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Lending infrastructure · Australia

Everything a lender runs on, with the working shown.

Four suites for Australian credit providers, from the application to the last report to the bureau.

Take the five-minute tour See the suites

23 modules Open to try today

Statementstatement.csv · 181 days

Income
$5,026.67/mo
13 of 13 fortnightly pays

13 creditsPAYROLL → Salary or wages

  1. DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL+2,200.00
  2. DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL+2,560.00
  3. DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL+2,440.00
Commitments
$2,150.00/mo
6 monthly rent payments
Expenses
$3,660.62/mo
88 transactions, 8 categories

101 of 101 transactions categorised, each with its rule

Capacity$57,300borrowing power, on serviceability

The software reading its invented statement. Open it →
99.2%of Statement’s categories right, on transactions it never saw. How it is measured
11,000+automated tests guard every release
23modules, in four suites and three front doors, each open to try
176API endpoints, every one documented

Products

Four suites. Three front doors.

Take a suite, or any one module in it.

  1. 1Origination Suite
  2. 2Decisioning Suite
  3. Your decisionThe software supplies the evidence. The licensee makes the decision.
  4. 3Servicing Suite
  5. Compliance Suite, under all three

Origination Suite

Take applications and bring borrowers on board.

Hosted Application · Apply · Identity · AML · Documents · Contracts · Sign · Portal

$0.80 a decision

Learn moreTry an application

Example Lending · Apply

Step 2 of 6 · Your loan

$1,200

Repaid over6 months

Email verifiedBank connected

Continue

An invented application.

Decisioning Suite

Read the statement, score the applicant, apply your policy.

Statement · Score · Policy Engine · Operations · Small Amount, for SACC and MACC loans

$2.15 a decision

Learn moreOpen a sample statement

Creditcrest Statement · invented borrower

Holder

Matches the applicant

Score

757BB

Policy

Refer

0 not met · 2 referred

Suggested

Refer

Regular income$2,783.93

Commitments−$1,056.61

Essentials−$2,874.97

Discretionary−$216.44

Servicing Suite

Run the book after the money goes out.

LoanManager · Payments · Collections · Credit Reporting · Book and reports

0.85% of the first $5,000 of each advance

Learn moreOpen a borrower’s account

On track

Next repayment

$132.93

due in 13 days, from the account ending 0001

Pay $132.93 now

5 of 13 repayments made$886.15 to pay off

An invented borrower’s account.

Compliance Suite

Stay inside the law, with the evidence.

Controls · Complaints · Privacy

Inside the Servicing Suite’s share of each advance

Learn moreSee the release gates

Controls · release gates
  • LicenceEvidenced
  • SecurityEvidenced
  • ProvidersEvidenced
  • ActivationMissing · stays shut
An invented lender’s gates.

Statement API

Read a bank statement from your own program.

A sandbox key in one call, and the accuracy published

$1.45 a statement

Learn moreRead one in code

POST /v1/statement
$ curl -X POST …/v1/statement \
    --data-binary @statement.csv

{ "income":      { "verifiedMonthly": 5026.67 },
  "commitments": { "monthly": 2150 },
  "expenses":    { "monthly": { "essential": 3497.94 } } }

For Brokers

Compare the market and keep the best interests file.

Compare · Broker · Statement

$16.50 a sealed file

Learn moreFill a file in

Best interests file
  1. Option Alowest whole cost
  2. Option B+$41 a month
  3. Option C+$96 a month

Sealed, every reason written

Invented options.

Contracts

Write your contracts once, have them signed, and keep them, in your own brand.

Templates, signing, a repository and renewals, for any company with its own database

$1.65 a completed contract

Learn moreTry it

Mutual NDA · version 3
  • Your companySigned
  • Sample Freight Pty LtdSigned

Ends 1 March · reminder set

An invented contract.

Every module, and how they connect

On every screen

It looks like you built it.

Your name, logo and colours on the application, the borrower’s account, every email and every PDF. Your team runs the whole book from one console.

The staff console’s work queue: the files waiting, the next one to pick up, and each application’s status, analyst and checklist.
A borrower’s account on a phone: the next repayment with a button to pay it now, or another amount, or the loan in full.
  • Your brandLogo and colours on every borrower page, email and PDF.
  • Phone firstApplications and repayments made for the phone.
  • One consoleQueue, files, loans and reports for your team.

Shown: Example Lending, the invented lender in our sandbox. Try it yourself

See it work

From application to account, in five minutes.

One invented lender, end to end. Open each step in the software: nothing is sent, and nothing is lent.

Creditcrest in under 90 seconds, with its sound off until you turn it up: one loan, from an application on a phone to the staff console and the borrower’s account, on Example Lending, the invented lender in our sandbox.

Sound’s off. Use the speaker on the film to hear the narration.Choose a voice, 1 minute 25 seconds

  1. Apply as a borrower

    Six screens to “application received”. Use invented details: the codes appear on the page, and nothing is sent.

    Open the application

  2. Assess it as staff

    Take a file from the queue: what the statement shows, which of the policy’s conditions are not met, and the checklist to a conclusion.

    Open the staff console

  3. Run the loan

    What the borrower sees once the loan is funded: the next repayment, paying early or in full, and help when it is hard.

    Open the borrower’s account

  4. Follow a figure

    A bank statement read: income, commitments and expenses, each with the transactions behind it.

    Open a statement

Take the five-minute tour

Evidence

A figure is only worth what can be shown behind it.

Every figure carries what it came from. Software supplies the evidence; the licensee makes the decision.

From transactions to a sealed credit file Six bank transactions, each connected to the figure it feeds in a credit file: two salaries to income, rent to commitments, power and groceries to expenses, a card limit to card limits. The file carries its hash. The decision sits outside it, made by the licensee. The figures are illustrative. SALARY+4,180.00 RENT−1,950.00 POWER−212.40 SALARY+4,180.00 CARD LMT8,000 GROCER−148.95 CREDIT FILE sha256 · 9f3c…e21a Income8,360 /mo Commitments1,950 /mo Expenses361 /mo Card limits8,000 from 2 transactions from 1 transaction from 2 transactions from 1 limit Every figure → its transactions DECISION Made by the licensee
Illustrative figures, not anybody’s data.

Developers

Made for developers. Ready for AI agents.

Every module is an HTTP API: JSON in, evidence out, nothing kept.

Get a sandbox key Read the docs →
Request
curl -s -X POST https://app.creditcresttechnologies.com.au/v1/statement \
  -H "authorization: Bearer $CREDITCREST_KEY" \
  -H 'content-type: text/csv' \
  --data-binary @statement.csv
Response · 200trimmed
{
  "income": {
    "verifiedMonthly": 5026.67
  },
  "commitments": {
    "monthly": 2150
  },
  "expenses": {
    "monthly": {
      "essential": 3497.94,
      "discretionary": 162.68
    }
  }
}

Start here

Start where you are.

Running a lender See what your staff and borrowers would use.
Building on it A sandbox key now. No account, no card.
Signing it off Due diligence, without waiting for a meeting.

Research

Insight for lenders, free.

What we measured, read in the law or found in public figures.

  1. Default by area What a suburb says about default · 21 min read
  2. Inflation and jobs Prices, jobs and credit · 19 min read
  3. Monthly brief Small lending in Australia — November 2026 · 2 min read

All research

No monthly fee. A fee for each decision, and a share of what you lend.

Estimate your monthFree trial on past applications