Credit Connect Group

Name

Credit Connect Group

Legal name

Credit Connect Capital Ltd

Website

https://ccg.com.au

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Non-Bank Lending and Private Credit

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industries

Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG), Private Credit / Direct Lending (FSAAAHAG), P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• Non-bank lending
• Private credit investments
• Bridging finance
• Construction development finance
• Property-backed loans

Headquarters

HQ city

Gold Coast

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Interest Income (Spread): CCG generates revenue primarily through the spread between returns paid to investors (from 8% p.a.) and interest charged to borrowers (ranging from 9.75% to 21.75% p.a. depending on loan type). Loans are structured as short-to-medium term (3-24 months) secured by Australian real estate.
2. Loan Origination Fees: Fees collected from borrowers at loan origination, including upfront fee disclosure with fixed-rate, interest-only structures. No hidden fees, line fees, or management fees.
3. Broker Commissions: Brokers are paid upfront commission upon settlement. Commission is either mandated directly with the borrower or noted on CCG offer documents, deducted from loan amount.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Credit Connect Group provides short-to-medium term (3-24 months) property-backed loans ranging from $80K to $50M to borrowers in Australia, including bridging, commercial/business, construction and development, land, SMSF, and second mortgage products. On the investor side, the company offers private credit investment opportunities earning from 8% p.a. via first-ranking registered mortgages over Australian real estate, connecting investor capital directly to the loan book through an integrated platform.

Product overview

Credit Connect Group operates as a non-bank lending and private credit investment platform. The core offering consists of Private Credit Investments — first-mortgage secured investment opportunities connecting borrowers with private investors. The lending side comprises six distinct loan products: Bridging Loans (Access), Commercial & Business Loans (Momentum), Construction & Development Finance (Rise), Land Loans (Horizon), SMSF Loans (Vault), and Second Mortgage Loans (Boost). The company recently launched an Online Investment Platform for digital investor onboarding. All loans are secured by Australian real estate, typically ranging from 3-24 months with amounts from $80K to $50M, while investment returns start from 8% p.a.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Credit Investments First-mortgage investment opportunities secured by Australian real estate, offering investors regular monthly income from 8% p.a. target returns with capital preserved through first-ranking registered mortgages. Targeted at HNWIs, family offices, SMSFs, and professional investors.
• Bridging Loans (Access) Short to medium-term financing providing quick capital to cover temporary funding gaps between property transactions. Loan amounts from $80K to $50M, interest rates from 9.75% to 11.75% p.a., LVR up to 70%, terms of 6-12 months, fixed rate and interest-only.
• Commercial & Business Loans (Momentum) Flexible short to medium-term business and commercial loans secured by Australian real estate for working capital, property acquisition, equipment finance, and debt consolidation. Loan amounts from $80K to $50M, interest rates from 9.75% to 11.75% p.a., terms of 6-24 months, fixed rate, interest-only, no hidden fees.
• Construction & Development Finance (Rise) Structured finance for ground-up builds, major renovations, subdivisions, and commercial or mixed-use developments. Funding advanced progressively based on Gross Realised Value (GRV) aligned with construction milestones, LVR up to 70% as-if-completed, secured by first mortgage over Australian property.
• Land Loans (Horizon) Financing for purchasing vacant land for future construction, development, subdivision, or long-term investment purposes. Secured by first mortgage over Australian property.
• SMSF Loans (Vault) Property-secured lending tailored for Self-Managed Super Funds seeking to invest in Australian property. Enables SMSF trustees to acquire investment properties using a combination of fund capital and borrowed funds under a compliant structure.
• Second Mortgage Loans (Boost) Secondary loan secured against property equity, allowing borrowers to unlock capital without refinancing their primary mortgage. Loan amounts from $80K to $20M, interest rates from 18.75% to 21.75% p.a., LVR up to 75%. Used for purchase, refinance, equity release, and working capital.
• Online Investment Platform New in-house developed digital platform enabling eligible investors to complete private credit investments online. Features include secure digital forms, reduced paperwork, faster processing, and daily returns calculation. Bespoke system purpose-built specifically for CCG.

Quantifiable outcome

• 9.45% p.a. average investor return in 2025 with 100% capital and interest repaid on 515+ loans totaling $1.28B
• +2 more outcomes

Named customers3 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

18 partnerships are on record, tiered supporting.

