ListReady
ListReady is an Australian consumer lending product that provides property sellers with up to $20,000 to cover pre-sale listing expenses such as marketing, styling, photography, and auction fees, repayable at property settlement or within four months at a 2.4% monthly fee. It operates as a trading name under Oxygen Lending Services and is distributed primarily through real estate agent referrals.
- Company typePrivate
- Founded2009
- HeadquartersSydney, Australia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What ListReady does
ListReady is an Australian consumer lending product that provides property sellers with up to $20,000 to cover pre-sale listing expenses, including marketing on portals such as domain.com.au and realestate.com.au, styling and staging, professional photography, floorplans, building inspections, and auction fees. The product is operated by ListReady Operations Pty Ltd (ACN 655 169 752) and is funded and credit-licensed through Oxygen Lending Services Pty Ltd (ACN 618 760 222, Australian Credit License 498349), with the ListReady Operations entity registered as an Authorised Credit Representative (number 556104). The service is offered exclusively to Australian residents and is positioned as a deferred-payment facility rather than a traditional loan: borrowers pay nothing upfront, the approved funds are disbursed directly to their real estate agent, and repayment is due at property settlement or within four months of the contract start date, whichever occurs first.
The business model is usage-based: a flat 2.4% monthly fee is applied to the funded loan amount, accruing monthly and added to the account balance. This is a short-duration, high-yield-per-month product economics with a hard four-month cap (extendable to a six-month fortnightly plan or settlement extension if the property is under unconditional contract). The go-to-market is direct-to-consumer via a digital application on the Oxygen platform, but customer acquisition is driven primarily by real estate agent referrals — the website explicitly invites agents to refer vendors, and the disbursement flows directly to the listing agent, structurally embedding the product into the listing workflow. The firm is small (11–50 employees), single-product, and single-geography (Australia only), and operates as a trading name within the Oxygen/MoneyMe group, with a visible cross-sell path to MoneyMe's renovation funding product.
No proprietary technology platform, AI/ML capabilities, patents, awards, or funding rounds are disclosed. The product is operationally a thin branded layer over Oxygen's credit and compliance infrastructure, with differentiation resting on the agent-referral distribution channel, the deferred-repayment structure tied to property settlement, and the convenience of direct-to-agent disbursement.
ListReady firmographics
Firmographics- Name
- ListReady
- Legal name
- ListReady Operations Pty Ltd ACN 655 169 752
- Website
- https://list-ready.com.au
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ListReady is an Australian consumer lending product that provides property sellers with up to $20,000 to cover pre-sale listing expenses such as marketing, styling, photography, and auction fees, repayable at property settlement or within four months at a 2.4% monthly fee. It operates as a trading name under Oxygen Lending Services and is distributed primarily through real estate agent referrals.
- Ownership category
- akta.pro rank
ListReady industry classification
Industry- Product category
- Consumer Lending (Real Estate Pre-Sale Financing)
- NAICS
- Sales Financing (52222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Short-Term Loan Servicing & Collections (Payday/Title) (FSAKAMAO)
- akta.pro secondary industry
- Check Cashing with Deferred Presentment (FSAKAMAL)
Keywords
Where ListReady is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
ListReady business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Monthly Fee on Loan Amount: ListReady generates revenue through a monthly fee of 2.4% applied to the loan amount. This fee accrues monthly and is added to the account balance. Repayment occurs either when the property settles or within 4 months of the contract start date, whichever comes first. This represents a usage/time-based revenue model tied to the duration of the loan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Access up to $20,000 for property listing expenses with a flat 2.4% monthly fee |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
ListReady product offering
Product offeringCore offering
ListReady is a deferred payment lending product for Australian property sellers that provides up to $20,000 to cover pre-sale listing expenses such as marketing (domain.com.au, realestate.com.au), styling and staging, professional photography, floorplans, building inspections, and auction fees. Funds are paid directly to the seller's real estate agent next business day after approval, with a 2.4% monthly fee on the loan amount and repayment due at property settlement or within 4 months, whichever comes first.
Product overview
ListReady is a single core product offering — a property preparation funding service that provides Australian property sellers with up to $20,000 to cover listing and marketing expenses. The product is structured as a deferred payment loan where borrowers pay nothing upfront and repay the balance (plus a 2.4% monthly fee) only when their property sells, within a maximum 4-month term. ListReady pays the real estate agent directly for approved expenses including marketing (domain.com.au, realestate.com.au), styling/staging, photography, floorplans, building inspections, and auction fees.
