SME lending is a climb worth making - we'll show you the ropes
Flexible lending solutions for self-employed and SME clients
Not every borrower fits a standard mould — and not every lender is built to handle complexity. Our goal is to make SME lending more accessible, predictable and aligned with the realities brokers face every day.
More acceptable securities than mostFrom vacant land to rural properties, multi-property portfolios, and even incomplete structures, we offer more flexibility on security so you can say “yes” more often.
Alt doc made easyVerify income with just one of the following: BAS, bank statements, or accountant’s declaration, no unnecessary hurdles.
Unrestricted cash outFunds for any worthwhile purpose: your client’s next property development, renovation, or business growth plan.
Award-winning turnaround timesWe move quickly, supporting borrowers with tight timelines when purchasing residential property.
Funding what matters most to SMEs
From day‑to‑day cash flow to bigger moves, we back real business goals with property‑secured lending.
Working capital & cash flow
Smooth seasonal swings, purchase inventory and cover supplier payments.
Refinance & consolidation
Combine multiple facilities into one property‑backed loan for better cash flow.
Equipment, fit‑out & upgrades
Fund new equipment, shop fit‑outs and business improvements.
Commercial property purchase
Acquire owner‑occupied or investment premises with flexible assessment.
Equity release for growth
Unlock equity from property to invest in hiring, marketing or expansion.
Just starting out? We’ll help guide your way.
We provide personalised support to structure your first deal and practical tools to help you and your team build confidence and take action.
Education
Education that builds confidence: Download our toolkit or join our monthly webinars.
Guidance
Guidance for your first deal: Scenario workshops and pre-approvals with your BDM.
Direct Access
Direct access to credit analysts: Remove uncertainty with expert advice before you submit.
Broker Training
Broker training videos to help you complete serviceability calculators.
Already writing commercial business? We’ll help you climb to the next level
Deal support that gives you confidence. One of the broadest product ranges in market to meet all lending needs.
Smart structuring and deal vetting
Helping you navigate complex scenarios with ease.
Comprehensive credit policy
One of the widest product ranges in the market.
48-hour SLA
Predictable, fast turnaround times you can rely on.
Broker-first philosophy
No clawbacks. No channel conflict. Paper applications accepted.
Scenario Spotlight eNewsletter
A monthly email series to sharpen your credit knowledge and test your instincts. Each edition presents you with a real-world lending scenario and asks: What was the outcome?
See how other brokers voted and get expert commentary from ORDE’s credit team.
Frequently Asked Questions About SME Lending Solutions
Here's some of the commonly raised questions when navigating SME scenarios - from documentation and credit policy to deal structuring and turnaround times. A full list of FAQs can be found here.
ORDE’s flexible credit policy is built for real-world complexity including self-employed borrowers, trading companies, trusts, and layered income profiles.
We accept BAS, bank statements, accountant’s letters, and lease agreements depending on the scenario. Our Broker Support team and your Business Development Manager can help you work through a scenario and structure your application for success.
We offer fast, predictable turnaround times with responsive BDM support and clear SLAs so brokers can move quickly, manage expectations effectively and maintain client confidence. Brokers also have direct access to our expert Credit team for scenario support and live deals.
We support commercial property purchases, refinances, equity release, working capital, residential-for-business, SMSF, retained stock and more. Contact our Broker Support team or your Business Development Manager to discuss your scenario. You can also download our latest broker product guide here.
Acceptable securities include offices, warehouses, factories, retail, light industrial, and vacant land. Specialised securities are considered case-by-case. Submit your scenario to our Broker Support team or your Business Development Manager for case specific advice.
Looking for something else?
Product Range
See our full range of flexible loan products, including Residential, Commercial, SMSF, Construction and Bridging.
Accreditation
Ready to start working with ORDE? Complete our simple accreditation process.
ORDE Team
Find your dedicated BDM and learn more about the expert team supporting you at ORDE.
FAQs
Need help or have questions about ORDE? We’ve got the answers you need.
