Banks Are Basic: Why Smart Borrowers Use Brokers
(Especially if you’re a business owner sick of jumping through hoops.)
Let’s be real for a second: Trying to secure a loan through a bank can sometimes feel like applying for Hogwarts. Confusing. Overwhelming. And full of rules you didn’t even know existed.
And for business owners? Add a few extra hoops. Then set them on fire.
But we’ve got good news: The lending landscape has shifted, and using a broker like Thrive Lending Group has never made more sense (or saved more sanity).
Why banks don’t always open doors for everyone
Banks are great. Until… they’re not.
When you go directly to one lender, you’re only being offered their loan products.
Which means:
Less choice
Less flexibility
A higher chance of being declined if you don’t fit their exact mould
Banks also tend to love traditional, squeaky-clean applications:
PAYG income
Long-term employment
Predictable credit behaviour
If you’re a business owner, creative, freelancer or investor with an income that doesn’t come in a neat, weekly package, good luck.
Here’s where a broker (like us) flips the script
As brokers, we don’t just sell loans.
We’re problem-solvers. Strategists. Matchmakers.
We work with 40+ lenders, and we know which ones are open to self-employed income, newer ABNs, or non-traditional income streams.
More options = more ways to get your loan over the line.
And because we’re not tied to one bank, we always act in your best interest, not theirs.
Business owners: getting approved is now, so much easier
Here’s the truth no one told you back in 2015:
Lenders are finally catching up with how modern business works.
That means if you’ve got:
Healthy cash flow
Strong business activity
A well-structured application (that’s where we come in)
…you don’t need 5 years of perfect tax returns and a unicorn accountant to get approved.
At Thrive Lending Group, we know how to present your business in a way lenders understand and respect. We don’t just throw in the numbers, we craft a strong, story-backed application that speaks their language and yours.
But what about the rates?
Let’s bust another myth: Brokers don’t always mean higher interest rates.
In fact, thanks to the volume of loans we place and the relationships we have with lenders, we often secure rates that beat what you’d get going direct.
You still win. Every time.
Here’s why you’ll want Thrive in your corner:
We compare 40+ lenders
We work for you, not the bank
We know which lenders suit business owners, investors & self-employed clients
We do the legwork, applications, paperwork, chasing, negotiating
We guide you with real advice (no smoke, no mirrors)
Whether you’re buying your first home, refinancing, growing your business or finally making that big investment move, don’t settle for one bank’s opinion.
You’ve worked hard to get here. Now let’s make your money work harder for you.
Let’s thrive, together.