Differentiator
Problem solved
Functional benefit
Products and services
- ListReady Property Preparation Funding A deferred payment loan product that provides Australian property sellers with up to $20,000 to cover pre-sale listing expenses including marketing on portals such as domain.com.au and realestate.com.au, copywriting, signboards, flyers, banners, flags, professional styling and staging, building inspection, professional photography, professional floorplan drawings, and auction fees (auctioneer and auction space). Funds are paid directly to the seller's real estate agent, with a 2.4% monthly fee on the loan amount and repayment due at property settlement or within 4 months, whichever comes first. The product is offered to Australian residents aged 18 or older with a minimum credit score of 650, no bankruptcies, defaults, judgements, writs, or summons, and a signed real estate agency agreement outlining marketing spend.
Quantifiable outcome
- Funds paid to agent next business day after approval
Companies that use ListReady
Customer profileSegments1 record
Ideal customer profiles1 record
ListReady technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ListReady partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights3 records
ListReady competitors and assessment
Company assessmentBroad incumbents
- Zip Co: Major Australian-listed BNPL with much broader product range and capital base. Adjacent to ListReady on the deferred-payment dimension and a credible competitor if it pushes deeper into service-category financing.
- Latitude Financial: Large Australian consumer finance provider (cards, personal loans, motor finance). Overlaps with ListReady on personal credit and could easily build a property-preparation SKU leveraging its existing credit license and merchant network.
- Plenti: Australian marketplace lender offering automotive, renewable energy, and personal loans. Not a property-prep lender, but operates in the same consumer credit category with established origination and capital-markets infrastructure that could be redirected into a ListReady-style product.
- humm: BNPL provider for larger-ticket retail and services. Operates in an adjacent deferred-payment space with established point-of-sale integrations that could be redirected to real estate marketing and staging vendors.
- Openpay: Australian BNPL provider for larger-ticket services. Operates in an adjacent deferred-payment category and could readily expand into property preparation financing, posing a competitive threat on payment flexibility and merchant/agent integrations.
- SocietyOne: Australian personal-loan marketplace. Same regulatory and customer profile as ListReady's borrower base; not vertically focused on property prep, but competes for the same short-term credit demand.
Direct peers
- Nimble: Australian short-term/personal loan provider with a similar fee-based, deferred-repayment structure to ListReady. Comparable in customer profile (cash-flow-constrained borrowers) and regulatory exposure (responsible-lending obligations).
- MoneyMe: Australian digital consumer lender already linked to ListReady via an affiliated Renovation Funding offer. Targets the same property-vendor customer with pre-sale financing, making it the most direct product peer and a credible substitute at the agent-referral point.
- Cash Converters: Long-standing Australian short-term consumer lender offering small personal loans with similar fee mechanics. Comparable in regulatory category, customer base, and small-ticket loan sizing.
- Wallet Wizard: Australian short-term installment lender with similar monthly-fee structures and small loan amounts. Direct overlap with ListReady's fee-based, short-duration credit mechanic.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
ListReady social profiles
Digital presenceListReady financial estimates
Financial estimateRevenue estimate
Valuation estimate
ListReady leadership team
Management profileNumber of profiles
ListReady funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ListReady M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ListReady
What does ListReady do?
ListReady is a deferred payment lending product for Australian property sellers that provides up to $20,000 to cover pre-sale listing expenses such as marketing (domain.com.au, realestate.com.au), styling and staging, professional photography, floorplans, building inspections, and auction fees. Funds are paid directly to the seller's real estate agent next business day after approval, with a 2.4% monthly fee on the loan amount and repayment due at property settlement or within 4 months, whichever comes first.
Is ListReady a public or private company?
ListReady is a private company. It is classified as corporate owned and is currently operating.
When was ListReady founded?
ListReady was founded in 2009. It employs 11 to 50 people.
Where is ListReady based?
ListReady is headquartered in Sydney, Australia, in the Oceania region.
How does ListReady make money?
One revenue line is on record: monthly Fee on Loan Amount.
Who are ListReady's main competitors?
Broad incumbents on record are Zip Co, Latitude Financial, Plenti, humm, Openpay and SocietyOne. Direct peers are Nimble, MoneyMe, Cash Converters and Wallet Wizard.
Does ListReady have an API?
No public API is recorded for ListReady.
What industry is ListReady in?
ListReady's product category is Consumer Lending (Real Estate Pre-Sale Financing). Its primary akta.pro industry code is FSAKAMAO, Short-Term Loan Servicing & Collections (Payday/Title), with a secondary code of FSAKAMAL, Check Cashing with Deferred Presentment. Its NAICS code is 52222 and its SIC code is 6163.