Liberty Business and Commercial Loans: Broker Policy

Liberty business loans fund business operations, acquisitions and refinancing through several routes, including property-secured loans and loans without mortgage security. Liberty commercial loans also include property-focused facilities assessed on business income, lease income or a short-term exit. Choose the route by the use of funds and repayment source before collecting the application evidence.

Map the Current Liberty Commercial Routes

As at October 2026, Liberty publishes the following business and commercial routes. The table groups them by funding need so a property purchase and a cash-flow gap aren’t assessed as the same transaction.

Funding need	Published Liberty route	Distinction for the file
Working capital, stock or business acquisition	Secured business loan	Security is assessed with the application. Published terms run from 12 months to 30 years, with no minimum time in business.
Established business with alternative income evidence	Low-doc business loan	Residential or commercial property security, at least two years in business and terms from 12 months to 30 years.
Business funding without a property mortgage	Flexible business loan	At least two years in business and a maximum five-year term.
Recurring working-capital needs	Business line of credit	Draw and repay against an approved limit, with interest charged on funds used.
Business premises or commercial investment property	Low-rate commercial loan or low-doc commercial loan	Separate the property transaction from the income-verification method.
Commercial investment repaid from rent	Lease income loan	Repayments rely on the commercial property’s lease income.
Short-term investment or acquisition	Short-term commercial loan	Maximum three-year term. Identify the repayment exit before using a short facility for a longer project.

These routes cover the purposes above without making a business loan the default for every asset purchase. For a facility secured over the equipment itself, use the separate Liberty asset finance guide.

Liberty’s business application names Liberty Financial Pty Ltd and Secure Funding Pty Ltd, together trading as Liberty Financial. Its privacy notice identifies Secure Funding Pty Ltd as the credit provider. The commercial application carries Liberty Financial Pty Ltd’s name and Australian credit licence 286596.

The published forms provide a broker or introducer channel, while product pages also provide a Liberty Adviser enquiry route. Keep the exact lending entity on the application and offer beside the selected product. A shared Liberty brand doesn’t make the forms or security requirements interchangeable.

Define the Business and Funding Need

Record who borrows, what the money pays for and how the business will repay it. Start with the legal entity and trading name, then identify owners, directors and any trustee. Separate the business earning the income from a related entity that owns the proposed security.

Build a short transaction description with enough detail to choose a facility.

• Record the trading start date and any change in ownership or business activity.
• Itemise the amount for each purpose, including debts to refinance and the client’s contribution.
• Give the settlement deadline and the dates when the funds will be spent.
• Name the repayment source, such as trading receipts, lease income or an asset sale.
• Match the proposed term to how long the funded stock, equipment or acquisition will produce income.

A hypothetical retailer needs $120,000 for stock expected to sell within four months. Show the supplier payment date and when customer receipts arrive. Repeated stock cycles can justify assessing a line of credit, while a one-off purchase needs a repayment plan tied to that cycle.

A 30-year term reduces the immediate repayment burden but leaves debt outstanding long after that stock has sold. A three-year acquisition facility has the opposite risk if the acquired business needs five years to generate the repayment funds. Change the structure or identify an evidenced exit before proceeding with either mismatch.

Assess Cash Flow and Conduct

Assess the business’s ability to meet payments from the income source chosen for the facility. Compare financial statements with bank receipts and outgoings, then reconcile tax balances and existing debts. Explain seasonal revenue, returned payments and irregular transfers so a cash balance isn’t mistaken for recurring income.

As at October 2026, Liberty’s low-documentation (low-doc) business loan accepts alternative income evidence, including bank statements, business activity statements (BAS) or an accountant’s declaration. Its published two-year trading requirement applies to that product. The secured business product’s absence of a minimum trading period doesn’t remove the need to show repayment capacity.

Liberty’s low-doc commercial product also accepts alternative income verification as at October 2026. Its advertised maximum 80% loan-to-value ratio (LVR) requires sufficient income evidence. Less verification brings further LVR restrictions, so an accountant’s declaration doesn’t automatically support the advertised maximum.

For the lease income route, Liberty says the lease income services the property loan, as at October 2026. Read the rent payable, lease expiry and tenant payment record together. A lease with high stated rent can’t meet today’s repayments if the tenant has stopped paying.

