tailored 3–12 month terms, with flexible repayment structures

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Loan Snapshot

  • Loan amounts: $50,000 – $20M+

  • LVR: Up to 70% (first mortgage); ~75% combined with a second

  • Rates: From 8.75% p.a. (first); 1.25–2% per month (second)

  • Terms: 3–12 months, interest-only or capitalised interest available

  • Speed: Approvals in 24 hours, settlement within 2–3 business days

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Sydney Scenarios

  • Marrickville Manufacturer: $750K secured against a factory to cover ATO obligations and order fulfilment.

  • Parramatta Retailer: $1.2M second mortgage to expand into a new location.

  • Surry Hills Tech Firm: $900K bridge loan to fund a fit-out while awaiting venture capital injection.

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Areas We Service

  • Sydney CBD

  • Inner West

  • Eastern Suburbs

  • North Shore

  • Northern Beaches

  • Parramatta

  • Western Sydney

  • South Sydney and across Greater Sydney.

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FAQs – Secured Business Loans Sydney

How much can I borrow?
From $50,000 to $20M+, depending on your property equity and structure.

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Do I need full financials to apply?
Not always. We can often approve loans with limited documentation if equity is strong and the exit strategy is clear.

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How fast can I access funds?
Approvals in 24 hours, with settlement typically in 2–3 business days.

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What security do you accept?
Residential, commercial, mixed-use, and development properties across Sydney.

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

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Why Innovate Funding

  • Experienced in Sydney’s property and business landscape

  • Speed and flexibility trusted by brokers, accountants, and business owners

  • Transparent pricing and no hidden fees

  • Tailored loan structures that fit your exit plan

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Next Steps

Need a secured business loan in Sydney? Whether you require $50K or $20M+, Innovate Funding delivers fast, flexible funding to keep your business moving.

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Contact Innovate Funding today for a personalised quote.

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