Join

The private-credit desk for originators

Your origination.
Our collective infrastructure.

Collective Credit is the specialist credit desk behind your business. We help property and commercial-finance originators assess, structure and execute private and construction loans—without building another internal team.

Join Collective Access Submit a deal

Built for established originators, commercial brokers and private-credit businesses.

Your opportunity

Private or construction finance

Collective Credit

Specialist credit desk

Credit-ready

Assessed, structured and prepared

  • Private credit
  • Construction finance
  • Commercial property
  • Credit execution
  • White-label support

Desk

Private creditConstruction financeCommercial propertyCredit executionWhite-label supportCommercial and business-purpose private loansResidential and commercial bridgingDevelopment-site acquisitionLand and subdivision financeConstruction and development facilitiesConstruction completionResidual stockDevelopment exitProperty-backed business lendingCommercial investment transactions requiring specialist packaging

The constraint

Your pipeline should not be limited by your back office.

Private and construction loans require more than an application form. Every opportunity needs to be screened, researched, structured, modelled, documented and managed through credit approval and conditions precedent.

For many originators, that work consumes the time that should be spent building relationships and generating new business. Collective Credit provides the specialist credit capacity behind the scenes.

  1. Too much time spent qualifying incomplete or unsuitable opportunities

  2. Inconsistent credit submissions slowing lender engagement

  3. Experienced internal credit staff becoming expensive before volume is established

We give you access to an established credit function as and when your business needs it.

The service ladder

One credit desk.
A clear path from opportunity to settlement.

Start with Collective Access: your branded workspace and four Rapid Deal Assessments a month. Send opportunities that deserve deeper analysis for a Deal Review + Preliminary IM, activate the ones you want to progress for end-to-end execution, and embed a named analyst when your volume justifies it.

AssessReviewExecuteEmbedPlaceLend

  1. Stage 01 · Assess

    Collective Access

    $295 + GST per month

    Branded workspace, four assessments a month and the credit desk

    Your branded private-credit workspace, four Rapid Deal Assessments every month and direct access to the Collective credit desk.

    Join Collective Access

    Includes

    • White-label Collective Workspace
    • Your logo and basic brand colours
    • Up to five internal users
    • Client, introducer and opportunity records
    • Private-credit opportunity pipeline
    • Structured scenario submission
    • Document collection and deal files
    • Tasks and information requests
    • Rapid Deal Assessment results
    • Preliminary IM delivery
    • Live execution and CP checklist status
    • Email and status notifications
    • Basic pipeline and conversion reporting
    • Four Rapid Deal Assessments every month
    • Access to Collective Credit templates and workflows
    • Ability to activate additional specialist services

    White-label workspace setup: $495 + GST once-off. Setup fee waived with an annual Collective Access membership.

    Unused assessments do not roll over. Complete standard deal information is required before an assessment begins.

  2. Stage 02 · Review

    Deal Review + Preliminary IM

    $250 + GST per opportunity

    Deeper analysis delivered as a concise IM

    Deeper analysis delivered as a concise, credit-team-reviewed Information Memorandum.

    Request a Deal Review + IM

    The Preliminary IM covers

    • Transaction and facility summary
    • Borrower and sponsor overview
    • Security details
    • Proposed funding structure
    • Headline credit metrics
    • Key strengths and risks
    • Missing information
    • Indicative lender category
    • Go, revise or decline recommendation
    • Recommended next step

    A concise 3–5-page PDF. It is not a complete lender submission, credit approval pack or detailed feasibility model.

  3. Stage 03 · Execute

    Collective Execution

    $2,000 + GST per activated transaction

    Approved opportunity through the CP checklist

    End-to-end credit preparation from an approved opportunity through to satisfaction of the conditions-precedent checklist.

    Activate a transaction

    One defined engagement

    • Detailed security and opportunity research
    • Credit submission preparation
    • Detailed information memorandum or client brief
    • Construction and development modelling
    • Sensitivity analysis
    • Pre-credit committee approval pack
    • Document and information coordination
    • Conditions-precedent checklist management
    • Transaction status reporting

    The Collective Fee is charged when an opportunity is activated for execution and may be incorporated into the transaction’s application fee.

