How it works
From inbox to credit-ready.
Every Collective transaction follows the same four stages. You submit the opportunity, Collective assesses it, you decide whether to activate it, and Collective prepares the credit material and manages the workflow through approval and conditions precedent.
- Membership
- Collective Access · $295 + GST per month
- Every month
- 4 Rapid Deal Assessments included
- Per activated transaction
- Collective Execution · $2,000 + GST per activated transaction
The journey
You retain the client relationship. Collective Credit provides the specialist capacity behind it.
- 01
Submit
Provide the core borrower, security, facility and transaction information through the Collective platform.
- 02
Assess
Collective identifies the key metrics, information gaps, risks and most appropriate next step.
- 03
Activate
Suitable opportunities can be activated for deeper review or full credit execution.
- 04
Progress
Collective prepares the required credit material and manages the workflow through approval and conditions precedent.
The full picture
What actually happens at each stage.
01 · Submit
Provide the core transaction information through the platform.
- Borrower and sponsor, security, facility purpose and amount, timing and the documents you already hold.
- Your team is set up in the Collective platform under Collective Access and can submit opportunities as they arise.
- There is no minimum quality bar for submission. Incomplete information is normal and is identified in the assessment.
02 · Assess
A Rapid Deal Assessment returns the key metrics, gaps and next step.
- Collective identifies the headline metrics, information gaps, structural or security concerns, an indicative lender category and a recommended next action.
- Four Rapid Deal Assessments are included every month. Additional assessments are $125 + GST each.
- A Rapid Deal Assessment is an initial screen. It is not a full credit submission, feasibility model or lender-ready application.
03 · Activate
Choose the depth the opportunity warrants.
- Where the opportunity needs deeper analysis before a decision, a Deal Review + Preliminary IM ($250 + GST per opportunity) delivers a concise 3–5-page Information Memorandum covering the borrower, security, proposed structure, headline metrics, risks, information gaps and recommended pathway.
- Where the opportunity is approved to proceed, it is activated for Collective Execution ($2,000 + GST per activated transaction), one defined engagement from approved opportunity to conditions precedent.
- Unusually complex, multi-stage, multi-borrower or multi-security transactions may require separate scope confirmation before activation.
04 · Progress
Collective prepares the credit material and manages the workflow.
- Security and opportunity research, construction or servicing modelling, sensitivity analysis and key risk identification.
- Credit submission, detailed information memorandum or client brief and pre-credit committee approval pack, reviewed by the credit team before release and approved by you before it leaves your brand.
- Document and information coordination, conditions-precedent checklist management and transaction status reporting through to satisfaction of the checklist.
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.
Submit
Capture the client, borrower, security and facility information.
Assess
Receive four Rapid Deal Assessments every month.
Progress
Move suitable opportunities into a Deal Review + Preliminary IM or Collective Execution.
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.
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.
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.
FAQ
The workflow, answered.
Common questions about fees, decisions, technology, incomplete documents, timing and confidentiality.
How do the fees relate to each other?
Collective Access ($295 + GST per month) is membership and includes four Rapid Deal Assessments each month. A Deal Review + Preliminary IM ($250 + GST per opportunity) is optional deeper analysis delivered as a concise IM. Collective Execution ($2,000 + GST per activated transaction) is charged when an approved opportunity is activated and may be incorporated into the transaction's application fee. The Dedicated Desk (From $5,000 + GST per month) adds a named analyst and reserved capacity for higher-volume businesses.
Does Collective make the credit decision?
No. Collective prepares research, models, submissions and packs for your review. Recommendations, lender selection, submission release and lender decisions remain with you and the lender.
How is technology used in the work?
Collective uses structured workflows, data-driven analysis and technology-enabled document review to work faster and more consistently. Every deliverable is reviewed by the credit team before release, and you approve everything before it leaves your brand.
What if my documents are incomplete?
That is normal. The Rapid Deal Assessment identifies the information gaps, and once a transaction is activated the team coordinates the outstanding documents and information as part of the engagement.
How quickly is work returned?
Timing is scoped according to the complexity and completeness of each transaction and, for Dedicated Desk partners, the capacity reserved. We do not publish blanket turnaround commitments.
Who can see my clients’ information?
Partner information is securely segregated. Your transactions are visible to you, your team and the Collective resources working on them. Collective does not independently approach your clients.
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