In the economic environment in which we currently operate, wonderful opportunities exist for investors with cash, and more than ever we see private lenders being able to take advantage of this situation.

1. WELCOME
GUIDE 2018

2. The Australian major banks are not lending, which in turn is providing
a large pool of quality loan scenarios for private lenders to investigate
and finance.
Given term deposits offered by most institutions are at record lows,
investors are seeking alternative investment options.
Private lending is an option you may care to consider. It offers you
security, monthly cash flow and attractive returns.
As private lenders we are now in the box seat and have a
unique opportunity to achieve good solid returns on our money with
our capital wellsecured. The investing process with our group is
totally transparent.
Our staff have over 50 years of successful lending experience and
wish to share with you some of the outstanding lending
opportunities currently available. These opportunities will be emailed
to you or advertised via our website in a format wherebyyou canhand
pick the loan or loansofyourchoice.
A number of professionals, namely accountants, law firms and current
lenders have provided references for our company and these can
be reviewedonourwebsite.
External consultants, professionals, borrowers and private lenders alike
have praised our site due to its user friendly nature and timely
provision of information. We hope you concur and enjoy the
benefits it offers.
I am sure you will agree our service and offerings are vastly unique,
transparent and different from the ‘sea of sameness’ out there with
other professions.
Happy lending,
CEO
Peter Benson
In the economic
environment in which we
currently operate, wonderful
opportunities exist for
investors with cash, and
more than ever we see
private lenders being able
to take advantage of this
situation.
2.ccg.com.au
FROM THE
DIRECTOR'S
DESK

