Non-Bank Commercial Lending Hits New Stride as MA Money Joins LMG Panel — What SME Borrowers Need to Know

Non-Bank Commercial Lending Hits New Stride as MA Money Joins LMG Panel

Non-bank lender MA Money has secured a place on the LMG (Liberty Financial Group's aggregation platform) commercial broker panel, according to Australian Broker (June 15, 2026). The move reflects a broader market trend: non-bank commercial lenders are actively expanding their distribution channels at a time when the major banks have tightened commercial credit standards.

Why This Matters for Commercial Borrowers

LMG is one of Australia's largest mortgage aggregator networks, with thousands of brokers across the country. When a non-bank lender joins an LMG panel, it significantly increases that lender's reach — more brokers can now present non-bank commercial loan options to their SME clients as a credible alternative to bank financing.

For borrowers, this translates into more choice and faster access to non-bank commercial products, particularly:

• Commercial property purchases (offices, retail, industrial)
• Business expansion loans using commercial property as security
• Self-employed owner-occupier commercial loans
• SME lending where the business doesn't meet big-bank income documentation thresholds

The Big Bank Gap in Commercial Lending

Since 2023, Australia's major banks have systematically tightened their commercial lending criteria. APRA's stricter capital requirements for commercial real estate (CRE) exposures have made the Big Four more selective, especially for:

• Loans above 65% LVR for commercial property
• Borrowers with less than 3 years of business tax returns
• Mixed-use properties
• Small business owners with complex income structures

This has created a growing gap that non-bank lenders — including MPFG Capital — are positioned to fill.

MPFG Capital's Commercial Lending Offer

MPFG Capital offers commercial property finance with LVR up to 75% — higher than most major banks will go for non-residential property. Key features include:

For self-employed business owners, this combination of higher LVR and flexible income documentation is particularly valuable — a combination the major banks rarely offer simultaneously.

What the Growth in Non-Bank Distribution Means

As more non-bank lenders join major aggregator panels, competition in the non-bank commercial space will intensify. For borrowers, this is broadly positive: more competition tends to drive better pricing and more flexible terms.

For brokers, having access to a wider range of non-bank commercial products means they can better serve clients who don't fit the bank mould — a segment that, according to recent MFAA data, represents a growing share of commercial loan applications.

Key Questions for SME Borrowers Considering Non-Bank Commercial Finance

1. What is the LVR on my property? Non-bank lenders can often go to 75% where banks stop at 60–65%.
2. How long has your business been operating? Most non-bank lenders require 12–24 months ABN history.
3. What documentation can you provide? BAS statements, accountant letters, and bank statements are accepted by non-bank lenders.
4. What is the exit strategy? Commercial loans are often shorter-term (1–5 years); lenders want to see how you'll repay or refinance.

This article is general information only and does not constitute financial or investment advice. MPFG Capital holds ACL 553698.