What Jadig Finance does

Jadig Finance is a family-office-backed boutique private property lender headquartered in South Yarra, Victoria, with a secondary office in Surfers Paradise, Queensland. Established in 2010 by the Gringlas family (building on the 1977-founded Jadig Holdings), the company holds Australian Financial Services Licence No. 523829 and operates as a direct lender with no middlemen. Its core products comprise Senior Debt, Senior Development Finance, and Mezzanine Debt — typically sized from AUD 2 million to AUD 20 million and secured against Australian real property — alongside the Simple Property Loans sub-brand for sub-AUD 3 million, low-document, short-term (6–24 month) loans. Cumulative lending exceeds AUD 479 million, with a managed book of approximately AUD 200 million across roughly 100 transactions. Capital is sourced from the family balance sheet and a tight network of high-net-worth wholesale investors, channelled through the Jadig Finance Senior Debt Fund and ad-hoc debt opportunities.

The company serves three primary segments: small-to-mid-tier Australian property developers (the core customer, focused on residential, industrial, commercial, and specialty assets including childcare, caravan parks, hotels and retirement villages), SMB developers and property investors reached through the Simple Property Loans broker channel, and HNW wholesale investors seeking exposure to first-ranking mortgages. GTM is hybrid: direct enterprise field sales led by Managing Director Adam Gringlas for the $2m–$20m segment, supplemented by a broker referral network (including relationships with finance brokers working across 1,000+ brokers nationally) and content/insights marketing. Pricing is bespoke and deal-by-deal for larger loans, with a single fixed headline rate disclosed for Simple Property Loans; revenue is generated via interest income across the loan portfolio.

Jadig operates with a small team of approximately 10 people and explicitly rejects a technology-platform model in favour of site visits, face-to-face engagement, and bespoke structuring. The business has no proprietary technology stack, no integrations, no mobile applications, and no disclosed AI/ML capability. Recent strategic direction has emphasised geographic diversification beyond Melbourne into Brisbane, the Gold Coast, Sunshine Coast, New South Wales and Tasmania, and the 2022 launch of Simple Property Loans to broaden the addressable customer base toward brokers and smaller borrowers.

Name

Jadig Finance

Legal name

Jadig Finance

Website

https://jadigfinance.com.au

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Jadig Finance is a family-office-backed Australian boutique private property lender offering senior debt, development finance, mezzanine debt, and sub-AUD 3m low-document loans to small and mid-tier property developers across Melbourne and other Australian state capitals.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

akta.pro secondary industries

Middle-Market Lending (FSANADAI), Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Property development finance
• Commercial property loans
• Private credit lending
• Senior debt facilities
• Mezzanine debt financing

Headquarters

HQ city

South Yarra

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Senior Debt: Senior debt facilities for land acquisition, pre-development holding, residual stock, investment, bridging or debt consolidation. Loan covenants less restrictive than bank covenants, ability to capitalise interest over loan term.
2. Interest Income from Senior Development Finance: Construction debt for multi-dwelling residential and commercial projects. No fixed pre-sale hurdle required. Progress payments on cost-to-complete basis upon quantity surveyor certification.
3. Interest Income from Mezzanine Debt: Mezzanine debt for property acquisition, development or debt consolidation. Secured by second ranking mortgage, subordinated by mainstream lender.
4. Interest Income from Simple Property Loans: Sub-$3m low-document loans for short-term (6-24 months) business purposes, secured by property. Investors provide funds and earn regular interest payments. Fixed rate product.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Jadig Finance is a direct private credit lender that funds Australian property developers with bespoke senior debt, senior development finance, and mezzanine debt facilities, typically in the $2 to $20 million range across Melbourne and other state capitals. The company also originates sub-$3 million short-term low-document bridging and business-purpose property loans through its Simple Property Loans sub-brand, and accepts wholesale investor capital into the Jadig Finance Senior Debt Fund (minimum $500,000) for deployment into first-mortgage senior debt.

Product overview

Jadig Finance is a family-office-backed private property lender offering a suite of lending products. The core offering consists of three main financing products: Senior Debt (for land acquisition, pre-development holding, and residual stock), Senior Development Finance (construction debt for residential and commercial projects), and Mezzanine Debt (subordinated financing for acquisition and development). These are complemented by Simple Property Loans, a sub-brand targeting the sub-$3 million low-documentation market for short-term bridging and business-purpose property loans. For investors, Jadig operates the Senior Debt Fund (minimum $500,000) and offers ad-hoc debt opportunities. The company focuses on the sub-$20 million commercial real estate debt market in Melbourne and Australia's other state capitals, with lending typically ranging from $2 million to $20 million.

