ListReady

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.

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

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

• Property listing funding
• Real estate lending
• Deferred payment loans
• Vendor marketing finance
• Pre-sale property loans

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core 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

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad 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

• Facebookfacebook.com/listready.team
• LinkedInlinkedin.com/company/listready

Revenue estimate

Valuation estimate

Number of profiles

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 ListReady