The detail behind the service.

Collective Credit is a trading name of Collective Credit Pty Ltd. Credit activities are provided under, or as authorised by, an Australian Credit Licence. Registered business and licence identifiers are available on request.

A Credit Guide describing our services, fees and dispute-resolution procedures is available on request before we provide credit assistance. Where a product carries a Target Market Determination (TMD), it describes the class of consumers the product has been designed for; a copy is available on request.

Where credit is provided wholly or predominantly for business or investment purposes, the National Consumer Credit Protection Act 2009 (Cth) may not apply. The regulatory protections available to you depend on the nature and purpose of the facility.

Collective Credit prepares material for the originator’s review and approval. The originator retains responsibility for client relationships, lender selection, recommendations, submission approval and their own fees. Nothing prepared by Collective Credit is a credit decision, and material outputs are reviewed by the credit team before release. Technology is used to accelerate research, analysis, drafting and workflow; it does not replace that review.

Where any lending is described, it is subject to the relevant funding partner’s criteria, credit assessment, due diligence, valuation, documentation and final approval. Loan-to-value ratios, terms, horizons and pricing referenced anywhere on this site are indicative only and will vary by transaction.

Any example scenarios or representative workflows are illustrations of how a transaction might be handled or a facility might be structured. They are not credit decisions, quotes or offers, and no scenario should be taken as an indication that equivalent terms or outcomes will be made available.

Nothing on this website constitutes financial product advice or a recommendation to enter into any credit facility or financial arrangement. Before acting, you should consider whether the information is appropriate for your circumstances and seek independent professional advice.

Where lending is provided for business or investment purposes, consumer credit protections may not apply. You should confirm the regulatory status of any facility before proceeding.

When you contact us or submit an enquiry, we collect personal and business information you provide so that we can respond, assess suitability and progress a potential membership or engagement. We only collect information that is reasonably necessary for these purposes.

Information supplied by a partner in the course of an engagement, including client and transaction information, is held for that partner and segregated from other partners’ information. Collective will not independently approach a partner’s clients.

We do not sell your personal information. We may share it with service providers and advisers involved in delivering the service, with funding partners only where you ask us to progress a funding-related request, and as otherwise required or permitted by law. We take reasonable steps to protect the information we hold.

You can request access to, or correction of, the personal information we hold about you by contacting us using the details below.

We are committed to resolving complaints fairly, promptly and free of charge. If something has gone wrong, you can raise it with us directly and we will work with you to put it right.

If we cannot resolve your complaint to your satisfaction, you can escalate it to the Australian Financial Complaints Authority (AFCA), our free and independent external dispute resolution scheme. Full details of both steps are on our complaints page.

For any legal, disclosure or privacy question, or to make a request about your personal information, please get in touch and we will respond promptly.