Test the business forecast against a weaker month before submission. In a hypothetical file, monthly cash available after operating costs and existing debt payments is $14,000. Proposed repayments of $9,000 leave $5,000, but a $6,000 reduction in available cash creates a $1,000 shortfall.

Show what causes that reduction, such as delayed customer receipts or higher input costs. Identify the cash reserve or other supported response that meets the shortfall. Keep a forecast separate from verified historical income and from Liberty’s final servicing assessment.

For business funding without property security, Liberty’s flexible business page says it may require extra financial information, including financial statements, as at October 2026. The unsecured business loan guide explains the broader repayment assessment for that funding need.

Resolve Security and Guarantees

List each asset owner and each person whose guarantee is proposed before describing the security package. Record existing mortgages or business charges and identify which will remain after settlement.

As at October 2026, Liberty’s low-doc business loan is secured against residential or commercial property. Its flexible business loan requires no mortgage security, but the page says security is determined during assessment. Treat the absence of a property mortgage separately from the question of business security or personal guarantees.

Liberty’s business application states that a first-ranking general security agreement (GSA) over all present and after-acquired property is required. That wording covers a business security interest beyond one nominated asset. Identify existing registrations and the parties needed to release or change priority before settlement.

For a property-secured commercial transaction, record the property type, ownership, valuation basis and existing debt. Explain whether repayments come from the operating business or tenants. The commercial property loan guide develops those security and income questions.

For each proposed guarantor, record their relationship to the borrower and the obligations in the offer. A company borrower and its director are separate parties, even when the director owns every share. Keep the guarantee and security documents consistent with that distinction.

Classify a vehicle purchase by its predominant use before choosing a route. A consumer vehicle enquiry belongs with the Liberty car loan guide. Ordinary residential borrowing belongs with Liberty home loan policy, even when the borrower also owns a business.

Package and Escalate the Submission

Package the evidence against the selected facility and assessment method, with a written explanation of any point needing a scenario decision. As at October 2026, Liberty’s business form directs completed applications to businessapps@liberty.com.au. Its commercial form lists commercialapps@liberty.com.au and directs scenarios to the Products Team on 13 11 33 or the broker’s business development manager (BDM).

The business form’s full-documentation checklist requests the last full year’s financials and lodged tax returns, interim financials and 12 months of bank statements. It also requests Australian Taxation Office (ATO) account records and statements for debts being refinanced. Keep that business checklist separate from the commercial checklist below.

Commercial assessment or transaction	Evidence in Liberty’s commercial checklist, as at October 2026
Applicant and security	Identity documents, executed trust deeds where applicable and valuer access details
Property purchase	Contract of sale including title details
Refinance	Last six months of statements for loans to be paid out
Full-documentation self-employed assessment	Two years of business and personal tax returns and business financials, with the checklist’s sole-trader exceptions
Low-doc assessment	Income and finances completed by the borrower and accountant
Lease Stream assessment	Executed lease and evidence of six months’ rental payments
Boost assessment	Signed declaration and signed exit strategy from all applicants

Use those assessment labels with the selected product’s instructions. The checklist’s Boost label doesn’t establish eligibility for every short-term loan, and its Lease Stream evidence doesn’t make an operating-business forecast a substitute for rent.

For an unusual industry, security type or proposed exception, send a concise scenario request before treating the point as agreed. A useful hypothetical request reads:

Harbour Retail Pty Ltd has traded for four years and seeks $120,000 to buy seasonal stock. The funds are needed by 20 November, with customer receipts expected between December and February. The company proposes a business line of credit secured over the director’s residential property. Attached are financials, current bank conduct, tax balances and the stock budget. Please confirm the proposed security structure, annual review terms and any additional evidence required for this seasonal use.

Include a separate question about any tax arrears, existing security registration or guarantor issue in the actual file. Attach the document that explains it and specify the outcome needed from Liberty. Retain the written response with the application so the assessor can distinguish a scenario indication from a formal credit approval.

The submission is ready when the chosen route fits the funding period, the repayment source reconciles to evidence and every security owner and guarantor matches the application. Lodge the business or commercial file through its designated channel with the resolved scenario conditions included.