What Vado Private does

Vado Private Pty Limited is an Australian private credit investment manager founded in 2017 and headquartered at Level 44, 264-278 George Street, Sydney. The company originates first and second mortgage loans secured by registered mortgages over Australian real estate — including construction loans, bridging loans, residual stock loans and a second mortgage facility — and distributes these exposures to wholesale investors through both deal-by-deal trusts (e.g., Vado Private NSW Investment Trust) and pooled vehicles (Vado Secured Credit Fund). It holds Australian Financial Services Licence (AFSL 526189) and operates under ASIC oversight, serving wholesale clients only.

The business runs a two-sided model. On the borrower side, it targets property developers, investors and SMSFs needing flexible, speed-driven finance outside the constraints of major banks, with stated term-sheet turnaround of 24-48 hours, LVRs typically 50-70% (weighted average 59%) and average ticket sizes of $1M-$10M for construction lending. On the investor side, it serves HNW individuals, family offices and SMSFs seeking real-estate-backed yield, with target returns of 8-12% p.a. Distribution to borrowers is driven by a mortgage broker referral network with a dedicated Head of Broker Distribution and online deal submission; investor acquisition is through direct relationships, content marketing, an investor portal (portal.gxe.com) and partnerships such as the SMSF Association of Australia.

Vado Private earns revenue from two streams: interest spread on originated loans (borrower rates of 9-10% on first mortgages and 13-18% on second mortgages, against investor returns of 8-12%) and fund management fees of 1-1.5% on invested capital, alongside commitment, line and application fees. The company reports cumulative capital deployed of over $644M across 300+ transactions since inception, a 10.09% average investor IRR as at 30 June 2025, 100% capital returned to investors and zero investor losses to date. No proprietary technology platform is disclosed; the operating model is a traditional, expertise-led private credit manager rather than a tech-enabled lender.

Name

Vado Private

Legal name

Vado Private Pty Limited

Website

https://vadoprivate.com.au

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Private Credit Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Funds, Trusts, and Other Financial Vehicles (525)

SIC

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

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industries

Middle-Market Lending (FSANADAI), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Private credit lending
• Real estate secured loans
• Construction finance
• Mortgage investment funds
• Wholesale investment management

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Vado Private earns interest income from the mortgages and loans they originate and fund. Loans are secured by first-ranking registered mortgages over Australian real estate, generating contractual interest payments from borrowers over loan terms typically ranging from 3-36 months.
2. Fund Management Fees: The company charges management fees to investors participating in their mortgage funds. Fee structures include commitment fees, line fees, and application fees as outlined in their term sheets. Management fees are typically 1% to 1.5% of invested capital.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Vado Private originates and funds real-estate-backed loans (first and second mortgages, construction loans, bridging loans, residual stock loans) for Australian property developers and borrowers, secured by registered mortgages over Australian property. For wholesale investors, it manages the Vado Secured Credit Fund and the Vado Private NSW Investment Trust, deploying capital into curated, first-mortgage-secured loans targeting 8-12% p.a. net returns.

Product overview

Vado Private operates as a specialized private lending and investment management platform offering a portfolio of real-estate-backed credit products. The core offering comprises private lending services including first and second mortgage loans, construction loans, bridging loans, and residual stock loans for borrowers seeking flexible financing beyond traditional banking. For investors, Vado Private manages the Vado Secured Credit Fund and Vado Private NSW Investment Trust, providing wholesale investors access to curated real-estate-backed loan opportunities targeting 8-12% p.a. returns. All lending products are secured by Australian property assets with conservative LVRs, and investor capital is deployed across specific loan transactions with full transparency.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Lending Services Real-estate-backed private lending comprising first and second mortgage loans for wholesale borrowers seeking flexible financing solutions beyond traditional bank lending, secured by registered mortgages over Australian real estate.
• Construction Loans Specialised construction financing for residential property developments, offering progressive drawdown facilities secured against property assets with LVRs up to 70% for metropolitan residential projects.
• Bridging Loans Short-term financing solutions enabling property purchases before existing properties are sold, typically repaid within 12 months with exit strategy reliant on asset sales.
• Residual Stock Loans Financing for developers with completed projects containing unsold units, providing cash flow bridge until units are sold, with typical LVRs of 60-70% and loan terms of 6-24 months.
• Second Mortgage Facility Subordinated mortgage lending offering up to $1 million with LVRs up to 70%, loan terms up to 3 years, and no serviceability test or income declaration required for qualifying borrowers.
• Vado Secured Credit Fund Wholesale investor fund providing access to a curated real-estate-backed loan portfolio targeting 8-12% p.a. net returns, managed by Vado Private with first-mortgage security and active loan management.
• Vado Private NSW Investment Trust Specific investment trust providing investor access to individual loan transactions within the NSW portfolio, with target returns and IRR targets disclosed for each deal.

