Commercial Loans

At Brighten, our commercial loans are built to offer the flexibility and value you need to grow your business or investment portfolio. Whether you’re applying with full financials, alternative income verification, or seeking lease or asset-backed lending, we offer some of the most competitive rates in the non-bank market. You can borrow up to $5 million, with loan terms up to 30 years and LVRs up to 80%. We also offer features like unlimited cash out (up to 80% LVR), acceptance of specialised securities, and no rate loading for Interest Only repayments—making it easier to fund your goals with confidence.

Loan Purchases

Suitable Borrowers

Max. LVR

Max. Loan Sizes

Full Doc Find out more >	Purhase Refinance Equity release of residential or commercial security	Individual, Company or Trust	80%	$5,000,000

Alt Doc Find out more >	Purhase Refinance Equity release of residential or commercial security	Individual, Company or Trust	75%	$5,000,000

Lease Doc Find out more >	Purhase Refinance Equity release of residential or commercial security	Individual, Company or Trust	70%	$5,000,000

Brighten Lift^® Find out more >	Purhase Refinance Equity release of residential or commercial security	Company	Residential Security: up to 70% LVR Commercial Security: up to 65% LVR Vacant Land: up to 65% LVR (approved on a case-by-case basis)	$5,000,000

Tailored for you

We are leading the way in challenging the status quo to establish a real alternative to traditional lending.
Discover our effective and innovative commercial loan solutions tailored for you.

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FAQs

What is a commercial loan?

A commercial loan is a type of financing used to purchase or refinance commercial properties, buy new equipment, or support business working capital. These loans are available not only to businesses and trusts but also to individuals looking to invest in commercial property.

How is a commercial loan different from a home loan?

While home loans are used to purchase or refinance homes or residential investment properties, Commercial Loans are designed for acquiring or refinancing commercial properties. Commercial Loans have different terms, interest rates, and eligibility requirements compared to Home Loans.

Who can apply for a commercial loan?

Commercial Loans are available to a wide range of applicants, not just businesses or trusts. Individuals can also apply if they are looking to purchase or refinance a commercial property.

How much can I borrow with a commercial loan?

Your borrowing capacity for a commercial loan will depend on several factors, including your income, financial obligations, credit history, and loan-to-value ratio (LVR).

Why choose a Brighten Commercial Loan?

Brighten offers flexible and competitive commercial loan solutions, with loan amounts up to $5,000,000 and LVRs up to 80%. We provide terms of up to 30 years, including interest-only periods of up to 5 years. Our flat rate structure applies across both owner-occupied and investment loans, as well as P&I and IO options. Brighten commercial loans have no annual reviews, offer unlimited cash out, and accept both standard residential and commercial securities. Specialised securities may also be considered on a case-by-case basis, giving borrowers even greater flexibility.

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