Attractive returns
Added security of a provision fund
We invest in every loan with you
Automated funding or manual fund allocation
Australian-based customer service
Register
Our online registration process makes it easy for wholesale investors to get started with marketplace lending. This is where you create your account and verify all of your details.
Identify yourself
Fund loans either by mandate (pooled), based on a number of criteria such as industry or location or, pick and choose (pro) which loans you invest in through our Bigstone Loan Marketplace dashboard.
See your returns
As borrowers make their repayments, payments are made automatically to your Bigstone account. The frequency is based on the borrower’s repayment terms. Our current return is net 9% p.a. before any losses.
To invest through Bigstone, you must be a 'wholesale client' under the Corporations Act 2001.
Wealth test - sophisticated investors
This test requires the investor to have:
- net assets of at least $2.5 million or
- a gross income for each of the last two financial years of at least $250,000.
Professional investors
This exemption largely covers large institutional and specialised investment organisations. We will require you to complete a declaration that you are a professional investor, and we will carry out further due diligence to confirm that fact.
Investment size
You will also be a wholesale client if you invest at least $500,000. Please contact us if you wish to qualify under this class.
Large businesses
This category applies if your investment is to be used in connection with a business that employs at least 20 employees - or at least 100 employees if the business is or includes the manufacture of goods.
While no investment is without its risks, the safety and security of our investors’ capital is a top priority.
Provision fund
All investors in Bigstone loans have access to a provision fund equal to 2% of the deployed capital in every loan. This isolated fund acts as a first loss fund for all investors.
We co-invest with you
Bigstone co-invests 1-5% of the loan amount, so that our principal is at risk in each loan with our investors. We think about it as putting our "skin in the game".
Our credit and approval processes have been designed to limit defaults and losses and protect investors’ capital; we target losses less than 2%.
Enhanced diversification
Let the mandate fund portions of all loans or determine your personal preferences when it comes to loan selection.
