Commercial asset finance can seem like a market of small differences. Most lenders offer similar products and pricing. For brokers, this often means trying to force very different customers into the same type of loan.
The problem is simple: not every customer wants the same outcome. Some prioritise flexibility and early exit; others want the lowest possible rate and are happy to run the full term.
Until now, brokers have had limited room to maneuver. Plenti Commercial is moving away from its one-size-fits-all model with a more flexible product suite – giving brokers the power to structure around customer intent, not product constraints.
Introducing a dual product strategy
With the introduction of Plenti Advantage alongside its existing Plenti Flex offering, brokers can now align product selection with a customer's specific repayment intent through two distinct strategic pathways.
● Plenti Flex: Designed for customers who prioritise flexibility. Ideal for those who may upgrade, refinance, or pay out their loan ahead of schedule, Plenti Flex supports extra repayments and offers lower early payout costs, helping customers adapt as their needs change.
● Plenti Advantage: Built for the rate-sensitive borrower. This product offers a lower headline rate through a fixed early termination payout calculation, offering the sharpest pricing for those committed to the full term.
Together, these products enable brokers to align loan structure with customer intent – whether that be flexibility over the life of the loan or optimised pricing from day one.
Structure finance around the customer
This introduction of genuine choice marks a shift in how commercial asset finance is approached. Rather than asking “which product fits this customer?”, brokers can now reframe the conversation: “What structure best supports this customer’s needs and objectives?”
A customer focused on cash flow flexibility may be better suited to Plenti Flex, where additional repayments can reduce overall loan cost. Conversely, a customer seeking the lowest possible rate – and comfortable with a defined loan term – may align more closely with Plenti Advantage.
For brokers, this unlocks a more sophisticated client conversation. It also introduces a new lever for winning deals – particularly in competitive scenarios where structure, not just price, can be the key differentiator.
A new lens for growth
Plenti’s strategy reflects a broader shift in how growth in commercial lending can be achieved. Rather than competing solely on price, the focus is on equipping brokers to deliver stronger customer outcomes through more tailored, fit-for-purpose solutions.
With brokers under growing pressure to demonstrate value beyond headline rate, the ability to structure deals more effectively presents a meaningful opportunity for both winning business and deepening client relationships.
Looking ahead
The launch of Plenti Advantage marks the next phase in the evolution of Plenti Commercial Finance. In a market where product structures have remained relatively unchanged, the introduction of genuine choice is reshaping how brokers approach commercial asset finance. For Plenti, this is not a one-off innovation – but the foundation for continued evolution in how commercial lending is designed and delivered.
DISCLAIMER
The information in this article is intended for brokers only, is general in nature and you should consider whether it is appropriate for your clients. For further details and assumptions, see Plenti’s website.
Approved business applicants only. Lending criteria, terms, conditions, fees and charges apply.
Credit provided by Plenti Finance Pty Limited ABN 82 636 759 861, Australian credit licence number 569622, or Perpetual Corporate Trust Limited ACN 000 341 533, Australian Credit Licence number 392673 (as custodian). Plenti RE Limited holds Australian Financial Services Licence number 449176, Australian Credit Licence number 449176. Both Plenti RE Limited and Plenti Finance Pty Ltd are members of the Australian Financial Complaints Authority (AFCA).
