There are two types of clients a broker will typically encounter. The first are asset-rich borrowers with the capacity to service a loan but without the documentation to demonstrate it. And then there’s the second: high-net-worth, time-poor, and simply uninterested in assembling a stack of income documentation for a loan they’ll refinance out of within a year anyway.
Two very different profiles. Same problem: the mainstream lending process wasn’t built for either of them.
That’s the gap private lending exists to close, and it’s worth reframing how we talk about it. Brokers should ask: What does my client need right now? Is it speed, flexibility, or a lender willing to look beyond conventional documentation?
Brighten Lift®, our short‑term private lending product, is built around that question rather than around a single use case. No income documentation is required; the loan is assessed on the security and the borrower’s exit strategy, not on payslips or tax returns. That single design choice is what lets one product change colour for a great variety of different clients.
Common scenarios include a tradesperson funding equipment for a new business, an investor facing a failed settlement, a business owner raising cash during a restructure or separation, or a high-net-worth client eyeing a small-scale development site, whose cash flow looks “inconsistent” on paper only because it’s genuinely complex, not because it’s a risk.
Different clients. Different circumstances. The same obstacle: document-heavy, review-laden lending processes.
Brighten Lift® is designed for these scenarios, with loan sizes from $250,000 to $15 million, up to 70% LVR on residential security and 65% on commercial security, terms ranging from three months to three years, interest-only repayments, and no annual reviews to disrupt an agreed exit strategy. Rates start from 8.99% p.a. variable for loans at or below 60% LVR, with pricing set on assessment criteria including LVR.
The narrative advisers should be taking to clients isn’t “here’s another option in case the bank says no”. It’s simpler than that: no matter where your client is at, new business, urgent settlement, restructuring, or simply too time-poor for paperwork, there’s a fast, flexible path forward.
“Brokers are increasingly relied on to open doors to funding options their clients simply won’t find through a mainstream lender,” says Ben Mckell, Head of Commercial Lending at Brighten.
Before defaulting to a mainstream lender, it’s worth an adviser asking a few questions: Does my client actually have the income documentation a bank will demand, or will chasing it cost them the deal? Is speed more valuable to them right now than rate? Is their cash flow unconventional but sound, rather than genuinely risky? And if the standard boxes don’t tick, is there a lender who can work with the story instead of the paperwork?
For clients who need that flexibility, Brighten Lift® is the chameleon of loan products; fast, document-light, and built to change shape around the client’s situation rather than a lender’s checklist.
