Brokers may encounter more commercial clients reaching out for guidance as regulatory changes, including the Payday Super reforms, may begin to affect cash flow, and traditional lenders continue to refine their criteria.

In this environment, brokers have a critical role in helping business owners and commercial property investors understand their options and secure funding.

Liberty chief distribution officer David Smith says lender and BDM relationships are essential in helping brokers navigate uncertainty and structure deals with confidence.

“Brokers don’t want to turn clients away, especially when the environment is uncertain,” Smith says.

“Having the right lending partner beside them could make all the difference.”

Why non-banks are playing a bigger role

With more borrowers seeking adaptable solutions, non-bank lenders are becoming a key resource for brokers. Smith says the shift comes down to tailored lending solutions, clear communication, and predictable timelines. Each of these elements matters in commercial property transactions as much as day to day business lending.

“Non-banks move quickly, assess scenarios holistically, and offer alternative structures,” Smith explains. “This makes them an attractive option for brokers wanting to support a wider range of clients, whether they’re planning a commercial property purchase, equity release or have cash flow needs.”

This flexibility is particularly valuable as businesses explore working capital solutions, line of credit options, and commercial property opportunities that require timely decisions.

What brokers should expect from a lending partner

So, what should entrepreneurial brokers look for in a non-bank lender?

For Smith, it starts with practical capability and a willingness to understand the context behind each scenario.

“Look for lenders who understand context rather than relying solely on rigid criteria,” he says.

At Liberty, that approach guides how teams work with brokers. They focus on simplifying commercial lending, providing clear guidance, and refining deal structures early.

Access to experienced BDMs and credit assessors is also important. Early collaboration helps identify pathways sooner and gives brokers greater confidence when presenting options to clients.

“When brokers engage us upfront, we can help develop the structure, set expectations and create a smoother process for all,” Smith says.

Transparent communication, knowledgeable assessors, and a willingness to consider alternative documentation can all make a meaningful difference.

“The right lender should feel like an extension of the broker’s own team,”
Smith explains. “Someone they can call, workshop scenarios with, and trust to help shape solutions.”

Working together for better outcomes

As business conditions evolve, brokers are playing an increasingly central role in helping Australian borrowers navigate their funding choices with confidence – from commercial property loans to working capital needs.

A lending partner like Liberty could help brokers cut through complexity and continue delivering strong outcomes even as the landscape shifts, ensuring clients get the support needed to keep moving forward.

For more information visit liberty.com.au/broker or call 13 11 33.

Approved applicants only. Lending criteria apply. Fees and charges are payable. Liberty Financial Pty Ltd ACN 077 248 983 and Secure Funding Pty Ltd ABN 25 081 982 872 Australian Credit Licence 388133, together trading as Liberty Financial.