  4. Stage 04 · Embed

    Collective Dedicated Desk

    From $5,000 + GST per month

    White-label credit desk behind your business

    A white-label credit desk operating behind the originator’s business.

    Discuss a Dedicated Desk

    Includes

    • A named credit analyst
    • Dedicated communication channel
    • Partner-branded email and client communications
    • Initial client engagement and information collection
    • Priority review and execution capacity
    • Pipeline and transaction status management
    • Credit preparation and coordination
    • Monthly pipeline, turnaround and conversion reporting
    • Backup coverage when the named analyst is unavailable

    Your Collective analyst works as an extension of your team, engaging with clients under your brand while Collective Credit manages the underlying credit workflow.

    Transaction execution fees remain separate unless specifically included in a tailored enterprise proposal.

  5. Stage 05 · PlaceComing next

    Collective Panel

    Lender-funded on eligible settlements

    Placement and transaction coordination

    Access an expanding panel of private and construction lenders through one specialist credit desk. Collective Credit will coordinate lender engagement, credit progression and transaction execution.

    Register for Panel access

    The fee benefit

    • On eligible Collective Panel transactions, participating lenders waive their standard application fee.
    • The Collective Fee becomes the primary application charge, reducing duplicated fees for the borrower.

    Subject to lender participation and transaction eligibility. Independent legal, valuation, quantity-surveyor and other third-party costs remain separate.

  6. Stage 06 · LendFuture capability

    Collective Lending

    Future capability

    Managed and white-label lending products

    Collective Credit will use the strength of its originator network, transaction data and credit capability to introduce managed and white-label lending products designed around demonstrated market demand.

    Join the Collective network

    Potential capabilities

    • Collective-managed lending products
    • White-label products for established originators
    • Funding-line integration
    • Loan servicing and portfolio reporting
    • Trail and recurring income participation

Ladder stages: Collective Access ($295 + GST per month); Deal Review + Preliminary IM ($250 + GST per opportunity); Collective Execution ($2,000 + GST per activated transaction); Collective Dedicated Desk (From $5,000 + GST per month); Collective Panel (Lender-funded on eligible settlements); Collective Lending (Future capability).

Membership value

Four opportunities reviewed. One workspace to manage them.

Collective Access includes four Rapid Deal Assessments every month and a white-label workspace for managing the opportunities, documents and credit workflow behind your business.

  1. Submit

    Capture the client, borrower, security and facility information.

  2. Assess

    Receive four Rapid Deal Assessments every month.

  3. Progress

    Move suitable opportunities into a Deal Review + Preliminary IM or Collective Execution.

  4. Track

    Keep documents, requests, reports and transaction status connected in one workspace.

Additional Rapid Deal Assessments can be purchased when required. Additional Rapid Deal Assessments: $125 + GST each.

A Rapid Deal Assessment is an initial screen. It is not a full credit submission, feasibility model or lender-ready application.

Collective Workspace · Included with Collective Access

One membership. One workspace.
One credit desk.

Collective Workspace gives your business a branded operating environment for private and construction credit. Submit opportunities, collect documents, track progress and receive Collective assessments and reports through one structured workflow.

Your team retains the client relationship and brand. Collective Credit provides the specialist capability behind it.

Interface preview — illustrative workspace, not a live account.

Branded for your business
Apply your logo and core brand colours across the partner and client-facing workspace.
Built around credit
Manage opportunities, borrower information, securities, documents, assessments and transaction progress through a purpose-built private-credit workflow.
Connected to the desk
Submit opportunities directly to Collective Credit and receive Rapid Assessments, Preliminary IMs, requests and transaction updates within the same workspace.
Explore the workspace

Opens a workspace demo enquiry. Setup and onboarding are handled with the Collective team.

One connected record

  1. Client opportunity
  2. Rapid Assessment
  3. Preliminary IM
  4. Collective Execution
  5. Approval & CPs
  6. Settlement

Every stage remains connected to the original opportunity record, documents and communication history.

How Collective works

From inbox to credit-ready.

You retain the client relationship. Collective Credit provides the specialist capacity behind it.

  1. 01

    Submit

    Provide the core borrower, security, facility and transaction information through the Collective platform.

