Zagga Receives Investment Grade Rating
Independent ratings house, SQM Research awards a 3.75-star INVESTMENT GRADE rating
to the Zagga Investments Lending Trust.
July 2026
Zagga Investments Lending Trust (ZILT) awarded 3.75-star rating
According to SQM, the Trust has displayed strong performance across all periods when compared with the reference index and peers.
"Zagga operates with an ‘investor first’ approach, led by a strong executive team and supported by experienced credit and operations teams."
The strengths of the Trust
The loan originations have shown a steady and material increase over time since their inception.
Investors receive income as it is earned on the loan interest repayments, with real time reporting of the performance of the loan book to which the investor is exposed.
Management fees are only charged on successful receipt of principal and interest on each loan, not on invested FUM.
The management team are well-experienced with cross-functional expertise in business management and credit lending assessment.
The team maintain a close working relationship with the originator and Borrower of the loans.
Zagga’s sophisticated software platform enables fractionation of investment risk and the customisation of a return profile for individual investors, according to the investor’s investment requirements and asset allocation preferences.
Exposure to smaller loans reduces the risk inherent in larger-sized failures. Zagga’s loans are typically, shorter-term loans, with terms from six months up to 36 months
As a result of intensive due diligence processes, the transaction-specific interest rates recognise the individual risk inherent in each loan.
None of Zagga’s loans have been exposed to the insolvency of third-party building companies, and overall, all construction projects are active, albeit delayed for the respective reasons.
"SQM Research observes that the levels of investment experience and company tenure are strong across the investment team"
Since last year's review
Cressida Wall appointed to committees as an independent member.
The maximum targeted exposure to a single loan has been increased from $65m to $99m, noting that transactions that are higher than this upper limit are reviewed for approval on a case-by-case basis by the Credit Committee.
Since its inception, Zagga has now originated more than $3bn in loan investments across 350+ transactions, with more than 200+ successful exits, across a spectrum of loan purposes, including business, commercial, residential and property, helping borrowers bring major projects to fruition whilst also providing investors with attractive returns.
How to invest?
The SQM Report recognises the key ways an investor can invest via the Zagga Investment Lending Trust:
Invest via a Fund
Earn regular income and portfolio diversification opportunities without the need to personally scrutinise each and every individual loan opportunity.
Invest directly
Create a more balanced investment portfolio and predictable returns by investing in individual loans that meet your risk and return preferences.