Asset & Equipment Finance
Asset & Equipment Finance
Self-Managed Super Fund (SMSF) Lending
Discover our super smart approach to SMSF.
Whether you're refinancing an existing corporate trustee SMSF loan or exploring a business real property opportunity, we're here to help you understand what's possible.
Loan amounts up to $5m
Max loan amounts differ across product options and security type and LVR
Up to 80% LVR
Max LVR differs across product options
Up to 30 year loan terms
With I/O available for up to 5 years
Redraw available
Twice a year per the anniversary of the loan, up to $50k at a time for repairs/maintenance of security property
New: Super Easy SMSF Refi option with no app fee
Serviceability assessment based on last 6 month’s repayment history*.
Plus no application fee for Prime Super Easy SMSF Refi loans with residential securities
until 12 November 2026^.
Important eligibility criteria, T&Cs, fees and charges apply.
The Pepper Money difference
Developed in partnership with brokers our super smart approach to SMSF lending offers, corporate trustees:
Our credit policy
- Only $150k net assets are required
- No liquidity requirements
- Director with credit impairment accepted
- Additional contributions that can be satisfactorily evidenced from reoccurring income streams
- Prime to Near Prime options –
Full & Alt Doc - O/O purpose (associated trading business tenancy agreement) available for commercial security
Faster to yes
- Direct access to our Credit team
- No commission clawback for early payout of SMSF loans
- Pre-approvals available
- Write the loan your way: Digital and manual application submission
Got a deal on your desk?
Give it the non-bank test.
Apply Online
With our efficient online application, you can lodge a deal right away. The ApplyOnline functionality will be very familiar to you in terms of the way you are already working with us on home loan applications. To lodge your SMSF loan click the Commercial tab.
Tools to help you
Product Guide
Detailed comparison of our SMSF lending options.
Serviceability Calculator
Check your client’s serviceability estimate before submitting an application.
Documents Library
All the forms you need to apply for and manage your clients' SMSF loan.
Really helpful webinars
Grow your non-bank expertise with these short, sharp webinars.