Differentiator

Problem solved

Functional benefit

Brands

• Simple Property Loans: A low-document lending arm offering sub-$3m short-term (6-24 month) non-construction property loans for business purposes, secured by first mortgages. Designed for brokers with simple online application process, no minimum terms, no break fees, and fixed interest rates.

Products and services

• Senior Debt
• Senior Development Finance
• Mezzanine Debt
• Simple Property Loans
• Jadig Finance Senior Debt Fund
• Ad-hoc Debt Opportunities

Quantifiable outcome

• $479 million+ in total lending completed with unblemished track record
• +3 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and major.

• CornwallscoreImplementation/ SI/ Consulting PartnerOne of Australia's oldest and most respected legal practices serving as Jadig's legal advisor on all banking and finance matters for over 10 years. Worked with both Jack Gringlas initially and now Adam Gringlas and his team. Nick Amore, Partner at Cornwalls, is described as Jadig's trusted legal advisor who provides oversight and risk mitigation across all matters with strategic focus on achieving commercial objectives alongside legal compliance.
• Grant Rheuben (Finance Broker)coreChannel Partner/ Reseller/ DistributorFinance broker and chartered accountant with 20 years experience working with over 1000 brokers throughout Australia. Described as a trusted Jadig development partner who has worked on major transactions including Atrium on Phillip Island. Also serves as consultant for Simple Property Loans, helping improve the industry with a product that is less expensive and cuts out red tape. Represents Jadig to the broker network as a trusted source with solution-driven approach.
• Stamford CapitalmajorChannel Partner/ Reseller/ DistributorReputable finance broker who introduced Taylor Malvern East project to Jadig. Has introduced successful transactions over the years. Represents Jadig's broker referral network model for sourcing quality development deals.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Resimac: Australian non-bank prime and specialist residential mortgage lender, including SMSF and non-conforming loans. Comparable as a non-bank property lender with wholesale funding; less aligned with Jadig's development-finance focus but overlapping target segments.
• La Trobe Financial: Australia's largest non-bank lender and credit fund manager, operating the La Trobe Australian Credit Fund with multi-billion AUM. Directly comparable as a private credit and property-backed lender in Australia, but at substantially greater scale than Jadig.
• Pepper Money: Specialist non-bank lender in Australia and globally, providing residential and commercial property loans, asset finance and unsecured lending. Comparable as a non-bank property credit provider, though far larger and more diversified than Jadig.
• Firstmac: Large Australian non-bank mortgage and asset finance lender with a wholesale investor fund model (Firstmac Mortgage Fund). Comparable in product structure (property-backed lending funded partly by wholesale investors) but materially larger and broader in scope than Jadig.

Emerging players

• Prospa: Australian online small business lender providing working capital and small business loans. Tangentially comparable as a non-bank SMB lender in Australia; not a property-development lender but overlaps in the alternative SMB credit segment that Simple Property Loans addresses.
• Mortgage Ezy: Australian non-bank specialist lender focused on near-prime and non-conforming home loans. Smaller and more consumer-focused than Jadig, but overlaps as a non-bank property lender targeting borrowers outside traditional bank criteria.
• Plenti (formerly RateSetter Australia): Australian fintech lender offering asset finance, renewable energy and automotive loans. Comparable as an alternative non-bank credit provider in Australia, though the asset focus is broader and less property-development-centric than Jadig.

Regional players

• Alex Bank: Australian challenger bank offering home loans, savings and SMSF lending. Less comparable on product but competes in the broader Australian non-bank / challenger lending landscape for property-backed credit.

Direct peers

• Thinktank: Australian non-bank specialist commercial property lender targeting self-employed and SME borrowers with $250k-$5m loans. Directly comparable to Jadig in deal-size range, property-backed credit focus and relationship-based underwriting model.
• RedZed Lending Solutions: Australian non-bank lender focused on residential property-backed loans to borrowers who don't fit traditional bank criteria, including self-employed and property developers. Closely comparable product set to Jadig's Simple Property Loans and senior debt in the sub-$3m to mid-market space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/jadigfinance
• LinkedInlinkedin.com/company/jadig-finance
• Instagraminstagram.com/jadigfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Jadig Finance