• McCullogh RobertsonsupportingImplementation/ SI/ Consulting PartnerLegal services provider listed among CCG's service providers and partners. Provides legal support for transactions and documentation.
• Compliance NationalsupportingImplementation/ SI/ Consulting PartnerCompliance services provider supporting CCG's regulatory and compliance requirements.
• Shand Taylor LawyerssupportingImplementation/ SI/ Consulting PartnerLegal services provider for transaction support and documentation.
• Mitchell BrandtmansupportingImplementation/ SI/ Consulting PartnerQuantity surveying and construction consulting services for development and construction loan assessments.
• M3 (Property Services)supportingImplementation/ SI/ Consulting PartnerProperty services provider supporting loan assessment and valuation processes.
• PEKsupportingImplementation/ SI/ Consulting PartnerProfessional services firm providing consulting support for CCG operations.
• Pitcher PartnerssupportingImplementation/ SI/ Consulting PartnerAccounting and advisory services for investor and borrower financial assessments.
• GVS PropertysupportingImplementation/ SI/ Consulting PartnerProperty consultancy services supporting loan security assessments.
• JPM ValuerssupportingImplementation/ SI/ Consulting PartnerProperty valuation services for security assessment and LVR calculations.
• RCI Asset ManagementsupportingImplementation/ SI/ Consulting PartnerAsset management services provider in CCG's partner network.
• Diamonds Property Consultancy and ValuationssupportingImplementation/ SI/ Consulting PartnerProperty consultancy and valuation services for loan security assessment.
• Egan NewsupportingImplementation/ SI/ Consulting PartnerLegal services provider in CCG's service provider network.
• David LawyerssupportingImplementation/ SI/ Consulting PartnerLegal services provider for transaction support.
• Currie & BrownsupportingImplementation/ SI/ Consulting PartnerCost management and quantity surveying services for development projects.
• Asset Valuations GroupsupportingImplementation/ SI/ Consulting PartnerProperty valuation services for security assessment.
• Napier and BlakeleysupportingImplementation/ SI/ Consulting PartnerQuantity surveying and construction consulting services.
• McLean Gladstone ValuerssupportingImplementation/ SI/ Consulting PartnerProperty valuation services for loan security assessments.
• HBG2supportingImplementation/ SI/ Consulting PartnerConstruction and property consultancy services in CCG's partner network.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Brighten Australia: Australian non-bank lender specialising in home loans for self-employed borrowers and SMSF lending. Comparable in niche non-bank positioning and SMSF focus.
• WLTH (formerly Wealthiled): Australian private credit investment platform connecting wholesale investors with property-secured lending opportunities. Closely comparable to CCG's private credit investment offering, though with a more fintech-led positioning.

Direct peers

• Firstmac: Large Australian non-bank lender and RMBS issuer offering residential mortgages, asset finance, and private credit investments. Comparable in product breadth and investor-funded loan book structure.
• Pepper Money: Australian and UK non-bank lender specialising in prime, near-prime and specialist residential and commercial mortgages. Comparable product mix, distribution via brokers, and investor capital base.
• Resimac: Australian non-bank lender offering residential and commercial mortgage products, securitisation, and private credit investments. Directly comparable to CCG as both operate non-bank prime and non-conforming lending with investor-funded models.
• La Trobe Financial: Major Australian private credit asset manager and non-bank lender. Offers wholesale mortgage funds and direct lending across residential and commercial real estate, closely matching CCG's integrated lend-and-invest platform model.
• Homeloans Ltd: ASX-listed Australian non-bank residential mortgage lender distributing through broker networks. Comparable in broker-led origination, residential focus, and non-bank positioning.
• Liberty Financial: Australian non-bank lender offering residential mortgages, investment loans, and self-employed/non-conforming products. Comparable product mix and broker distribution model.

Broad incumbents

• Adelaide Bank: Australian specialist bank (Bendigo and Adelaide Bank Group) offering residential and commercial mortgages with strong broker distribution. Comparable broker-led mortgage origination focus.
• Aussie Home Loans: Large Australian mortgage broker and non-bank lender (owned by Lendi Group). Broader retail mortgage distribution scale than CCG, but overlapping broker channel and non-bank product suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ccg_tweet

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Connect Group