With simple, fast, and fair solutions, self-employed lending specialist RedZed has helped scores of brokers realise commercial finance opportunities with tailored and customisable. With volumes soaring, Emma Yang, RedZed Head of Commercial Sales, unpacks how the non-bank lender has elevated its offering with tailored solutions, and explains why now’s the time to be thinking commercial.
Q. Why is commercial lending an important growth area?
Commercial lending is a key opportunity for brokers looking to deepen client relationships and diversify their business.
At RedZed, our focus has always been on supporting self-employed Australians, whether their needs are residential, commercial or within SMSFs. Expanding into commercial lending allows brokers to become a more complete adviser to their clients, supporting them as their financial needs evolve.
We’re also seeing strong interest from investors, including those operating within SMSFs, who are attracted to commercial property for its yield potential and long-term growth. Brokers who can service these needs are well positioned to grow both their client base and deal flow
Q. What types of commercial loans are gaining traction?
We’re seeing consistent demand across our commercial range, particularly for loans supporting property purchases, refinancing, equity release and business-related funding needs.
SMSF lending continues to gain momentum. With improved accessibility, competitive pricing and growing broker confidence in the space, it’s become a much more active segment than in previous years.
Short-term commercial lending is another area of strong growth. These solutions are being used for a range of purposes—bridging finance, site acquisition, funding stock or managing cash flow. They’re especially valuable in scenarios where timing and flexibility are critical.
We also support clients who may not meet traditional bank criteria, including those with more complex financial positions or past credit challenges.
Q. What makes RedZed’s commercial offering flexible?
Flexibility comes down to how we structure deals and the options we provide brokers.
A key part of this is our Alt Doc approach to income verification. We understand that self-employed clients don’t always fit standard documentation requirements, so we offer practical alternatives such as accountant declarations, BAS or bank statements.
Our pricing is risk-based, considering the overall strength of the deal—including credit profile, LVR, income verification method and the security property.
We’ve also made several enhancements to better support brokers, including:
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Accepting commercial vacant land as stand-alone security
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Reducing rates across our commercial SMSF offering
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Lowering application fees on our standard commercial products
In addition, our short-term lending solutions provide a flexible option for deals outside traditional policy. These are particularly useful where strong equity, clear exit strategies and suitable security are in place, allowing brokers to place deals that might otherwise not proceed.
At the end of the day, our goal is to give brokers more ways to say yes; backed by a team that understands the complexities of self-employed clients and commercial lending.
If you’ve got a scenario you’d like to explore, we’re here to help.
