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For non-bank lending, debt-to-income ratios aren’t really a factor. While banks increasingly focus on serviceability and strict assessment frameworks, we structure loans around the asset and the purpose of the funding. We deal mostly in short-term lending, bridging finance, construction loans, or development finance, so the risk profile is very different from a 30-year mortgage.
We also have the flexibility to consider the broader picture. For example, we might look at a borrower’s cash flow, property portfolio, or upcoming projects. We’re not just checking a box, we’re helping clients make their plans happen, whether that’s buying land, upgrading equipment, or bridging cash flow for seasonal demands. This approach allows borrowers to act proactively, rather than waiting for banks to say yes.
Mitchell Chadevski
General Manager of Renown Lending
Transparency and trust are key. There are lenders in the market who over-promise and under-deliver, some may even take upfront fees without intending to fund the deal. Borrowers should check ABNs, websites, LinkedIn profiles, and contact details. Look for lenders with a track record, clear communication, and a commitment to solving problems rather than creating them.
It’s also important to understand that non-bank lending is scenario-driven. Every deal is different. A lender should assess the whole picture, not just the property or loan amount, but the intended use, timelines, and exit strategy. That ensures borrowers can plan realistically and avoid unexpected complications.
“Transparency and trust are key.”
— Mitchell Chadevski, General Manager of Renown Lending
Think of lending as a strategy, not just an emergency tool. Have your line of credit or overdraft set up before you need it. Keep your tax, cash flow, and documentation in order so you can act quickly when opportunities arise. For developers, that could mean pre-assessing potential blocks, knockdown-rebuilds, or duplex projects. We can provide early guidance on lending limits based on land and end-value components, so they can budget, plan feasibly, and move quickly.
The key is flexibility. Short-term finance allows borrowers to capitalise on opportunities, purchasing, renovating, or developing, without being hampered by lengthy bank processes. That speed and certainty often make the difference between a missed opportunity and a successful project.
“Think of lending as a strategy, not just an emergency tool.”
— Mitchell Chadevski, General Manager of Renown Lending
The human element matters. Pick up the phone and talk to your lender. Relationships are the foundation of successful transactions in a market increasingly driven by digital processes. Brokers who communicate openly, understand the borrower’s strategy, and are flexible with options can unlock better outcomes for everyone.
It’s also about guiding borrowers. Help them see that non-bank finance isn’t just a fallback, it can be an effective, proactive tool. By working together with lenders who prioritize transparency, flexibility, and speed, brokers can deepen client relationships and provide a more complete suite of financing solutions.
“We’re literally doing those deals, from start to finish, in a week.”
— Mitchell Chadevski, General Manager of Renown Lending
Right now, construction loans are a major driver. Banks have tightened drawdowns and made the process more cumbersome, so brokers and developers are coming to private lenders for simpler solutions. We can structure loans to match the project’s timing, capitalise interest, and adjust repayment schedules, all of which take the pressure off borrowers juggling multiple cash flow commitments.
There’s also a shift in how non-bank finance is perceived. It’s no longer just a last resort for borrowers who can’t get a bank loan. Savvy investors, developers, and SMEs are using private finance strategically, to secure discounted stock, fund upgrades, or expand operations. By using private lenders proactively, borrowers can seize opportunities quickly rather than being constrained by traditional lending processes.
What we’re seeing is a significant shift in the market. Major banks like CBA and Macquarie have recently changed their lending policies around companies and trusts, and that’s going to leave a gap. Once the two biggest banks step back, it sets a precedent. Other major lenders, NAB, ANZ, Westpac, may eventually tighten their policies too. That creates a real opportunity for non-bank lenders like us to step in and provide solutions.
The advantage we have is flexibility. We’re not bound by the same regulations as traditional banks, and we’re not relying on deposits. We can look at each scenario differently and make decisions based on the structure of the deal rather than rigid serviceability tests. This is especially important for investors and developers who need speed, certainty, and bespoke solutions.
“We can look at each scenario differently and make decisions based on the structure of the deal rather than rigid serviceability tests.”
— Mitchell Chadevski, General Manager of Renown Lending
We’re focused on growth and expansion across Australia. Our priority is strengthening relationships with brokers and borrowers while continuing to deliver fast, flexible, and tailored finance solutions. We want to make sure clients can access the right capital, at the right time, in a way that supports their goals, and that’s what drives our strategy moving forward.
You can hear more about Renown Lending and the trends they’re seeing in market on the Broker Daily Podcast. Check out the full episode here:
Mitchell Chadevski
General Manager of Renown Lending
Renown Lending is Australia’s newest leading non-bank lender, dedicated to providing brokers and borrowers with a responsive, flexible, and reliable lending.
