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FRONT Financial, a Sydney-based company brokerage, has announced it has sold its broking business and pivoted to become a non-bank lender.
Founded by CEO Ryan Sweeney and chief of sales William Banham, FRONT Financial now operates exclusively as a commercial lender.
It provides property-backed loans secured by first and second mortgages, targeting business owners with real estate equity whose scenarios, structural complexities, or time frames fall outside conventional bank guidelines.
FRONT draws on three primary capital sources: its own balance sheet, warehouse facilities and private investor capital.
According to the company, the multi-tiered funding model is designed to provide flexibility in the types of transactions the firm can underwrite and how individual facilities are structured.
Rather than brokering deals to third-party institutions, the company’s in-house credit team directly underwrites transactions, sets terms and manages loans through to settlement.
The duo said that credit assessments are conducted on individual commercial merit, evaluating underlying security, equity positions, transaction complexity and exit strategies.
While FRONT has not been accredited on any aggregator panels, it said that mortgage and finance brokers can submit scenarios directly through the company’s website, with no formal accreditation process required.
Looking ahead, FRONT plans to expand its presence across Australia’s commercial credit market, with further growth initiatives slated for 2027.
Speaking of the business pivot, Sweeney said the decision was made to help find more solutions for business owners.
He said: “We spent years on the other side of the table watching good deals stall over rigid policy. That taught us exactly where traditional lending slows down and what it actually takes to get a scenario funded. Now we make the call ourselves.”
Banham added: “Our clients are ambitious business owners, and their funding needs are rarely one-size-fits-all.
“They shouldn’t have to be squeezed into a product. They need a lender who understands their business, recognises the opportunity and structures funding around what they’re trying to achieve.”
“If there’s a viable path forward, we’ll find it and structure around it,” said Sweeney. “That’s always been the job. Now we can see it through.”
[Related: Almost half of small businesses to lift prices after surcharge ban]
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