Earn 9% net p.a.

Join us on the mission to improve access to business finance through marketplace lending
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Earn consistent returns from one of the world's oldest asset classes: approved commercial lending

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Attractive returns

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Added security of a provision fund

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We invest in every loan with you

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Automated funding or manual fund allocation

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Australian-based customer service

How it works

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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.

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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.

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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.

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Investing in Australian business

For years, banks have kept the commercial loan market to themselves. Commercial business loans are one of the banks most profitable lending divisions, often backed by securities giving greater protection on invested capital. 

Bigstone is making this asset class available to you so you can make returns while supporting Australian SMEs.

All returns are before losses and we recommend diversifying across a variety of loans.

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.

We co-invest with you

We fund the first 5% of every single loan. We think about it as putting our "skin in the game" alongside our investors.

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.

The Bigstone marketplace is open to investors who are 'wholesale clients' under the Corporations Act. We are required to verify that each investor is a 'wholesale client'.

The minimum investment in the Bigstone Loan Fund is $1,000.

Once invested, you can allocate your funds to a Loan Request in increments of $10.

When you invest in the Bigstone Loan Fund, you can choose between two simple options:

Pooled

Under the pooled option, Bigstone automatically invests your funds across every new loan that is made from the time you invest your funds, with the limitations agreed with you (if any). This option provides diversification of your investment across multiple loans.

Bigstone will allocate 5% of your total investment to each loan request (to a maximum of 10% of the loan request) that is listed on the Bigstone Loan Marketplace after you select the pooled option.

Bigstone will automatically re-invest repayments that you receive on the same basis (in tranches of a maximum of 5% of your total invested funds), unless you elect to opt out of reinvesting repayments.

Your investment will only be in new loans made since you select the pooled option (until your funds are all allocated), and your risk and returns will be from those loans only.

In the event that there are more funds ready to be allocated under the pooled option than there are available Loans, the available funds will be deployed proportionately, as assessed by Bigstone Lending in its discretion.

Pro

Under the Pro option, you can individually select the loan requests that you wish to fund.

You can filter by loan term, Loan amount, geography, available security, and other criteria. This gives you flexibility in your investment(s), and allows you to select more loans that you prefer (e.g. to Borrowers in a certain area) or avoid Loans you don’t want to invest in (e.g. to borrowers in certain industries).

Like every investment there are a number of risks that may lead you to lose some or all of your investment. It is important that you read and understand each of the risks set out in the Information Memorandum before you invest. You may also wish to read the guidance on the risks of marketplace lending on ASIC’s MoneySmart website.

Borrowers may miss a payment for a variety of reasons. For every account in arrears, Bigstone Capital will take a prescribed set of actions to encourage the Borrower to return the account to good standing.

Please download the Information Memorandum for further details.

You can get in touch with us by calling 1800 244 786, emailing info@bigstone.com.au or using the chat button on the right-hand side of your device.

Or, download our Investment Memorandum.

Ready to invest with Bigstone?

Get started with our easy online application.