Login
ISCOVER
Small businesses can now access finance at rates as low as 6.85 per cent as non-bank lender Titan Capital expands its suite of fast, effective lending solutions.
Non-bank lender Titan Capital has unveiled a short-term commercial lending product to help brokers provide fast, flexible solutions for small and medium-sized enterprises (SMEs).
Launched in January 2025, Titan Capital’s new Premium Business Borrowers product line features a range of short-term commercial loans with rates starting at 6.85 per cent.
SMEs can access loan terms of up to 24 months, with loan amounts ranging from $100,000 to $5 million and a minimum loan term of one month.
Speaking to The Adviser, Darren Yow, Titan Capital’s business development manager, said the loans have been designed to support a broad range of SMEs across different industries, offering a wide lending scope.
“We have seen a threefold increase in settlements from property investors, developers, and business owners looking to purchase investment properties, refinance existing debt, or fund expansion plans,” Yow said.
“Retailers, wholesalers can also benefit by using Titan Capital business loans for working capital, inventory purchases, or equipment upgrades.
“With our low-doc solutions and flexible terms, this product is particularly beneficial for businesses that need fast, accessible funding with minimal red tape.”
Fast, effective solutions
Part of the impetus behind this product line, according to Yow, was the wish to provide more options for SMEs who may have been underserved by traditional lenders and faced impediments from strict lending criteria, lengthy approval processes and limited flexibility.
“How we fill this gap is by offering quicker loan approvals, more relaxed requirements, tailored financing options, and competitive rates, making it easier for SMEs to secure the funds they need,” Yow said.
“We provide faster, more flexible, and accessible solutions for businesses that struggle going through the traditional banking channels.”
Speed-to-market is another valuable quality in the fast-moving SME space, and Titan Capital’s new product line has been designed to keep up with the pace of innovation.
Fast approvals and settlements are achieved through a combination of crystal-clear lending policies to eliminate unnecessary back and forth, advanced technology to improve accuracy and speed, and continuous process improvement and optimisation.
“On average, brokers can expect to have a loan fully completed with us in as little as 1-2 weeks – speed, efficiency and results at their best.
Segment to service
While the Reserve Bank of Australia’s (RBA) decision to cut interest rates in February brought some much-needed relief to borrowers, many of the economic pressures that have made the last few years a challenge for SMEs continue to simmer.
Rising operational costs, increased competition and taxation burdens have created a lingering level of pressure for SMEs who also need to keep at least one eye on growth opportunities. Recent data released by the Reserve Bank (RBA) indicated a significant acceleration in business lending. As of the end of December2024, business credit growth reached 8.9 per cent, marking the highest rate since May 2023.
Against this backdrop, many brokers can find opportunities – that may even already exist in their current book – by shifting into the commercial lending space. Titan Capital’s Premium Business Borrowers product line provides a natural fit for brokers who wish to do so, according to Darren.
“The feedback has been overwhelmingly positive,” Yow said.
“Many brokers have praised these rates for being close to traditional bank offerings. With these competitive rates, brokers find it much easier to present solutions to clients, eliminating the need for difficult conversations about pricing and ensuring a smoother, more confident pitch.”
All commercial loans in the suite are backed by solid fund resources, and brokers will also be interested to note there are no clawbacks.
“Since launching our 6.85 per cent short-term business loan, we’ve seen a threefold increase in inquiries from brokers and business borrowers,” Yow added.
“From a settlement perspective, our volume has also tripled compared to the same period last year.
“Brokers and their clients appreciate the combination of competitive rates, streamlined approvals, and tailored solutions, making it easier to secure funding for high-quality business opportunities.”
SMEs are undoubtedly the engine room of Australia’s economy.
With products such as Titan Capital’s new Premium Business Borrowers line providing the fuel, brokers can play an important role in keeping these engines turning.
“We’re always striving to stay ahead of the curve. We’re constantly exploring new and innovative ways to provide creative solutions, anticipating market shifts before they happen,” Yow added.
“Our latest product is designed to give brokers and their clients a real competitive edge. With market-leading rates, fast approvals, and flexible loan structures, we’re making it easier than ever to secure funding and close deals efficiently. We understand the challenges brokers face in today’s market, and our goal is to provide the speed and certainty they need to support their clients’ growth. If you’re looking for a lending partner that truly understands your need, reach out to us – we’d love to help."
Want to learn more?
Schedule a call with our team to learn more about our tailored product today.
