Who we support
If you already have relationships and deal flow, the constraint is rarely opportunity. It is the hours each private or construction credit transaction takes to research, model, package and prepare for credit. Collective completes that work behind your business without removing your control.
The constraint
A private loan, a bridging facility or a construction transaction needs security research, a funding model, a credit narrative and a reconciled document pack before a lender will engage. Hiring a full credit team for occasional or uneven volume rarely makes sense. Turning the opportunity away rarely does either.
Collective gives you specialist capacity when the opportunity appears, and dedicated capacity when the volume becomes consistent.
Private-credit originators
Expand transaction capacity without recruiting a complete internal credit team.
See Collective ExecutionCommercial-finance brokers
Add specialist private and construction credit capability behind an existing client network.
See Collective AccessConstruction-finance specialists
Access project modelling, sensitivity analysis and structured credit preparation.
See property and construction creditEmerging lenders and funds
Establish more consistent credit processes, documentation and transaction oversight.
See fund operationsCollective focuses on commercial and business-purpose private and construction credit. It is not positioned around ordinary owner-occupier residential lending or consumer credit.
Division of responsibility
A clear line between what remains yours and what Collective completes, so the desk extends your capacity without touching your relationships, your fees or your authority.
Your client. Your brand. Your transaction.
Representative workflows
Construction-finance specialist
Collective reviews the property and transaction, builds the funding model, tests the development assumptions and prepares the credit submission for the originator’s approval.
Released only on your approval, under your brand.
Commercial-finance broker
Collective classifies the available documents, identifies missing information and prepares the executive credit summary and information memorandum.
Released only on your approval, under your brand.
Private-credit originator
An originator with consistent private-credit flow moves from Rapid Deal Assessments and activated transactions to a Dedicated Desk with a named analyst working under its brand.
Released only on your approval, under your brand.
Representative workflows. Deliverables and timing are scoped according to the complexity and completeness of each transaction.
Built behind your brand
The desk is built to extend your business, not to compete with it. These commitments are part of every membership.
The Collective platform
The system beneath the service
Every submission, source document, calculation, deliverable and outstanding item is managed through the Collective platform. Partners receive structured workflow and reporting without implementing another internal system or managing another operations team.
Collective Dedicated Desk
From $5,000 + GST per month
The Dedicated Desk is a white-label credit desk operating behind the originator’s business. 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.
Includes
Beyond origination
Available by discussionFor 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.
Potential future services
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.
The service ladder
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
Stage 01 · Assess
$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 AccessIncludes
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.
Stage 02 · Review
$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 + IMThe Preliminary IM covers
A concise 3–5-page PDF. It is not a complete lender submission, credit approval pack or detailed feasibility model.
Stage 03 · Execute
$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 transactionOne defined engagement
The Collective Fee is charged when an opportunity is activated for execution and may be incorporated into the transaction’s application fee.
Stage 04 · Embed
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 DeskIncludes
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.
Stage 05 · PlaceComing next
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 accessThe fee benefit
Subject to lender participation and transaction eligibility. Independent legal, valuation, quantity-surveyor and other third-party costs remain separate.
Stage 06 · LendFuture capability
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 networkPotential capabilities
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).
Join Collective Access
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