Services
The work behind the deal, done for you.
Collective completes the research, modelling, credit packaging and conditions-precedent preparation that sits between a private or construction credit opportunity and a lender decision. You keep the client, the fee, the strategy and the approval.
- Six services
- Access, Review, Execution, Desk, Panel, Lending
- One defined engagement
- Collective Execution · $2,000 + GST per activated transaction
- How the work is done
- Technology-enabled, credit-team reviewed, released on your approval
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
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 AccessIncludes
- 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.
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 + IMThe 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.
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 transactionOne 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.
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 DeskIncludes
- 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.
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 accessThe 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.
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 networkPotential 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).
Collective Execution
One defined engagement from approved opportunity to conditions precedent.
$2,000 + GST per activated transaction
Collective Execution is the complete lender-ready engagement. Collective converts an approved opportunity into a detailed Information Memorandum and credit submission supported by the required research, modelling, sensitivity analysis, approval materials and conditions-precedent management through to satisfaction of the checklist. It is one defined engagement, not a collection of individually priced services.
The Collective Fee is charged when an opportunity is activated for execution and may be incorporated into the transaction’s application fee.
Unusually complex, multi-stage, multi-borrower or multi-security transactions may require separate scope confirmation before activation.
The engagement covers
Research and structure
- Detailed security and opportunity research
- Review of the proposed structure
- Key risk identification
Modelling and analysis
- Construction and development modelling
- Sensitivity analysis
- Servicing or feasibility analysis
Credit materials
- Credit submission preparation
- Detailed information memorandum or client brief
- Pre-credit committee approval pack
Coordination and reporting
- Document and information coordination
- Conditions-precedent checklist management
- Transaction status reporting
01 · Research
Research the opportunity
Build a clear view of the property, borrower, transaction and identifiable risks before deciding how the opportunity should progress.
Representative workflow · Construction-finance specialist
From project documents to lender-ready submission
Collective reviews the property and transaction, builds the funding model, tests the development assumptions and prepares the credit submission for the originator’s approval.
- What Collective completes
- Reviews the security, location, planning context and market position of the asset.
- Summarises the sponsor, borrowing entity and transaction structure from the information supplied.
- Identifies the risks and open questions a lender is likely to raise.
- Assesses the stated exit against available evidence and liquidity.
- What you supply
- Property address or title details
- Transaction outline and purpose
- Sponsor and borrower background
- Any existing valuations, contracts or planning documents
- What you receive
- Security and market summary
- Comparable evidence schedule
- Sponsor and transaction summary
- Initial risk register
- Exit and liquidity note
- Credit team review points
- Material assumptions and comparable selection are reviewed by a credit professional before release.
- Open questions are returned to you rather than resolved by assumption.
02 · Credit case
Build the credit case
Turn the opportunity and supporting evidence into a concise, lender-ready credit narrative.
Representative workflow · Commercial-finance broker
From document pack to structured credit case
Collective classifies the available documents, identifies missing information and prepares the executive credit summary and information memorandum.
- What Collective completes
- Drafts the credit narrative in the format the target lender or committee expects.
- Prepares the borrower and sponsor profile, sources and uses, funding table and structure and exit analysis.
- Reconciles the narrative to the supporting documents so every figure has a source.
- Flags gaps, inconsistencies and matters requiring your commercial judgement.
- What you supply
- Completed research or a Deal Review + Preliminary IM
- Financials, valuations and supporting documents
- Proposed structure, pricing and lender or committee target
- Your commercial position on the transaction
- What you receive
- Client information memorandum
- Lender credit submission
- Executive transaction summary
- Borrower and sponsor profile
- Sources and uses and funding table
- Structure and exit analysis
- Credit team review points
- Figures, assumptions and evidence references are reviewed before the draft is released.
- You review, edit and approve the submission before it is released under your brand.
03 · Project
Test the project
Understand how a development transaction performs when costs, timing, sales or property values change.
Representative workflow · Construction-finance specialist
From project documents to lender-ready submission
Collective reviews the property and transaction, builds the funding model, tests the development assumptions and prepares the credit submission for the originator’s approval.
- What Collective completes
- Builds or reviews the construction funding model from the feasibility, budget and programme.
- Calculates peak debt, cost to complete, equity requirement and the funding table across the build.
- Stress-tests sales, valuation, cost and timing assumptions.
- Presents LVR and LTC outcomes under each scenario.
- What you supply
- Feasibility or development budget
- Construction programme and contract details
- Sales evidence, presales or valuation material
- Proposed facility terms and equity position
- What you receive
- Construction funding model
- Feasibility review note
- Peak-debt and cost-to-complete schedule
- Sensitivity tables
- LVR, LTC and equity scenario summary
- Credit team review points
- Model logic and material inputs are checked by a credit professional before release.
- Scenario ranges are agreed with you, not assumed by the desk.
04 · Pack
Prepare the pack
Organise the information required for credit review and manage what remains outstanding through to satisfaction of the conditions precedent.
Representative workflow · Private-credit originator
From individual transactions to an embedded desk
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.
- What Collective completes
- Reviews and classifies the documents supplied against the lender or committee requirements.
- Builds the missing-information schedule and, once terms are issued, the conditions-precedent checklist.
- Structures the data room and assembles the pre-credit committee pack.
- Coordinates outstanding items and reports transaction status through to satisfaction of the checklist.
- What you supply
- Lender or committee requirements list, if available
- All documents collected to date
- Approved submission and model, where prepared
- Terms or indicative term sheet, once issued
- What you receive
- Classified document index
- Missing-information schedule
- Pre-credit committee pack
- Conditions-precedent checklist
- Transaction status reports
- Credit team review points
- Classification and reconciliation exceptions are reviewed by a credit professional.
- Nothing is submitted to a lender or committee without your approval.
Beyond origination
Available by discussionOperating 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.
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.
Division of responsibility
You keep the judgement.
We carry the work.
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.
You remain responsible for
- Client relationship
- Mandate and transaction strategy
- Commercial judgement
- Lender relationships
- Final lender selection
- Submission approval
- Client application fee
Collective provides
- Rapid Deal Assessments
- Security and borrower research
- Construction and development modelling
- Credit submission and detailed information memorandum
- Pre-credit committee approval pack
- Conditions-precedent checklist management
- Transaction status reporting
Your client. Your brand. Your transaction.
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