Despite playing an important role in the property ecosystem, CRED is often shrouded in myths and misinformation. Here, we help you master the CRED market, busting myths, understanding the role of alternative lenders, and providing tips and tricks on navigating this growing asset class.
Our FY24 numbers are in and we are incredibly proud of the result delivered through much hard work by our exceptional team across five locations and the support of our investor and borrower clients.
The past month was dominated by news of weaker economic growth, a still fragile labour market and an upward blip in inflation. There was no surprise when RBA left interest rates steady at 4.35 per cent after its June meeting, meaning there has been no policy change since the last rate hike in November 2023.
FINANCIAL REVIEW
With developers knocking on their door for finance, Zagga CEO and co-founder Alan Greenstein said the group’s aspirations were to “slowly and carefully” double its funds under management to about $1.5 billion and attract a deep pool of funders. “Non-bank lenders have carved out a space for themselves in the market by offering a highly credible solution,” Mr Greenstein told The Australian Financial Review.
Sick of riding the ups and downs of the sharemarkets? Explore alternative asset classes for stable, risk-adjusted returns, diversification and capital preservation. Learn about private credit, alternative real estate investing and more.
2023 ended with a clear and marked slowdown… The key issues early in 2024 will be the extent of the fall in inflation – if it falls earlier and more aggressively than the RBA is currently forecasting, the start of the interest rate cutting cycle will be brought forward to the first half of the year.
In this series ‘Demystifying Private Debt: Separating Fact from Fiction”, we aim to debunk common myths and provide clarity, drawing from our team’s combined experience in credit, property, private debt and investment management.
As we look to build on the foundations established since 2017 and to grow our business, we remain committed, not only to sourcing top quality alternative investment options from our accredited borrower clients and trusted introducers, but also to innovate and diversify the manner in which these can be structured and delivered to best effect and to meet the expanding requirements of our broad investor base.
Australia has lots to offer to CRED investors and Zagga has carved its niche amongst the Australian non-bank lenders and alternative asset managers.
MORTGAGE BUSINESS
“We’re very pleased to be embarking on the next phase of our growth journey with Crowd Bank, and continuing to support Australian businesses with flexible funding to help them realise their own growth objectives.”
Alan Greenstein, added that the alternative investment platform has been seeing particular growth from small businesses over 2020, as “more businesses turned to alternative finance due to banks effectively closing their doors to many of their existing clients, including small businesses”.
We would like to acknowledge the Traditional Custodians of the lands, seas, and communities in which we provide our services. We would also like to pay our respects to the Elders past, present and emerging, and the continuing cultural influence they have on Australia.
Zagga Market Pty Limited (Australian Credit Licence 490904) ACN 611 662 401 acts as the Servicer of loans acting on behalf of the credit provider, Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786, trustee of the Zagga Investments Lending Trust
All portfolio numbers quoted correct as at 1 October 2025.
*Average investor return across the active portfolio as at 1 October 2025.
**Target return is after expenses and any applicable management fees for the year ended 30 June 2026. OCR = Australian Reserve Bank Official Cash Rate.
Past performance is not a reliable indicator of future performance and investments are subject to investment risk, fees and costs. Returns are not guaranteed.
Prospective investors wishing to invest in a Zagga direct investment or a Zagga Fund should fully consider the Information Memorandum, ZFF Fact Sheet and/or ZWF Brochure, available from Zagga, before applying to invest. Investments are subject to risks.
Articles on this website have been prepared by Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786 (Zagga) for information purposes only. It doesn’t take into account your objectives, financial situation or needs, nor is it intended as a substitute for any accounting, tax or other professional advice, consultation or service. Nothing in this article shall be construed as a solicitation to buy or sell any financial product, or to engage in or refrain from engaging in any transaction.
Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Economic conditions may change.
Any analysis provided in this article is based on information obtained from sources believed to be reliable but Zagga does not make any representation or warranty that it is accurate, complete or up to date. Zagga accepts no obligation to correct or update the information or opinions in it. Any opinions expressed in this article are of the author and is subject to change without notice. Readers are reminded to exercise caution and use their own judgment when interpreting and applying the information contained in this article No member of Zagga accepts any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of such information.
