Borrow Simply

Experience uncomplicated and flexible borrowing

Borrowing through us

Earn regular income and portfolio diversification opportunities without the need to personally scrutinise each and every individual loan opportunity.

As a boutique lender with discretionary capital to invest, Zagga is committed to building lasting relationships and providing tailored solutions which turn our partners’ visions into reality.

We understand that every property transaction is different.

At Zagga, all loans are assessed on the strength of the borrower and each loan transaction on its individual merit.

Flexible and bespoke terms and conditions

Property based, asset focused lending processes

Transaction-specific, risk-based lending rates and transparent pricing

Reshaping the lending landscape

When the banks tightened the screws on credit, what options are available for quality borrowers wishing to explore alternatives to traditional financing avenues? Read the full discussion paper to understand how non-bank lending became that viable alternative.

Our loans

Property

• Purchase or refinance
• Renovation
• Bridging

Development

• Residential
• Commercial

Short term

• Cashflow and working capital finance
• Equipment finance
• Trade finance
• Inventory finance

Funding showcase

Client testimonials

I’ve been developing boutique residential, retail and commercial property for 8 years now, and historically I used to work with banks to source funding. However, since the Royal Commission into banking, approval processes became slow. So I started to look at non-bank lending options. I now use non-bank loans regularly as part of my funding mix, especially when I need a quick turn-around of funding for land purchases. In fact, non-bank loans make up 65% of my current funding.

Zagga is quick, efficient, and transparent; I’ve used them for numerous transactions. The team is easy to deal with and fair with their LVR ratios. I still use the banks too, but they’re much slower, and since the pandemic it’s been vital for me to access funds quickly to take advantage of various opportunities in the market. I’ve currently got two developments underway, one in Sydney and one in Melbourne, both with loans sourced using Zagga, around the $5M and $10M mark. I wouldn’t hesitate to recommend them.

Our role is to provide certainty for our clients and one of the ways to do that is to have good relationships with companies like Zagga…it takes years to build up that sort of trust and that sort of relationship.

I think Zagga is probably one of the top 3 lenders. Their track record of delivering and providing certainty is unparalleled.

Tom [and the Zagga team are] probably one of the best lenders, deal closers and credit managers in the market… [Tom] gets out on site, he knows how to talk to the client, the builder, the [subcontractors], … the planning surveyors, the evaluators…

For us, what is really important, is giving [our clients] comfort in their capital, who we're dealing with and trusting their process… and from seeing Tom in action, he's true to his word, he's very considered …

We’ve done [many] deals with Zagga in the last 6 years, so I’ve seen them in action. We see how [they get into the detail]…. I would definitely invest with them.

Thank you so much for…providing a solution to our clients. Your professionalism and customer care are greatly appreciated.

Highly impressed with the platform and I am certain you will be hearing from us again soon.

Just a belated thank you to [Michael], Tom, James and the staff at Zagga for all your help with regards to my construction facility.

I must say to my surprise the financing aspect was probably the easiest part, whether from Zagga, Stamfords or CBA, everyone was very helpful and professional.

I am proud of our association and hope to partner with Zagga on many more projects.

We can assist with:

land-bank finance with interest capitalised or paid monthly

site acquisition against improved valuations achieved through rezoning/planning approvals

progressively-drawn construction finance to help meet construction contingency, project management, capitalised interest and the marketing /sales campaign

equity release to the developer to access higher-value projects or provide bridging finance across multiple assets

refinance and recapitalisation of development residual stock to clear construction loans, release equity or to facilitate an extended sales campaign.

Let’s have a chat

If you’re ready to experience the Zagga difference,
reach out and have a chat.

Tom Cranfield

Director, Investment & Risk

Tom@zagga.com.au

Frank Hageali

Director, Property & Risk

Frank@zagga.com.au

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