3. The company lends
both our own or related
party funds to various
borrowers together
with introducing loan
opportunities to members
of our private lenders
network.
Credit Connect Pty Ltd (‘Credit Connect’ or ‘The Company’) is
an Australian limited liability company, incorporated on 17th
August 2006.
The company holds trusted relationships with a significant
number of loan writers and originators across Australia. These
connections have enabled Credit Connect to establish itself as a
dominant player in the private lending market.
Credit Connect’s experience and comprehensive understanding
of private lending is a primary factor in its success.
Our business model involves the company acting as an
intermediary and/or loan facilitator to provide lending clients
access to high returning, well secured investment opportunities
while at the same time assisting borrowers to fund their various
properties or projects.
Borrowers are communicating their dissatisfaction with the
major banks and see our company as playing an important role in
arranging their funding.
Obtaining finance through traditional banks has become
extremely difficult and borrowers are finding the process
laborious and time consuming.
We have seized this opportunity and developed a website
whereby borrowers are able to advertise their specific needs
online.
The borrowers benefit as their finance application can be viewed
by a significant number of private lenders, while our clients benefit
through access to a greater array of diverse investment
opportunities and can choose which loan or loans they wish to
investigate further and fund.
OUR
GROUP
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4. Credit Connect will introduce secure investment
opportunities to you, generating returns in excess of
those offered on traditional investments such as bank
term deposits, without any overheads or hidden fees.
Some of the benefits you will receive are detailed over. à
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5. G
LOAN FILTERING
As you will understand, not all borrower enquiries are suitable or investment grade and therefore many
are simply rejected upon receipt. For those enquiries that appear to have merit, we will investigate
further and only if we believe they are of the highest quality and suitable for our private lenders do
we make them available via our website for consideration.
It is then up to you to determine whether the loan and its terms are suitable for you. We
recommend you seek independent legal and/ or financial advice before making any investment
decision. Credit Connect does not provide legal or financial advice.
DISCUSSION PAPER
Once we receive a loan we think has merit, we will prepare a Discussion Paper that clearly outlines
specifically where your funds are being invested, ie. loan term, property value, locations, who the
borrower is and the return offered to you.
The entire investment process is totally transparent and you will know where your funds have been
invested, providing you with the ability to undertake your own due diligence.
YOUR CAPITAL IS WELL SECURED
Your funds will be secured via a registered mortgage against the borrower’s real property. In the case of
corporate borrowers, guarantees from Directors of the borrowing entity and fixed and floating charges
will also be available providing further security to protect your investment. You will have 100% control of
the loan advance.
PREDICTABLE RETURNS
You negotiate the interest rate you are seeking. Your interest rate is fixed for the term of the loan, and
therefore you know exactly what return you are due to receive.
MONTHLY CASH FLOW
Borrowers are required to pay interest monthly on their loan facilities. Upon receipt of these funds, your
interest will be paid monthly and deposited to your nominated bank account on the tenth day of each
month.
LOAN ADMINISTRATION
Subsequent to the loan being settled, we will manage the loan on your behalf including, but not limited to:
• the collection of monthly interest payments from borrowers, including default management if
necessary;
• the payment of monthly interest payments to you; ensuring the loan is progressing as scheduled;
• ensuring the repayment of the loan advance on or before its scheduled expiration date;
generally liaising with the borrower as and when required.
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6. Investors with cash are in
the best position to take
advantage of the most
attractive of our loan
opportunities. However,
investments can only be
made by sophisticated
and wholesale investors.
WHO CAN
INVEST
This document is provided for the benefit of qualifying
Sophisticated Investors as defined in Corporations Act 2001,
Chapter 6D & 7.9 and any number of professional investors,
which includes certain investment industry professionals and
bodies.
A sophisticated investor is described as follows:
• Those who invest $500,000 or more,
• Those who can provide a certificate from a qualified
accountant confirming that they have net assets of at least
$2.5 million gross income for the past 2 years of at least
$250,000.
Those who receive the lending opportunity offer via a licensed
securities dealer on the basis (which must be confirmed by the
investor) that they are able to assess such an offer.
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7. We suggest you refer to
this list as often as you
can when funding loans.
It will provide a helpful
reference and assist you in
understanding the funding/
documentation process.
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Receive loan opportunities by email or view our online loan
listings, one-by-one.
If you are interested in investigating a specific loan, contact our
office for the Discussion Paper. The discussion paper provides
a general overview of the loan advance.
After reviewing the discussion paper and communicating to us
your continued interest, we will provide a detailed Finance
Proposal to assist with your due diligence investigations. The
finance proposal is a detailed document that will include
information such as property valuations, borrowers
application, credit reference reports, location maps,
property photos, tenancy agreements, accountant letters
etc.
After you have completed your due diligence and wish to
proceed, you confirm your decision and advise the name
you wish to invest under.
We will then prepare and forward to you our Mortgage
Administration Authority (MAA) for your approval and signature.
Upon receipt of the signed MAA, we will engage lawyers to
prepare the mortgage documents and arrange settlement.
When settlement date has been scheduled, you deposit funds
to the lawyer's trust account. At no time do we hold your funds.
Once settlement has been completed lawyers will register the
mortgage.
We will advise once settlement has been completed and
subsequently forward our loan confirmation document which
includes your epitome of mortgage, valuation lawyer certificate
and certificate of insurance.
Interest payments will then be paid monthly into your nominated
bank account on the tenth day of each month.
We will manage the loan on your behalf and liaise with the
borrower regarding repayment at the end of the term.
Once repaid, the lawyers will deposit your principal investment
directly to your nominated bank account.
You can then review our loan listings and start the process again.
G
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8. We believe this speaks highly of our expertise and experience and
confirms our ethos of only introducing good quality, investment
grade loan opportunities to our private lending clients.
NET ANNUALISED PRIVATE LENDER RETURNS
The below graph illustrates the returns generated by our private
lenders to date. As you will observe, the rates achieved are well
in excess of traditional term deposit or similar style investments
offered by the banks.
The following provides
an analysis of the loans Credit
Connect Group has
introduced or funded since
commencing operations in
2006 and is current as of
30th June 2017.
LOAN LOCATION
43.8% Of properties funded are based in New South Wales.
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9. The average loan introduced by Credit Connect is approximately
$985,000 however, as illustrated below, generally loans are for
amounts less than $500,000. Almost 35% of loans introduced are
for amounts less than $250,000 making them attractive to a broad
range of private lenders.
The average LVR of loans introduced by Credit Connect is a very
low 50%. This means for a property valued at
$1million, the average loan amount is $500,000 meaning our
private lending client funds are well secured and the risk of
capital loss is negligible.
Loan to value is one of the key risk factors that lenders assess when
qualifying borrowers for a mortgage. The lower the LVR
the lower the risk.
The majority of transactions introduced by Credit Connect
have LVRs of less than 60%. Those loans with LVRs
greater than 60% consist predominantly of short term loans
provided by Credit Connect from our own resources.
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10. CLOSING
Welcome to our Private
Lenders Network. We look
forward to assisting you on
your investment journey.
We are proud of our history and the
success we have achieved and are pleased
to answer any of your questions. Whether
you require additional information about
the group, our management team, the
borrowing and lending process or just
general information, we will provide the
information you need.
We are committed to being open and
transparent in all dealings and look
forward to building a long and prosperous
business relationship.
Best wishes and good investing.
10. ccg.com.au

11. T 1300795 507 ccg.com.au
DISCLAIMER
This document is simply a guide. In the event you wish to consider investing, you will need to be a wholesale /
sophisticated investor. You should be aware investing into mortgages carries great risk. Should you be a
wholesale / sophisticated investor we will need to provide our Discussion Paper and Finance Proposal, which
are detailed documents that will allow you to undertake all your own due-diligence in regard to any
specific loan. The information contained in this document has been prepared by Credit Connect Pty Ltd
A.C.N: 121 286 315 (CC) for general purposes only, while every care has been taken in regard to its
accuracy no warranty is given or implied. The information contained herein does not constitute financial
product advice and or an offer to invest. We recommend that any person obtain financial, legal and
taxation advice before making any financial investment with CC.