Investor eligibility

To invest through Bigstone, you must be a 'wholesale client' under the Corporations Act 2001.

You are a wholesale client if you pass one of the tests set out below.

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.

When considering whether you pass this test, you should include the net assets or gross income of each company or trust (including SMSFs) that you control. Similarly, if you are eligible to be a wholesale client, then a company or trust (including SMSF) that you control is also a wholesale client.

Your accountant must provide us with a certificate confirming that you meet either of the above tests.  

Our template accountant’s certificate is available here and must be dated within the last 2 years.

Professional investors

This exemption largely covers large institutional and specialised investment organisations.

You are a professional investor if you are:

  • a financial services licensee;
  • person or company that controls at least $10 million;
  • a listed company or related body corporate;
  • an exempt public authority;
  • a body regulated by APRA other than a trustee of a superannuation product;
  • a body registered under the Financial Corporations Act 1974
    • a trustee of a superannuation fund, approved deposit fund, pooled superannuation trust, or public sector superannuation scheme, that control at least $10 million;
  • a  body that carries on an investment business that is offered to the public
  • a foreign entity that would meet one of these requirements had it been established in Australia. 

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.

How can we help?

Can I choose the loans I invest in?

Yes. Unlike many other ‘peer-to-peer’ marketplaces, Bigstone empowers you to pick and choose, in real-time, the loan requests that you want to allocate your funds to. You can filter by risk grade, interest rate, loan term, loan amount, and other criteria. This gives you flexibility in your investment. We believe that helping you to make your own decisions is the best way to get you the best returns and to get borrowers the best rates.

Risk grades are determined using our proprietary risk assessment approach. Once we have completed our credit assessment, we will apply our objective criteria to either reject the loan application if we consider the risk to be unacceptable, or progress the application to a loan request with an interest rate that reflects the borrower’s creditworthiness. Borrowers are graded and riskier applicants are assigned higher interest rates, while those with the lowest risk will get lower interest rates.

Based on an investor placing capital on every loan listed to date, we have been able to deliver a net return average of 13.6% p.a. Curious about how this is possible?

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