Flexible business loans,
up to 30 years

From property purchase to refinance: long-term business loans up to 30 years, flexible documentation, and tailored solutions that make the difference.
Simple and fast application
Secure funding without unnecessary delays. With flexible documentation options and a streamlined process, you can move quickly when opportunities arise.
Finance based on property
We assess primarily on the quality of the property and loan scenario – not only complex business financials. Your property is your gateway to capital, even where traditional banks say no.
Tailored to your situation
From Prime to Specialist, our Flex Loans are designed to match your unique credit and income profile. Whether you’re self-employed, have limited financials, or a more complex history, we’ll find the right fit.

The three Flex Loan categories

Not every loan application is the same, we at Briqwise understand that better than anyone. That is why we distinguish between three different types of flex loan financing.

Prime Flex Loan

For borrowers with strong documentation and clean credit.
  • VRs: up to 85% residential, 65% commercial
  • Docs: 1 year tax return + NOA (self-employed) or payslips (PAYG)
  • Credit: paid on time each month, defaults <2k and older than 2 years ignored

Near Prime Flex Loan

For borrowers with shorter trading history or minor credit events.
  • LVRs: up to 85% residential, 65% commercial
  • Docs: from 12 months ABN + GST or alternative docs (BAS, bank statements, accountant declaration)
  • Credit: up to 1 month arrears, defaults <2k & older than 1 year ignored
  • Extras: consolidate up to 6 debts ($300k limit), ATO debt payouts

Specialist Flex Loan

For complex scenarios or borrowers with recent credit issues.
  • LVRs: up to 75% residential
  • Docs: flexible alternative documentation options
  • Credit: up to 2 months arrears, multiple impairments considered, discharged bankruptcies and Part 9/10 accepted

A flexible business loan in 6 steps

Getting a business loan through Briqwise is easier than you think. With our step-by-step process, we guide you from start to finish, so that you can realize your financing without stress. Wondering how it works? Here are the five steps:
1
Submit a request
The adventure starts with submitting your application. You can easily do this via the registration form, where you fill in some basic information about yourself and the property. You will have this arranged in no time.
2
Property assessment
After your request has been received, we will start assessing the property. Our experts look at the value and potential of your property. This is an important step because it determines how much you can borrow. But don't worry, we'll keep you up to date all the time.
3
Approval
If the review is positive, your application will be approved.
4
Placement on the platform
We then place them on our platform. Here, investors can view your project and decide whether they want to invest. This makes our process unique and flexible, because we work with a broad network of investors.
5
Matching investor (s)
Now comes the exciting part: finding the right investors. Thanks to our platform and network, this is usually very fast. Investors see the potential in your real estate and want to contribute to your dream. Before you know it, your funding will be complete.
6
Payout
The final step is the payout. Once the investors have been found and everything has been arranged, you will be paid the necessary amount. Now you can finally get started with your real estate. And best of all? You have nothing to worry about.

Flexible business loans with Briqwise

At Briqwise, we understand that investing in business property is a strategic step for growth and expansion. Whether you want to buy an office, a retail space, or refinance an existing property, we provide flexible finance solutions that go beyond traditional lenders. With Briqwise Flex Loans, you get fast access to the funding you need — without unnecessary complexity.

We keep the process simple and transparent, so you can stay focused on your business opportunities. With Briqwise you can count on speed, flexibility, and personal service for all your commercial property finance needs.

How to apply for your Flex Loan

Applying for a flexible business loan from Briqwise is simple and fast. Complete our online application form, where you fill in the details of the commercial property and your financing needs. This helps us quickly get a good idea of your project and the required funding.

Once you've submitted your application, our experts will start assessing immediately. We aim to clarify your financing options within a short time so that you can continue with your real estate project without delay. At Briqwise, we ensure that the process runs smoothly and that you can fully focus on expanding your real estate portfolio.

Our statistics

Since 2019, Briqwise has been ensuring that entrepreneurs realize dreams and investors secure their financial future. Sober, no hassle, just do it, that's us.

$ 500m+

Funded volume

750+

Funded loans

<7 days

From application to approval

98%+

Funding success rate
*This data has been compiled by Briqwise and shows historical data up to April 2024.

Frequently asked questions about commercial property loans

What documentation do I need to provide?

Initially, you provide the most important information about the collateral to be financed and the desired loan amount via the application form.

After that, we need more information from you, such as:
 * A valuation report prepared by a certified appraiser
 * Copy of ID
 * Lease agreements (when the property is rented)
 * Purchase contract (upon purchase)

Are you applying for funding through your company? Then we need more:
 * Recent financial statements

What are the costs of an application?

More details about the costs can be found on our rates page.

How long does a journey via Briqwise take?

You will always receive an indication of the feasibility and financing conditions within 24 hours. We will then complete the file and will be happy to schedule an appointment with you afterwards. The sooner you provide the necessary documentation, the faster we can switch. Our internal review takes 2 business days. After that, you will receive our Consent Letter, or the quote. Once you have signed this letter, we will approach our investor pool. Most applications are claimed within a few days. Has the investor legally confirmed his claim? Then we send the file to the notary.

What information do investors see?

At Briqwise, we draw up a so-called Information Memorandum. In this document, we write about the funding goal, the collateral, your background as an entrepreneur and the repayment capacity. We also add a good photo and the terms and conditions of the financing. This Information Memorandum can request investors who are interested in providing the funding. Approval of this memorandum takes place while signing your Consent Letter.

The information in the memorandum will not appear on our website and can only be requested by investors who are connected to the Briqwise platform.

Can my financial advisor or intermediary submit an application on my behalf?

Definitely! Intermediaries that are known to us can submit a financing request via the intermediary portal. Is this the first time that your advisor works with Briqwise? Through our brokers page he or she simply creates an account.

What types of properties can be financed?

Whether properties for rent, properties for personal use or a combination of both: they are all welcome at Briqwise. (Commercial) homes, business units, office buildings, recreational real estate, hospitality properties, retail real estate, combination buildings, agricultural companies or agricultural land: almost any form of business real estate can be considered collateral for us. Real estate that we do exclude are properties related to the sex industry, (soft) drugs or the arms industry.

How does penalty-free repayment work and what are the benefits?

Financing provided via our platform can be repaid without penalty. This means that you can repay the loans you borrow through Briqwise without having to pay a penalty. How nice is that?! Do you want to make use of extra repayments? These are always deducted on the interest due date. This falls on the last day of the month.

The advantage of penalty-free repayments is that you are extremely flexible with your business. For example, are you having a good year and therefore money left over? Then you can make extra payments on your financing without penalty. Are you on the other hand financially? Then you won't pay extra, no problem. Extra repayment is nice because it reduces your monthly interest burden. For example, interest is only charged on the outstanding loan amount.

 

What are the requirements for a business mortgage?

Requirements may vary, but our team will guide you through the entire process and ensure that you meet all necessary conditions.

Also real estate financing, without a bank?

Are you an entrepreneur looking for a mortgage for your business or investment property? Would you like to know more about the business financing options for your company with real estate as collateral?
Check your options