Quantifiable outcome

• Over $644 million in loans funded since 2017
• +4 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• SMSF Association of AustraliacoreStrategic or Co-development PartnerVado Private is accepted as a Partner with the SMSF Association of Australia, the peak professional body representing the SMSF sector. The partnership involves collaboration on educational content including webinars, editorials, articles, EDMs, seminars, presentations, and meetings. Both organizations share strong alignment in values including morals, ethics, integrity, and transparency, and a genuine desire to educate and support SMSFs throughout their investment journey.
• Haymarket Chamber of CommerceminorGTM or Marketing PartnerVado Private is a member of the Haymarket Chamber of Commerce, a diverse and multicultural business association supporting local businesses, fostering community engagement, and promoting collaboration across industries. The partnership involves contributing to the Haymarket network, supporting initiatives, building meaningful connections, and engaging with the diverse business community.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Resimac: Australian non-bank lender providing residential mortgage products including prime, near-prime, and specialist lending through broker networks. Comparable as a non-bank mortgage originator serving similar borrower segments via broker distribution.
• La Trobe Financial: One of Australia's largest non-bank lenders and investment managers offering real estate-secured credit products to wholesale and retail investors. Directly comparable to Vado Private as a fellow private credit manager targeting similar investor and borrower segments with property-backed loan offerings.
• Firstmac: Large Australian non-bank lender and RMBS issuer active in residential mortgage origination through broker channels. Comparable as a non-bank lender serving similar borrowers and investor pools with property-secured credit products.
• Brighten Home Loans: Australian non-bank lender offering residential mortgage products including SMSF loans distributed through brokers. Comparable as a non-bank lender serving similar borrower and SMSF investor segments via broker channels.
• Wingate Group: Australian private credit investment manager focused on real estate-backed lending for property developers and investors, raising capital from wholesale investors. Closely comparable business model, product mix, and target segments as Vado Private.
• Mortgage Ezy: Australian non-bank lender specialising in residential and investment property loans distributed through mortgage brokers. Comparable as a non-bank lender competing for similar borrowers in Vado Private's addressable market.
• Columbus Capital: Australian non-bank lender and wholesale mortgage fund manager offering residential and construction loans funded by wholesale investor capital. Directly comparable to Vado Private's mortgage fund and broker-distributed origination model.
• RedZed Lending Solutions: Australian non-bank lender specialising in residential construction, investment, and SMSF loans funded through wholesale investor networks. Closely comparable to Vado Private's mix of first mortgage construction lending and wholesale investor distribution.

Broad incumbents

• Pepper Money: Larger established Australian non-bank lender with broader product suite including prime, specialist, and SMSF loans distributed via brokers. Comparable in business model and target segments, but operates at greater scale with a wider product set than Vado Private.
• Liberty Financial: Established Australian non-bank lender and investment manager offering residential mortgages, investment loans, and wealth products to retail and wholesale customers. Comparable as a broader incumbent operating in adjacent non-bank lending and investment spaces.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@VadoPrivate
• LinkedInlinkedin.com/company/vado-private

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Vado Private