Secured funding investments

Join us on the mission to improve access to business finance through marketplace lending

Earn consistent returns from one of the world’s oldest asset classes: approved commercial lending

Attractive returns

Added security of a provision fund

We invest in every loan with you

Automated funding or manual fund allocation

Friendly & knowledgeable customer service

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.

Download our sophisticated investor certificate here.

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. Download our professional investor declaration here.

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.

How it works


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. Earn strong yield returns through diversified portfolio funding.

View our customer reviews


Frequently asked questions

Who can invest?

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’.

Is there a minimum investment amount?

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.

Are there risks in investing?

Like every investment there are a number of risks that may lead you to lose some or all of your investment. You may also wish to read the guidance on the risks of marketplace lending on ASIC’s MoneySmart website.

What happens if a borrower defaults on a loan?

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.

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You can get in touch with us by calling (02) 8205 7777, emailing or using the chat button on the right-hand side of your device.