  2. 02

    Assess

    Collective identifies the key metrics, information gaps, risks and most appropriate next step.

  3. 03

    Activate

    Suitable opportunities can be activated for deeper review or full credit execution.

  4. 04

    Progress

    Collective prepares the required credit material and manages the workflow through approval and conditions precedent.

See the full workflow

How the work is done

Technology-enabled.
Credit-team reviewed.

Collective Credit combines structured workflows, purpose-built technology and experienced credit professionals to complete specialist credit work more efficiently and consistently.

Technology accelerates research, analysis, document preparation and workflow management. Experienced credit professionals remain responsible for reviewing the work and forming the credit recommendation.

01

Structured intelligence

Consistent capture and analysis of borrower, security, project and facility information.

  • Contract of saleTransaction
  • Feasibility studyProject
  • Sponsor financialsBorrower
  • Valuation reportSecurity

02

Faster preparation

Technology-supported research, modelling and preparation of credit materials.

  • Security researchComplete
  • Funding modelComplete
  • Credit submissionIn preparation
  • CP checklistQueued

03

Human accountability

Credit outputs are reviewed by experienced professionals before being issued or relied upon.

  • 01Material assumptionsReviewed
  • 02Figures reconciled to sourceReviewed
  • 03Exceptions noted2 flagged
  • 04Released to partnerAwaiting approval

Interface visual — illustrative review state, not a live transaction.

Who we support

Built for complex commercial credit.

Commercial-finance brokers

Add specialist private and construction credit capability behind an existing client network.

See Collective Access

Emerging lenders and funds

Establish more consistent credit processes, documentation and transaction oversight.

See fund operations

Beyond origination

Available by discussion

Operating support for established credit businesses.

For established private-credit funds and lenders, the constraint is not always origination. It can be the ongoing management of the loan book, credit function and complex borrower situations.

Collective Credit is building the capability to support established credit businesses across portfolio operations, treasury coordination, reporting and special-assets management.

Register fund operations interest

Potential future services

  • Loan-book and covenant monitoring
  • Portfolio and investor reporting support
  • Treasury and liquidity coordination
  • Arrears and watchlist management
  • Enforcement and special-assets coordination
  • Operational oversight of lending portfolios

Available by discussion as the Collective Credit team and operating capability expand.

Collective Credit does not provide legal services, enforcement advice or licensed funds-management services. Where required, Collective Credit coordinates with appointed legal, valuation, restructuring and other professional advisers.

Positioning

The specialist credit desk behind your business.

Collective Credit gives established originators access to the people, processes and technology required to handle complex private and construction credit—without carrying the fixed cost of building every capability internally.

  • 01Specialist rather than generalist
  • 02Flexible capacity rather than premature headcount
  • 03Consistent credit materials rather than ad hoc submissions
  • 04White-label support that protects the originator’s client relationship
  • 05A pathway from individual transactions to an embedded credit function

Your business.
Your brand.
Our collective infrastructure.

Pricing

Clear pricing. Start with Access.

Collective Access is the recommended starting point. Everything above it is activated only when you decide an opportunity or your pipeline warrants it.

Join Collective Access
  • Collective Access$295 + GST/month

    White-label workspace and four Rapid Deal Assessments

    Recommended start
  • Workspace Setup$495 + GST once-off

    Branding, users and initial configuration

  • Additional Rapid Assessment$125 + GST

    Additional initial opportunity screen

  • Deal Review + Preliminary IM$250 + GST/opportunity

    3–5-page Preliminary Information Memorandum

  • Collective Execution$2,000 + GST/activated transaction

    Lender-ready preparation through the CP checklist

  • Collective Dedicated DeskFrom $5,000 + GST/month

    Named analyst, client engagement and priority capacity

  • Collective PanelLender-funded on eligible settlements

    Placement and transaction coordination

  • Collective LendingFuture capability

    Managed and white-label lending products

All prices in Australian dollars and exclusive of GST. Fees, inclusions and service availability may vary by engagement. Third-party costs are separate unless expressly stated.

Frequently asked

Questions originators ask before joining.

Straight answers on what is included, what triggers a fee and where responsibility sits.

What is included in Collective Access?

