A broker's guide to placing complex deals with a non-bank partner
When a client's deal falls outside a bank's box — too complex, too fast, too leveraged — the broker who can still get it funded is the one who keeps the relationship. Increasingly, that means having a trusted non-bank partner on speed dial.
Where the banks leave brokers stuck
Tighter APRA standards and rigid credit policies mean the majors decline or slow-walk exactly the deals that matter most to your clients: development finance, higher-leverage structures, short settlement windows and anything that does not fit a template. A no from the bank should not be a no from you.
What a non-bank partner adds to your offering
- Responsiveness — a credit conversation you can actually have, rather than a queue.
- Leverage where the project supports it — senior debt with a mezzanine layer behind it, so more deals get across the line.
- Structuring flexibility — senior debt, mezzanine and preferred equity combined around the deal, not the policy.
- Complexity tolerance — second mortgages, interstate security, planning friction and mid-build problems treated as solvable rather than disqualifying.
Transparency your clients will thank you for
The best partnerships are built on clear, upfront terms — pricing, fees and process explained without surprises. That transparency protects your client relationship and your reputation: you are introducing certainty of process, not risk.
How the partnership works
A good non-bank partner makes you look good. You bring the client and the scenario; the lender engages quickly, keeps you informed at every step, and lets you stay central to the relationship. Rigorous due diligence and active management mean the deals that get done, get done well.
Winning more of the deals you already see
Every broker has clients whose deals the banks cannot serve. A non-bank partner turns those from lost opportunities into funded transactions — and into the referrals and repeat business that follow.
Talk to Siare about becoming an accredited partner and placing your next complex deal.
This is general information about business and investment-purpose finance only. It is not financial, legal or tax advice. All finance is subject to lender assessment, valuation and approval, and no timeframe or outcome is guaranteed.