What it means for your business – and how lenders like Titan Capital are using tech to help you place deals faster
By now, you’ve probably heard plenty about how artificial intelligence (AI) is reshaping banking and financial services — but what does it mean for brokers working in the non-bank space?
The answer: faster approvals, better tools, and more flexibility — if you partner with the right lenders.
As non-banks like Titan Capital push further into tech-driven lending, brokers stand to benefit from AI innovations that improve deal placement, speed up submission processes, and reduce back-and-forth with credit teams.
Here’s how AI is being used — and what you should look for in your lender relationships moving forward.
Why Non-Banks Are Ripe for AI Innovation
Non-bank lenders have always played a different game than the majors. They’re faster, more flexible, and cater to clients who fall outside of standard lending policies — whether that’s SMEs, investors, self-employed borrowers or complex credit situations.
But with limited staff and leaner operations, many non-banks are now turning to AI and automation to maintain service speed, reduce risk, and help brokers submit deals more efficiently.
Titan Capital, for example, is known for its low-doc loan options and fast-turnaround products. Recently, the lender has been leaning into tech even more, offering competitive rates and streamlining its backend processes to improve broker experience.
Where AI is Already Making a Difference for Brokers
Here are five practical ways AI is helping brokers when working with non-bank lenders:
1. Faster pre-assessments
AI tools can automatically scan client docs (bank statements, payslips, BAS, etc.) and provide eligibility indicators — saving you time and giving clarity before you even hit ‘submit’.
2. Smarter pricing
Some non-banks are using AI to offer dynamic pricing — adjusting margins and fees based on deal quality, LVR, or risk profile. This gives you more room to negotiate or tailor a deal for your client.
3. Live broker support tools
AI-powered chat tools or support bots help you get quick answers on policy, rates, or doc requirements — reducing reliance on BDMs or credit queries.
4. Deal structuring suggestions
AI can assist in recommending alternative loan types or structures (e.g. bridging vs term, commercial vs residential) based on your client profile — especially useful for complex or self-employed scenarios.
5. Real-time status updates
AI-driven systems can automate status alerts, removing the guesswork around where a deal’s at in the queue — and giving you better communication with clients.
What Titan Capital Is Doing Differently
Titan Capital is one of the non-banks putting tech front and centre of its broker offering.
Already known for low-doc and fast-settlement loans, Titan is investing in broker-facing tools designed to:
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Give faster eligibility feedback
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Offer real-time pricing suggestions
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Automate parts of the credit process
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Streamline document uploads and tracking
With rates now comparable to some major lenders (from ~6.85% for certain SME products), Titan is positioning itself not just as an alternative lender, but as a smart tech partner for brokers.
Final Word: Tech Should Work For You
AI isn’t about replacing brokers. It’s about giving you better tools, more visibility, and faster settlements — particularly in the flexible, fast-moving world of non-bank lending.
Titan Capital is one example of a lender embracing this future. If your current non-bank partners aren’t innovating, now might be the time to ask: “Am I working with the right lender?”
Want to know what tools Titan Capital is offering brokers?
Visit titancapital.au or contact your BDM for a demo of their tech stack.
