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Private Lending Services Australia
Private lending services in Australia provide flexible, asset-backed funding solutions for businesses, investors and borrowers who require speed, flexibility or solutions outside traditional bank criteria.
At Innovate Funding, we specialise in structuring a wide range of private loan solutions including First Mortgage Loans, Second Mortgage Loans, Bridging Loans, Construction Loans, and Business Lending Solutions. These loans are typically secured against property and assessed based on asset value, loan-to-value ratio (LVR), and exit strategy rather than traditional income verification.
Whether you are funding a property purchase, unlocking equity, managing cash flow, or completing a development, private lending provides fast, structured solutions tailored to your scenario.
Our Private Lending Solutions
First Mortgage Loans
First mortgage loans provide primary funding secured against property and are commonly used for acquisitions, refinancing or capital raising. These loans are typically the lowest risk form of private lending and can be structured quickly for time-sensitive transactions.
Second Mortgage Loans
Second mortgage loans allow borrowers to access equity behind an existing lender without refinancing. These are commonly used for business funding, tax debt, or short-term capital requirements.
Often used alongside Equity Release Loans or Short Term Business Loans.
Bridging Loans
Bridging loans are designed to cover short-term funding gaps, such as purchasing a property before selling another or refinancing out of an existing loan.
Construction Loans
Construction loans fund building or renovation projects, with funds typically drawn progressively as works are completed. These are commonly used by developers, builders and investors prior to completion or refinance.
Development Loans
Development loans are used to fund property developments, including land acquisition and construction costs. These facilities are typically structured around feasibility, project timeline and exit strategy.
Equity Release Loans
Equity release loans allow borrowers to unlock capital from existing property without selling. These are commonly used for business purposes, investment opportunities or debt restructuring.
Often structured alongside Second Mortgage Loans.
Secured Business Loans
Secured business loans provide funding backed by property, allowing businesses to access larger loan amounts with flexible repayment structures.
These are often used in conjunction with No Doc Loans or Short Term Business Loans.
Caveat Loans
Caveat loans are short-term funding solutions designed for urgent scenarios where speed is critical. These loans are typically approved quickly and secured via a caveat on property.
No Doc Loans
No doc loans allow borrowers to access funding without providing full financial documentation. These are typically used for business or investment purposes where traditional servicing criteria cannot be met.
Short Term Business Loans
Short term business loans provide fast access to capital for working capital, cash flow gaps, or urgent opportunities. These loans are often secured against property and structured over shorter durations.
Unsecured Business Loans
Unsecured loans provide funding without requiring property security. These are typically based on business turnover and are suited for smaller funding requirements.
Bad Credit Business Loans
Bad credit business loans provide funding solutions for borrowers with defaults, arrears or prior credit issues. These loans focus on asset position and exit strategy rather than credit history.
Consumer Bridging Loans
Consumer bridging loans are used for residential scenarios such as buying before selling. These loans are typically structured through select lending partners and assessed differently to business-purpose loans.
Loan purpose of first and second mortgage security
When to Use Private Lending
Private lending is commonly used in scenarios where traditional lenders cannot provide funding or where timing is critical.
Common scenarios include:
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Purchasing a property before selling an existing one
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Accessing equity for business or investment purposes
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Funding construction or development projects
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Refinancing out of an existing lender
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Paying ATO or tax debt
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Bridging short-term cash flow gaps
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Securing time-sensitive opportunities
Many of these scenarios are suited to Second Mortgage Loans, Bridging Loans, or Caveat Loans.
Why Use Private Lending Instead of a Bank
Private lending provides a flexible alternative to traditional bank finance, particularly in complex or time-sensitive scenarios.
Key benefits include:
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Faster approvals (often within 24–72 hours)
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Settlements in as little as 2–5 business days
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Asset-based lending approach
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Flexible structures tailored to the borrower
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No doc and low doc options (for business purposes)
How Private Lending Works
Private lending is primarily assessed based on:
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Property value and security position
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Loan-to-value ratio (LVR)
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Exit strategy (sale, refinance, or completion)
Unlike traditional lenders, income verification is not always the primary factor, particularly for business-purpose loans. For a broader overview, see Private Lending Australia.
FAQs - Private Lending Services Australia
What is private lending in Australia?
Private lending is a form of asset-backed finance provided by non-bank lenders, where loans are secured against property and assessed based on equity and exit strategy.
How fast can private loans be approved?
Indicative approvals can often be provided within 24–72 hours, with settlements commonly completed within 2–5 business days.
What loan-to-value ratios are available?
LVRs typically range up to 65% for first mortgages and up to 70–75% combined for first and second mortgages, depending on the scenario.
Can I get a loan if the bank has declined me?
Yes. Private lenders assess loans differently, focusing on the property and exit strategy rather than strict servicing requirements.
Are these loans for business purposes only?
Most private loans are structured for business or investment purposes, though some consumer lending options are available through select partners.