Every finance broker encounters deals that fall outside the standard bank lending box. A strong client with solid security but no recent financials. A business that was incorporated six months ago and needs capital now. A property investor who needs funds in 48 hours before a settlement falls over. These deals are not necessarily bad deals. They are simply deals that banks are not structured to handle. That is where a relationship with the right non-bank lender changes everything for your business.
The Gap Between Good Deals and Bankable Deals
Bank credit policies are built for the average borrower in the average situation. They require clean financials, established trading history, credit checks, serviceability assessments, and approval timelines measured in weeks. For many of your clients, those requirements disqualify them, not because their deal is weak, but because their situation does not fit a standard template.
Non-bank lenders assess deals differently. At Strive Financial, every deal is evaluated on four things: the purpose of the loan, the exit strategy, the security, and the loan amount. There is no serviceability test, no credit check, and no financials required. That opens the door to a large category of deals that banks routinely decline.
For brokers, that means more placements, more commission, and more satisfied clients who come back because you solved a problem when others could not.
The Types of Deals Non-Bank Lenders Can Place
Clients with strong assets but no financials
Business owners who operate through structures, reinvest profits, or have had an irregular year often struggle to produce financials that satisfy a bank. If the security is sound and the exit strategy is clear, Strive can consider the deal without financial statements or tax returns.
New companies needing capital
A business can be one day old and still borrow through Strive. For companies less than 12 months old, supporting documentation for the stated loan purpose is required, but the absence of trading history alone is not a barrier. This is a meaningful point of difference for brokers with startup and early-stage business clients.
Deals requiring fast settlement
When a client needs funds within 24 to 48 hours to avoid a penalty, settle a purchase, or resolve a tax matter, banks simply cannot move fast enough. Strive's 24-hour funding capability exists precisely for these scenarios. Brokers who can deliver certainty and speed in high-pressure situations build a reputation that generates referrals.
Second mortgage scenarios
Clients with existing bank mortgages can still access equity through a second mortgage position. Strive considers both first and second mortgage positions, which broadens the range of clients a broker can assist without requiring a full refinance.
What Brokers Value Most in a Non-Bank Partnership
Beyond deal placement, brokers consistently identify a few qualities that determine whether a lender relationship is genuinely valuable or just another name on a panel.
Clear credit policy
Brokers waste time when lenders are vague about what they will and will not consider. Strive is direct about the deal parameters: property-backed lending from $25,000 to $2,000,000, LVR caps that vary by property type, no third-party security, business or investment purpose only, and borrowers must be companies or trusts with corporate trustees. Knowing the policy clearly means brokers qualify deals before submission and avoid wasted effort.
Fast, honest communication
When a client is waiting on a funding decision, every hour matters. Brokers need a lender who responds quickly, gives honest feedback, and does not leave applications in a queue for days without communication. Speed of response is as important as speed of funding.
No upfront fees
Strive charges no upfront fees, which removes a common friction point in the broker-client conversation. Clients do not need to commit money before a deal proceeds, which makes it easier for brokers to have the initial conversation without hesitation.
How the Strive Broker Partnership Works
Strive Financial works directly with finance brokers across Australia. The broker partnerships programme is designed to make deal submission and management as straightforward as possible.
Strive is a national lender with a genuine broker-first approach. If you have a deal that does not fit the bank mould, bring it to the team and get a straight answer quickly.
There are no complex accreditation processes designed to slow you down. The focus is on building relationships with brokers who bring real deals and value honest, direct communication. Whether you place one deal a year or manage a high-volume commercial book, the conversation starts the same way: with your client's situation and what outcome they need.
Loan Products Available Through Broker Referrals
Brokers can refer clients to two main product categories at Strive:
- Term loans from 1.99% per month, secured by real property or vehicles, available from $25,000 to $2,000,000. No financials, no credit checks, interest-only with a balloon repayment. See term loans for details.
- Line of credit at 2.99% per month, a revolving facility that gives clients ongoing access to capital up to their approved limit. See line of credit for details.
Both products are available Australia-wide, including to newly incorporated companies with supporting documentation. Security can be residential, commercial, or industrial property, with LVR caps of 70%, 50%, and 60% respectively.
Start Placing More Deals Today
If you are a finance broker with clients who need fast, property-backed business funding and are running into bank roadblocks, Strive Financial is built for exactly that scenario. Explore the broker partnerships page to learn more, or get in touch with the Strive team directly to discuss your first deal. You can also apply online on behalf of a client to get the process started today.