Commercial lending

Learn:

• key commercial product features
• how we support commercial clients investing, expanding or restructuring
• recent credit policy enhancements

Use when:

• you’re entering commercial lending
• you need to understand where Pepper Money fits
• a deal sits outside major bank policy

Learn:

• how Pepper Money approaches specialist securities, including NDIS properties, boarding houses and vacant land
• where these scenarios sit outside standard bank policy
• which flexible lending policies can support more complex commercial deals

Use when:

• a deal involves non-standard or specialist commercial security
• clients are investing in NDIS or boarding house properties
• a commercial scenario falls outside major bank lending criteria
• you need more flexible structuring options to progress a deal

Learn:

• real broker scenarios
• credit pathways and near prime opportunities
• ways to expand client options

Use when:

• clients fall outside prime criteria
• exploring SMSF commercial lending
• you need alternative structuring options

Nick: Structuring a deal outside bank policy

When a commercial property purchase couldn’t be approved by a major lender, this scenario shows how Pepper assessed the opportunity differently – and what made the deal possible.

Key takeaway: Flexibility in structure and policy can unlock deals that banks decline.