What is the role of integratedCAPITAL?
integratedCAPITAL is a provider of lending systems, fintech services and funding from some of Australia's Richest 250 Listed Individuals and Family Offices.
We provide approved borrowers access to direct funding not available through traditional lenders and Rich Listed High Net Worth Individuals and Family Offices access to greater returns on their capital.
Our role is to deliver both finance and technology as a complete fintech solution using our E2EFiPLATFORM™.
What is E2EFi™?
What is divisia?
‘divisia’ is a word we use for the state reached by the smallest number of participants necessary to embed internal control into a financial transaction via division of duties. Division of duties is the concept of having more than one person required to complete a task so as to prevent fraud and error and to build trust.
A ‘divisia’ on our system is a consortium of parties to financial transactions who can achieve internal control through agreement of the terms, conditions, roles and tasks necessary to complete those transactions from start to finish.
Our software platform maps and encodes the division of duties inherent within traditional financial transactions into a set of processes to be completed end to end (E2E) to achieve ‘divisia’.
What is the regulatory framework?
integratedCAPITAL AG is a Switzerland based company which owns and licences the integratedCAPITAL systems (Smart Contract Systems, E2EFiPLATFORMS™ and iCAP Points) to complying entities.
integratedCAPITAL Pty Ltd holds a non exclusive licence to use the integratedCAPITAL systems in Australia. The company is regulated by ASIC and other professional bodies under current credit licensing laws.
integratedPRIVATE Pty Ltd (an associated entity) is an infrastructure, network and private cloud hosting provider supplying IT services to support and maintain the integratedCAPITAL systems.
How does integratedCAPITAL make a profit?
Who operates integratedCAPITAL?
What are smart contracts?
What are loyalty rewards and points?
Why do I need to be identified?
How does the identification work?
What are the advantages when borrowing through integratedCAPITAL?
How can I become a borrower at integratedCAPITAL?
Can I take out a loan for any reason?
How does the credit assessment process work?
We evaluate all borrowers to establish creditworthiness. This may include credit inquiries or searches of the borrower or any of their associated entities.
What type of facilities does integratedCAPITAL offer?
What transaction costs and outlays must I pay as a borrower?
Who will finance my loan?
How does the application process work?
Applications are submitted on our Proposals platform. To begin an application, you will need to be registered as a user and then submit the following information:
We match this information with our Product Term Sheets and provide you with a selection of funding options for your application.
If your application submission is acceptable and complies with one of the Term Sheets selected, we will issue a conditional Letter of Offer.
Upon acceptance of this Offer, we will commence due diligence on the information supplied. We may contact you during this time to request additional information.
The Letter of Offer will specify an estimated amount required to cover due diligence and loan preparation costs and will be payable prior to commencement of these activities.
The completion of the application process will result in the issue of facility documents and scheduling of funding and loan origination.
How is my interest rate determined?
What information is shared with third parties?
Can I engage finance professionals to prepare my application?
How do I repay my loan?
What happens if I fail to repay my loan within the term?
Can I pay my loan back early?
Which services are free?
How do I pay transaction costs and outlays?
How can I become a lender at integratedCAPITAL?
Why must I submit bank account details when registering with integratedCAPITAL?
How does integratedCAPITAL manage risk?
Is there a minimum loan size?
Is my commitment to fund a loan binding?
What facilities are offered and are they fully dispersed?
How do I receive interest and capital repayments from borrowers?
Could I lose my capital?
What happens when a borrower fails to make payment or pays late?
How does a high level of diversification affect my earnings?
What happens to my funds in the event integratedCAPITAL no longer exists?
What transaction costs and outlays must I pay as a lender?
Lenders incur zero fees on their capital. All transaction costs and outlays are charged to the loan account of the borrower and repaid with the rest of the loan when finalised.
Please note that for subsequent loans, these borrower costs and outlays can be reduced to zero using our loyalty rewards and points system thereby incentivising loan repayment within term.
What services are free as a lender?
Lenders do not usually incur any share of costs and outlays.Loan agreements are generally worded such that the borrower will absorb all transaction costs and outlays. All services rendered for administration of the loan including legal document preparation and platform licensing are paid by the borrower.
For subsequent loans, these borrowing costs can be reduced to zero using our loyalty rewards and points system.