Titan Capital speeds flexible funding amid easing cycle

This article was produced in partnership with Titan Capital

Non-bank lenders are stepping in to meet demand for flexible funding as mortgage and lending markets start to benefit from the flow-on effects of the Reserve Bank of Australia's (RBA) monetary easing cycle.

Titan Capital is one such lender meeting the needs of business clients who are outside the traditional bank lending profile or who require faster approvals than mainstream lenders can provide.

“One of the most unbeatable aspects of lending with Titan Capital is the speed it delivers outcomes for brokers and borrowers. Titan’s technology enables us to do things our competitors can’t,” said Darren Yow, business development manager (BDM) at Titan Capital (pictured).

Lending uptick across key sectors

The upswing in alternative financing has been spurred by the RBA’s rate cutting that began in February to bring the rate down to 3.6% currently, helping to lower borrowing costs across both business and residential lending.

With reduced interest rates easing pressure on cash flows, small and medium-sized businesses have been quick to respond. Major lenders like CBA and Westpac have passed on rate reductions to business customers via lower loan and overdraft rates.

Lenders like OnDeck Australia reported a 40% spike in small business lending in the three months following February’s rate cut, with growth seen across retail (49%), professional services (36%), construction (22%), and hospitality (14%). Many businesses are using the funds to hire, invest in stock, or drive productivity gains.

This activity is also filtering through to the consumer economy. Xero data shows that small business sales, while modest overall (3% year-on-year in June), experienced surges of 6.3% in March and 5.9% in June—suggesting renewed confidence post-cuts. At the same time, consumer sentiment has zigzagged since February but anecdotal evidence suggests that some consumers are returning to higher-end purchases at businesses such as cafes. 

Banks feel the margin squeeze

While the rate cuts are fuelling lending volumes, banks are also grappling with shrinking net interest margins. Bendigo and Adelaide Bank saw a 6-basis-point NIM decline in early 2025, citing funding pressures and home loan competition.

NAB, however, bucked the trend—posting $1.77 billion in third-quarter cash earnings and an 8-basis-point increase in NIM, driven by stronger lending and funding efficiencies. This divergence highlights how margin pressures are being offset in some cases by improved asset quality and smart pricing strategies.

Titan Capital: a broker ally in a shifting market

With banks adjusting their appetites and processes, brokers are increasingly looking to lenders that can act quickly—particularly for asset-backed or time-sensitive scenarios. Titan Capital is positioning itself as a strategic partner for brokers servicing SMEs in need of fast, flexible funding.

Titan’s automated platform, SAIL™, uses real-time analytics to deliver instant credit decisioning and pricing, with applications completed in as little as three minutes.

“Our proprietary tech and forward-thinking credit approach allow us to deliver faster and more consistent outcomes, which ultimately elevates the broker and client experience,” said Yow.

Whether helping clients fund an acquisition, seize a growth opportunity, or finance a new development, Titan Capital provides tailored solutions that allow brokers to act swiftly in a competitive market.

Here's how it supports businesses:

1. Flexibility & Liquidity: Non-bank lending allows businesses to tap into funds quickly by borrowing against assets such as real estate, which can bridge cash flow gaps without selling core business assets.
2. Cost Benefits in a Lower-Rate Environment: With the RBA’s rate cuts, non-bank loans become more cost-effective. Lower benchmark rates trickle through to loan interest, reducing the cost of borrowing against assets.
3. Protections Against Volatility: Businesses facing temporary shortfalls—seasonal revenue dips, delayed receivables, or bridge financing needs—can use this type of lending as a stop-gap. This removes the urgency to raise external capital or liquidate assets at unfavourable prices.
4. Strategic Investment Leverage: In bullish segments, businesses may leverage credit facilities to invest opportunistically—such as in renovations and strategic acquisitions—while preserving capital and benefiting from lower borrowing rates.
5. Diversified Financing Toolbox: Combined with traditional term loans or overdrafts, non-bank lending provides businesses with a diversified set of financing options. This helps smooth cash flow and reduce dependency on any single funding source.

Opportunity for brokers

The current rate environment offers brokers a chance to rethink client strategies. Combining traditional bank loans with non-bank options like asset-backed finance or short-term funding lines can provide businesses with greater agility—and reduce dependence on any single lender.

When deployed prudently, non-bank finance enhances liquidity, lowers funding costs, and enables businesses to act decisively amid uncertainty or opportunity.

As banks continue to calibrate lending terms and rates, businesses should review financing mixes proactively. A structured approach—combining lower-cost variable loans, overdrafts, and credit facilities—can provide both safety and roadmap for growth.

Titan Capital’s forward-thinking approach to credit assessment enables faster and more consistent outcomes, ultimately providing an unparalleled level of service and experience for clients.

Whether helping clients to purchase their first investment property, capitalise on a business opportunity or lay the foundations for a new multi-storey development, every client has a story to tell, and Titan Capital can help weave the journey together.

Explore flexible funding solutions with Titan Capital