01The setup
You found the deal. So why are you giving it away?
Private credit has traditionally separated the people who originate opportunities from the organisations that fund them. Those lines are disappearing.
2026 Australian Private Credit Report
Own the deal.
The new economics of independent lending.
A guide for brokers, originators and mortgage managers ready to own more of the lending relationship, the economics and the credit they create.
24 pages18 min readNo cost
The premise
You found the deal.
So why are you giving it away?
Private credit has traditionally separated the people who originate opportunities from the organisations that fund them. One owns the relationship. The other owns the loan.
Increasingly, those lines are disappearing. Technology, institutional capital and modular infrastructure are creating a new generation of independent lending businesses.
This report is about how to become one of them.
Chapter 02 — The economics
Follow the $2 million loan.
One transaction, multiple economic events
- Application fee01
- Establishment income02
- Brokerage / origination03
- Interest margin04
- Servicing income05
- Extension / variation income06
- Repeat borrower economics07
Traditional broking captures just one piece of the pie. How many do you currently participate in?
Where the money goes
Lender (interest)55–65%
Origination (upfront only)10–15%
Funding costs5–10%
Servicing & admin5–10%
Indicative split of the economics generated by a $2m facility over its life. The full breakdown, including repeat-borrower value, is in the report.
Chapter 03 — Own it
What could you own?
The report includes an ownership assessment that scores where your business sits today — and what the next step actually requires.
0–30OriginatorYou predominantly monetise distribution.
31–60Strategic originatorYou have the capability to control product and placement.
61–80Mortgage managerYou have enough distribution to justify dedicated lending infrastructure.
81–100Independent lenderYou have the origination capability to support capital mandates and build a credit business.
Inside the report
Three chapters, one argument.
02The economics
Follow the $2 million loan.
A single facility generates income at seven distinct points. We trace each one, and show how much of it a traditional broking model never touches.
03Own it
What could you own?
A practical assessment that scores your current position from 0 to 100 — and sets out what becomes possible at each level.
Get your copy
Own the deal.
The new economics of independent lending.
- The full $2m facility economics breakdown
- The 0–100 ownership assessment
- What each step up actually requires
- 24 pages · PDF · no cost