Property-backed non-bank

Pepper Money business finance

Pepper Money is an Australian non-bank lender whose commercial offering includes commercial property loans, SMSF loans and commercial equipment and vehicle finance.

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Equipment & Asset Finance Vehicle & Fleet Finance Green & Sustainable Finance Commercial Property Finance Refinance & Debt Consolidation Tax & ATO Finance

Products listed: 4
ABN: 55 094 317 665
Licence: 286655
Commercial relationship: Listing on this site is not paid for by the lender.
Information last checked: 1 Oct 2026

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Pepper Money products

Commercial Asset Finance (Commercial Loan & Mortgage)

Commercial loan or chattel mortgage for equipment and vehicles such as trucks, machinery, fit-outs and commercial solar.

Amount: Not published
Term: Not published
Security: Asset-backed
Rate: Rate available on application
Repayments: Not published
Trading: 2+ years ABN registration

Rates and other criteria

Rate: Rate available on application
Repayments: Not published
Trading: 2+ years ABN registration

Source dated 1 Oct 2026

Details

Commercial Property Loan

Commercial property loan up to $5M over 1 to 30 years for purchase, refinance or tax debt, with full doc and alt doc options.

Amount: Up to $5M
Term: 1 yr to 30 yrs
Security: Property-secured
Rate: Rate available on application
Repayments: Not published
Trading: Not published

Rates and other criteria

Rate: Rate available on application
Repayments: Not published
Trading: Not published

Source dated 23 Sept 2026

Details

Finance Lease (business assets)

Finance lease where Pepper buys business assets on your behalf and leases them back to you for an agreed price over a set period.

Amount: Not published
Term: Not published
Security: Asset-backed
Rate: Rate available on application
Repayments: Not published
Trading: 2+ years ABN registration

Rates and other criteria

Rate: Rate available on application
Repayments: Not published
Trading: 2+ years ABN registration

Source dated 23 Sept 2026

Details

SMSF Loan (Business Real Property)

SMSF loan up to $5M for buying or refinancing business real property, for established, compliant SMSFs with a corporate trustee.

Amount: Up to $5M
Term: Up to 30 yrs
Security: Property-secured
Rate: 7.09% to 9.99% p.a. (variable)
Repayments: Not published
Trading: Not published

Rates and other criteria

Rate: 7.09% to 9.99% p.a. (variable)
Repayments: Not published
Trading: Not published

Source dated 23 Sept 2026

Details

Important information

About rates and fees.: Business finance is priced individually. Rates shown are the lender's published starting or indicative rates, not guaranteed rates. Where a lender does not publish a rate we still list the product and show how it is priced: "Rate available on application", "Risk-based pricing" (the lender says the rate depends on your risk or credit profile) or "Individual assessment" (the lender tailors pricing to each customer). Your rate and fees are confirmed by the lender after assessment.
Eligibility.: Meeting published criteria does not guarantee approval. Lenders also consider credit history, conduct of accounts, industry, security and the purpose of the loan.
General information.: This information is general in nature and does not consider your objectives, financial situation or needs. It is not an offer or approval of finance.

All disclosures

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