Lending & Credit Platform Development in Sydney & Melbourne

The parts around and inside the lending lifecycle: application and onboarding, document and data collection, decision workflows, broker and partner portals, loan servicing and repayment tracking, collections and hardship workflows, reporting, and integrations with your accounting, payments and data providers. Our published BizCap case study is a business line-of-credit platform covering real-time origination, management and repayment.

It can. Reporting on the Treasury and ACCC rollout says non-bank lenders began sharing product reference data on 13 July 2026, and consumer data sharing starts in phases by size: from 9 November 2026 for lenders with over $10 billion in loans and leases, and from 10 May 2027 for those with at least 1,000 customers and over $1 billion. Earlier draft rules described a de minimis threshold of $1 billion and 1,000 customers, so many smaller lenders may fall outside the rules unless they opt in. Confirm whether and when you are covered with the ACCC or an adviser.

A hardship request can arrive through several channels, and it has to reach the right team and be tracked to an outcome. In a 2024 review of home lenders, ASIC reported that hardship notices were not reliably identified, that about 35 per cent of customers dropped out after giving notice, and that about 40 per cent of those given assistance fell into arrears straight after it ended. We design a Hardship Path Check into the platform: every channel, one record, clear reasons for decisions and structured follow-up.

It may. From 10 December 2026, Australian privacy law changes require privacy policies to disclose certain automated decisions that significantly affect individuals and use their personal information, and OAIC guidance says human review does not by itself take a program out of scope. If your platform scores, approves, declines or prices credit automatically, review this with a privacy adviser before launch.

Yes. Broker and introducer portals for submitting applications, uploading documents, tracking status and viewing commissions are a common part of lending builds, and they connect to the same loan record as your internal team. We map who sees what for each role before we build.

Yes. Reporting on the Treasury Laws Amendment (Responsible Buy Now Pay Later and Other Measures) Act 2024 says BNPL providers need to hold an Australian credit licence from 10 June 2025 and be members of the Australian Financial Complaints Authority, with a tailored responsible lending regime for low cost credit contracts. If you offer BNPL or other low cost credit, confirm your licence position and the current regulations with ASIC or a specialist adviser, as some details were in draft when reported.

Yes. A lending platform is mostly integration work: bank feeds, payment providers, identity checks, credit bureaus, accounting software and document tools. We scope each integration, its failure modes and its cost before building. See our API and systems integration work.

It depends on the products, the decisioning, the number of user types, the integrations and the testing and security your risk requires. A focused first release for one product is much smaller than a multi-product lending core. We scope the first release before quoting. BizCap went from January 2024 to launch in May 2024, but your timeline depends on your scope.