E2EFi Platforms is operated under licence by integratedPRIVATE Pty Ltd. 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 including E2EFi Platforms.

• Foundation Partner at NEXTDC B2 Brisbane
• Australian Registered Private Company ACN 620 074 740
• Chartered Accountants Practicing Certificate from the Institute of Chartered Accountants

integratedCAPITAL uses WebVOI, a verification of identity (VOI) service provided by InfoTrack. WebVOI employs technology driven validation such as facial recognition and Document Verification Service (DVS) to confirm identity. Completing a WebVOI takes 3 easy steps and can be done remotely from anywhere with an internet connection.

If you are interested in becoming a borrower, please refer to our Private Lending Guidelines for more information.

We assess applications for business and investment purposes such as property developments and ventures. We do not offer any funding which is required to be regulated under the National Consumer Credit Protection act.

We evaluate all borrowers to establish creditworthiness. This may include credit inquiries or searches of the borrower or any of their associated entities.

The type of facilities on offer are senior debt finance up to $50 million per facility (additional funding considered on a case by case basis). All loans are secured by 1st registered mortgage over property. We offer funding for the following approved purposes.

• Development Finance
• Residual Stock Finance
• Land LOC (Line of Credit)

Borrowers incur the costs associated with arranging and managing their first loan. This includes lender fees, licensing and other professional fees such as legal or certification costs. For subsequent loans, these costs can be reduced to zero using our loyalty rewards and points system.

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:

• Company name
• Property address
• Finance Synopsis
• Feasibility study or business case
• Breakdown of proposed funding requirements

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.

Your interest rate will be determined on a risk assessed basis. It will typically be aligned with our Private Lending Guidelines and product term sheets.

Once you have accepted the conditional letter of offer, the details of your loan will be shared with service providers such as lawyers and engineers as well as prospective lenders.

As a borrower, you are welcome to use your finance broker, accountant, solicitor or consultant to prepare and lodge a loan application. Any costs associated with the application process will remain the responsibility of the borrower. You can elect to have these disbursed when the loan settles.

If the loan is not repaid within the term, an event of default occurs. This attracts the higher interest rate specified in your loan documents. Prior to this, you may apply for an extension to the term. However, fees and charges may apply. Please be aware of your obligations under the terms of all facility documentation.

You may pay your loan back at any time. Some facilities may include minimum interest charges or may be renewed on an ongoing basis but in general, we encourage borrowers to return funds as soon as they are able.

Your initial payment deposit is credited to your loan account and used to cover due diligence and loan preparation costs. Transaction costs incurred once the loan has commenced are charged to your loan account to be repaid with the rest of the balance. For subsequent loans, these costs can be reduced to zero using our loyalty rewards and points system.

We need to know the lender, the name of the lending entity and the bank account from which funds will be transferred when loans are funded. Your funds never leave your account unless you authorise the transfer, you are completely in control of your funds.

$2 million is generally the minimum loan size. Applications for smaller loans unless they are part of an ongoing arrangement.

Yes. Once facility documents have been signed, you are obliged to provide funds in accordance with the terms they contain.

We offer the following facilities and dispersement will vary depending on the product type. Some facilities are drawn down progressively throughout the duration of the approved purpose (e.g. Development Finance) while others are fully disbursed at settlement (e.g. Residual Stock Finance). Please refer to our product term sheets for more information.

• Development Finance
• Residual Stock Finance
• Land LOC (Line of Credit)

Interest is capitalised, meaning there are no regular interest repayments. Both interest and principal accumulate within the facility limit and are repaid using revenue from the borrower's project. The borrower is generally obliged to apply revenue to the repayment of their loan.

Senior debt is serviced as the highest priority and can usually be readily recovered. However, as a sophisticated investor, lenders should be aware that loss of capital is always a risk. Lenders must be satisfied with the representations and warranties made by the borrower before they agree to provide a loan.

If a borrower fails to repay their loan during the term, an event of default will occur. This attracts the higher interest rate specified in your loan documents. Borrowers may apply for an extension to the term, in which case the terms of the original agreement will expire and a new one will be negotiated. If an event of default is not remedied, you are granted the right to seek repayment of the loan by controlling the mortgaged property or other assets of the borrower.

As a funder you should allocate your capital to as many loan projects as possible, creating a diversified portfolio.

In our absence, the loan documents and mortgage which secure your funds will remain. Your loan is still on foot and the rights and obligations of the parties do not change. Administration of the loan will need to be agreed upon between you and the borrower.

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.