Why Innovate Funding?

Most lenders talk about speed. At Innovate Funding, we focus on certainty, structure and outcomes because fast finance means nothing if the deal doesn’t settle.

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We’re an Australian private lending specialist delivering strategic, asset-backed funding solutions across Australia for business owners, property investors and developers when traditional banks can’t or won’t perform.

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We Step In When Banks Can’t Deliver

Banks are built for standardised, “tick-the-box” scenarios. Real deals rarely look like that.

When banks delay, decline or over-condition transactions, private lending becomes a strategic alternative, not a last resort.

We regularly structure:

• First mortgages for purchase, refinance and equity release

• Second mortgages where there’s equity but the existing lender won’t extend further

• Secured business loans backed by commercial or residential property

• Bridging loans to manage settlement or refinance timing gaps

Every scenario is assessed on security strength and exit strategy, not just a credit score.

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A True Private Lending Specialist, Not a Volume Broker

Many private lending sites are just lead funnels.

Innovate Funding operates as a hands-on private lending specialist, involved in:

• Structuring first and second mortgage positions

• Managing blended LVRs across multiple securities

• Matching deals to the right private capital

• Stress-testing exits, not just quoting rates

This is why brokers, accountants and advisors trust us over generic “non-bank” models pitched from call centres. You can see our positioning and track record on the About Us page.

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Asset-First Lending That Works in the Real World

Traditional lenders start with income and paperwork.

We start with:

• The property and its marketability

• Location, use and demand

• Existing debt profile and LVR

• A realistic, time-bound exit

 

That’s why we’re particularly effective for:

• Self-employed and low-doc borrowers using no doc loans

• Complex commercial scenarios needing secured business loans

• Investors using commercial property loans for business purposes

• Clients with impaired credit using bad credit business loans where the asset and exit still stack up

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Speed With Structure, Not Guesswork

Urgency doesn’t justify messy structure.

We focus on fast, clean execution, using tools like:

• Caveat loans for very short-term, urgent capital tied to property

• Short term business loans for working capital and bridging cash flow gaps

• Unsecured business loans when trading performance is strong but property isn’t available as security

Loans are structured to move quickly and settle properly, with clarity on fees, terms and timeframes up front.

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Every Loan Is Built Around a Clear Exit Strategy

Private lending only works when the exit works.

We design facilities around:

• Sale or refinance of the security property

• Project completion via land and development finance

• Equity release via home equity loans for business or investment use

• Debt consolidation or ATO resolution through structured private loans

Where needed, we combine first mortgage and second mortgage positions or use home bridging loans to keep transactions moving.

If an exit doesn’t make sense, we say so early, before anyone wastes time.

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Australia-Wide Coverage With Boutique Attention

Innovate Funding supports borrowers across all major states and territories through the Private Lending Australia hub, including NSW, VIC, QLD, WA, SA, TAS, NT and ACT.

Even with national coverage, we stay boutique by design. You deal with experienced decision-makers who understand property and private credit, not a rotating call centre.

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A Funding Network Banks Can’t Access

We work with:

• Private credit funds

• High-net-worth investors and family offices

• Specialist non-bank lenders

That allows us to deliver structured solutions across:

• First mortgages and second mortgages

• Construction finance and development loans

• Bad credit business loans for asset-rich clients who don’t fit bank criteria

The deal is matched to the right pool of capital, not squeezed into a single credit policy.

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Built for Brokers, Accountants & Advisors

Innovate Funding is structured to support professional referrers.

Brokers, accountants, solicitors and advisors use us when they need:

• A specialist private lending partner who can structure complex, multi-security deals

• Consistent communication and realistic timeframes

• Protection of their client relationship and reputation

We’re not trying to replace your role, we’re here to help you get challenging deals funded.

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Transparent From Enquiry to Settlement

With Innovate Funding, you always know:

• How the loan is structured

• What the total cost of funds will look like

• What conditions must be met

• When settlement is realistically achievable

No vague promises. No hidden surprises.

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Who Innovate Funding Is Best Suited For

Innovate Funding is a strong fit if you’re:

• A business owner needing fast, asset-backed capital

• A property investor or developer working to tight deadlines

• A borrower with complex income, low-doc or no-doc scenarios

• Someone the bank has declined, but who has good property security and a clear exit

If you need private lending done properly, you’re in the right place.

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Speak With Innovate Funding

If bank delays are putting your transaction at risk, a different type of lender can change the outcome.

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You can learn more about who we are on our About Us page, or reach the team via the Contact page.

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We’ll review your scenario, look at your security and exit, and tell you honestly what’s possible.