Collective Access includes the white-label Collective Workspace, up to five internal users, Collective templates and workflows, four Rapid Deal Assessments each month and the ability to activate additional specialist services. It provides a low-commitment way to qualify opportunities before activating more detailed services.

What is Collective Workspace?

Collective Workspace is a private-credit operating environment included with Collective Access. It allows your business to manage opportunities, documents, assessments, reports, information requests and transaction progress through one structured workflow.

Is Collective Workspace white-labelled?

Yes. The workspace can display your business logo and basic brand colours across the partner and client-facing experience. Additional brands, custom domains and more extensive configuration may be priced separately.

Is Collective Workspace a complete CRM?

Collective Workspace is designed specifically for private and construction credit. It manages the credit opportunity and transaction workflow, but it is not intended to replace general marketing automation, accounting, telephony or every function of a broad sales CRM.

How many users are included?

Collective Access includes up to five internal users. Larger teams, additional entities and multiple brands can be scoped separately.

Who owns the client and transaction data?

The originating business retains ownership of its client and transaction data. Collective Credit accesses and processes the information required to provide the agreed platform and credit services, subject to the applicable terms and privacy policy.

Can information be exported?

Yes. Core client, opportunity and transaction information should be exportable in a standard format. Applicable retention, privacy and active-transaction requirements continue to apply.

What does the setup fee cover?

The $495 + GST once-off setup fee covers initial workspace configuration, logo and brand-colour setup, user creation and onboarding. The setup fee waived with an annual Collective Access membership.

What is the difference between a Rapid Deal Assessment and a Deal Review + Preliminary IM?

A Rapid Deal Assessment is a structured initial screen based on the information supplied. A Deal Review + Preliminary IM involves deeper analysis and produces a concise 3–5-page Information Memorandum covering the borrower, security, proposed structure, headline metrics, risks, information gaps and recommended pathway.

Is the Preliminary IM ready to submit to a lender?

The Preliminary IM is designed to determine whether an opportunity is ready to progress and provide a structured foundation for the next stage. It is not a complete lender submission, credit approval pack or detailed feasibility model. Suitable opportunities can be activated under Collective Execution for full lender-ready preparation.

What triggers the Collective Execution Fee?

The fee is triggered when an opportunity is approved by the originator and activated for full credit preparation and transaction support.

Does Collective Credit speak with my clients?

Client engagement is available through the Dedicated Desk service. The named analyst can communicate under the originator’s brand and operate as an extension of its team.

Does Collective Credit make the lending decision?

No. Collective Credit conducts analysis, prepares credit materials and supports transaction progression. The relevant lender or credit authority retains responsibility for the lending decision.

Are lender application fees waived?

On eligible Collective Panel transactions, participating lenders may waive their standard application fee so the Collective Fee becomes the primary application charge. External professional costs remain separate.

Is Collective Credit an AI platform?

Collective Credit is a specialist credit desk supported by purpose-built technology. Technology improves speed and consistency, while experienced credit professionals review the outputs.

Can Collective replace an internal credit team?

Collective can provide flexible or embedded credit capacity, depending on the service selected. Some businesses use Collective to avoid premature hiring; others use it to supplement an existing team.

About Collective Credit

Specialist capability. Shared infrastructure behind your business.

Collective Credit was created to solve a practical constraint in private and construction lending: strong originators should not have to build a large internal back office before they can grow.

Our team combines credit experience, structured workflows and purpose-built technology to help originators qualify opportunities, prepare stronger credit materials and manage complex transactions more consistently.

The Collective Credit team working together around a desk in a bright, modern office.

Join Collective Access

Start with the opportunities
already in your pipeline.

Join Collective Access, configure your branded workspace and submit the next four opportunities competing for your attention.

The specialist credit desk behind your business.

Book a Workspace Demo
Primary transaction types (select all that apply)
Workspace details (all optional)

Help us prepare your branded Collective Workspace. Branding can be supplied later during onboarding.

Approximate opportunities per month is captured above under monthly deal volume. Workspace setup is $495 + GST once-off; setup fee waived with an annual Collective Access membership.

Prices exclude GST. Lending decisions remain with the relevant lender. We respond during Australian business hours.