Commercial loans can be a great way to diversify for brokers and borrowers alike.
For borrowers with residential investments, commercial property can offer a new revenue stream via strong rental yields. And for brokers, adding commercial loans to your skill set could help grow your share of wallet.
As an award-winning full-service non-bank lender, Brighten offers a diverse range of commercial loan solutions designed to meet the needs of a wide range of borrowers. With terms up to 30 years, amounts of up to $10 million, and LVRs up to 80 per cent, we provide the flexibility brokers need.
Flexible and competitive
Brighten’s Commercial Full Doc is ideal for property purchases and refinances with full income documentation. Customers can choose between two-year or one-year financials, without needing tax portals or business bank trading statements.
For self-employed borrowers without full financials, our Commercial Alt Doc offers flexibility with a simple solution requiring only one form of income documentation, such as an accountant’s letter.
For customers relying solely on lease income, our Commercial Lease Doc is a straightforward option, available to both residents and non-residents. We use an interest cover ratio (ICR) of 1.25 times on the actual rate, and we can also offer loan terms up to 30 years, making it a practical solution for lease-backed scenarios.
For asset-rich borrowers with limited income documentation, Brighten Lift® provides a fast and flexible short-term lending option, requiring no income verification and available to both residents and non-residents. Acceptable security includes residential properties in Category 1 and 2 locations, as well as commercial and vacant land in Category 1 areas. With loan amounts up to $10 million and terms ranging from three months to three years, Brighten Lift® offers a straightforward, asset-backed solution designed for borrowers who value speed, simplicity, and minimal documentation.
Moving to a faster ‘yes’
What truly sets us apart is our streamlined, broker-centric approach – no annual reviews, no red tape, and a focus on speed. From application to settlement, we minimise unnecessary paperwork and deliver fast turnaround times to help brokers get deals done efficiently.
With Brighten, you’re working with a lender that understands you and your customers. You’ll have direct access to your BDM for hands-on support, and our experienced team is dedicated to moving your deal to a faster ‘yes’.
Since launching our Commercial offer last year, we’re building our dedicated Commercial team quickly – we’ve recently brought in a new relationship management team in Sydney and an experienced BDM Daryl Corletto in Melbourne.
Our standard SLA is three days and for our Brighten Lift® solution, we offer a same-day indicative term sheet once we receive your scenario. Our market-leading servicing policy helps maximise your clients’ borrowing power, combined with competitive rates, no ongoing loan service fees, and no annual reviews.
Getting started on commercial loans could be easier than you think – accreditation with Brighten is simple and straightforward. Get in touch today to find out how Brighten’s solutions can help you succeed.
Ben Mckell
Head of commercial lending, Brighten
