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Understand Pepper Money’s commercial policy
A practical introduction to how we structure and assess commercial deals.
Commercial overview
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
More across structuring commercial deals with a deeper dive into securities
Learn:
- which flexible lending policies can support more complex commercial deals
- how Pepper Money approaches specialist securities, including NDIS properties, boarding houses and vacant land
- where these scenarios sit outside standard bank policy
Use this 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
Equifax lending insights
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
See how commercial deals get done
Real life broker scenarios showing how Pepper Money solves complex commercial lending challenges.
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.
Build stronger commercial submissions
Practical tools to help you structure deals clearly and move applications forward faster.
Grow your commercial lending business
Insights and tools to help you build capability and expand your client offering.
Educate us!
Important Information
Information is correct as at 14 September 2026 and subject to change at any time.
This content is for accredited Pepper Money brokers, introducers and intermediaries, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.
Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The information provided is factual only and isn’t intended to recommend any financial product(s) or be tax advice. If you require financial or tax advice, consult a licensed adviser.
These webinars include factual information only and are intended as a general guide. They do not imply any recommendation about financial product(s) or constitute tax advice. The information is believed to be correct at the time of delivery. However, credit policies, interest rates, and fees may change.
Pepper Money does not accept responsibility for any outcomes resulting from reliance on the content of these presentations. Case studies are provided for educational purposes only and are not testimonials. Outcomes will vary depending on individual circumstances. Applications are subject to credit assessment, eligibility criteria, and lending limits. Terms, conditions, fees, and charges apply.
These presentations are intended for brokers only and must not be copied or shared with anyone outside the intended audience without Pepper Money’s prior written permission.
