Quick, simple, flexible – commercial loans done right

Q. How do Brighten commercial loans stand out?

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 $5 million, and LVRs up to 80 per cent, we provide the flexibility brokers need.

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.

Q. What full doc and alt doc solutions do you offer?

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.

Q. Do you have a solution for lease income only?

Absolutely. Our Commercial Lease Doc is a straightforward option for customers relying solely on lease income. 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.

Q. Can you help asset-rich borrowers with limited income documentation?

Brighten Lift® is our fast, simple, no-income-doc short-term asset lending solution. We accept residential, commercial, and vacant land in Category 1 and 2 locations. We offer loan amounts up to $5 million and terms from three months to three years. As an asset-backed solution, no income assessment is required, making it ideal for borrowers seeking speed, flexibility, and minimal documentation.

Q. Why should brokers choose Brighten for Commercial Loans?

Options, service, and experience. 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’. 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.

Get in touch today to find out how Brighten’s solutions can help you succeed.

Brighten Commercial Pty Ltd ACN 625 549 126