CCG Capability Statement

Capability Statement SECURED LENDING. SMART INVESTING.

CCG.COM.AU

Who is Credit Connect?

Established in 2006, Credit Connect Group (CCG) is a leading non-bank lender and first mortgage investment specialist in Australia. We connect borrowers seeking fast, flexible short-term secured loans with investors looking for high-yield, property-backed opportunities.

We provide tailored finance solutions, delivering speed, flexibility, and certainty where traditional banks fall short. Every loan is secured by Australian real estate and supported by rigorous due diligence, ensuring responsible structures that perform.

Our lending spans residential, commercial, construction, development, non-resident, and short to medium-term business finance.

For investors, we offer access to high-return, income-generating opportunities underpinned by the strength and stability of the Australian property market.

Benefits include capital preservation, diversification, and secured returns. Our investor community ranges from high-net-worth individuals and SMSFs to charities, family offices and institutional investors.

At CCG, our strength lies in People, Property, and Partnerships. We are proud of our enduring relationships with brokers, wealth managers, accountants, lawyers and referrers, built on performance, transparency and trust.

We specialise in: Investing Private credit investments for investors seeking secure, predictable income.

Borrowing Flexible funding for borrowers when traditional banks say no.

With over $1.2 billion loaned and a 100% track record of capital and interest repaid, we are trusted by investors, developers, business owners, brokers and referrers across Australia.

“We connect capital to opportunity, creating growth for borrowers and secure returns for investors” 02

$1.2 Billion LOANED

500+ LOANS FUNDED

53% LVR AVG

100% CAPITAL REPAID

CCG.COM.AU 03

Our Difference At Credit Connect Group, our difference lies in combining experience, speed, transparency, flexibility and breadth of solutions to create outcomes that traditional lenders can’t match. Whether you are a borrower seeking opportunity, an investor building reliable income, or a broker connecting clients to solutions, we deliver trust, clarity and performance across the entire lending journey.

Borrowers “Fast turnaround, no hidden fees, saved my project.”

Investors “Reliable income and capital security.”

Referrers “Professional, efficient and a true partner in client solutions.”

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Our Clients BORROWERS Individuals Companies Property Investors Self-Managed Super Funds Property Developers & Builders Self-employed Business Owners Small and Medium-Sized Enterprises

INVESTORS Wholesale Investors Sophisticated Investors High-net-worth individuals Investment Banks Family Offices Hedge Funds Foreign Investors Family offices and institutions Religious Groups and Charities Overseas State-Owned Enterprises

REFERRERS Brokers Law Firms Accountants Financial Planners Real Estate Agents

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Why Investors choose us Private Credit Investment is one of the fastest-growing asset classes worldwide.

CCG makes it secure, transparent and income focused.

Investor Benefits Predictable Income 8–9% p.a. fixed returns.

Regular Cash Flow Monthly distributions.

Capital Protection First mortgages, conservative LVRs. Diversification Across loan types, property sectors and locations.

Transparency Choose your Investment opportunity.

Control Monitor it in real time via our Investor Portal.

I have personally worked with the Directors of Credit Connect for over 7 years. Their ability to source high quality investment opportunities along with, subsequent to the loan being settled, their exceptional management/administration skills is truly, second to none. Credit Connect is a high-calibre team of experienced investment executives who ensure the best possible outcome for all stakeholders involved.

– Mr. Peter H. (Investor)

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Why Borrowers choose us We work with brokers, borrowers, strategic partners and developers to structure short to medium term loans that suit real-world scenarios. Our experience allows us to move fast, assess on merit and support clients with confidence.

Trusted We have over 50+ years of combined experience.

Accessible Access funding not available with banks.

Fast Approval Indicative approvals in 24 hours and settlements as fast as 1 week.

Transparency No hidden fees, no extra charges, no surprises.

Flexible Funding Specific to your project. No, two borrowers are the same.

Fixed Rate Interest only loans. All fees are fully disclosed upfront.

Tailored Support Bespoke guidance to secure the outcome you need.

“Because I’m a non-resident borrower, the banks wouldn’t accept the loan. Credit Connect approved and settled quickly. I recommend them to anyone who needs finance when banks say no.”

— Liling Z. (Borrower)

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Control at Your Fingertips At CCG, innovation drives everything we do. Our upgraded CRM system now empowers both investors and borrowers to log in directly through a secure online portal, providing instant access to their accounts, loan details and investment information. transparency isn’t just a promise, it’s built into the way we operate.

For Investors View investment details in real time Track monthly income distributions and payment history Access loan documents, valuations and security details Download statements and reports instantly Receive performance updates as they happen

For Borrowers Track your loan status and repayments Access settlement and account details View fee breakdowns and facility terms Communicate directly with our team Manage your facility with complete transparency.

*Available from December 2025 08

History of Success 120

112

108

Loan Amount (no of loans)

100 90 79

80

60 44 40

33

20

0

$0 - $250K

$250K - $500K

$500K - $1m

$1M - $3M

$3M - $5M

$5M+

200

151

Loan to Value Ratio

150

148

100 72 50 35 20

19

10 - 20%

20 - 30%

12

9 0

0 - 10%

30 - 40%

40 - 50%

50 - 60%

60 - 70%

70 - 80%

09

History of Success 197

200

148

150

Location

100

91

50

0

NT

3

TAS

ACT

15

9 SA

WA

QLD

VIC

NSW

244

250

Loan Term (% of total loans)

3

200

150

107 100 71 50 32 12 0

1 - 6 months

6 - 12 months

12 - 18 months

18 - 24 months

> 24 months

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Funded Loans Marsden Park, NSW

RETURN

10%

LVR

70%

Lilli Pilli, NSW

8%

RETURN

LVR

46%

LOAN TYPE

CONSTRUCTION

LOAN TYPE

RESIDENTIAL

TERM

12 MONTHS

TERM

12 MONTHS

INTEREST PAID

MONTHLY

INTEREST PAID

MONTHLY

LOAN AMOUNT

$74,405,000

LOAN AMOUNT

$2,250,000

Woody Point, QLD

RETURN

9%

LVR

68.8%

Mosman, NSW

RETURN

9.75% LVR 61.99%

LOAN TYPE

RESIDENTIAL

LOAN TYPE

RESIDENTIAL

TERM

9 MONTHS

TERM

6 MONTHS

INTEREST PAID

MONTHLY

INTEREST PAID

MONTHLY

LOAN AMOUNT

$715,000

LOAN AMOUNT

3,750,000

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Funded Loans Kings Langley, NSW

RETURN

10%

LVR

65%

Hawks Nest, NSW

RETURN

10%

LVR

65%

LOAN TYPE

DEVELOPMENT SITE

LOAN TYPE

CIVIL CONSTRUCTION

TERM

12 MONTHS

TERM

12 MONTHS

INTEREST PAID

MONTHLY

INTEREST PAID

MONTHLY

LOAN AMOUNT

$13,000,000

LOAN AMOUNT

$8,275,000

Carrara, QLD

RETURN

8%

LVR

70%

Docklands, VIC

RETURN

9%

LVR

42%

LOAN TYPE

RESIDENTIAL

LOAN TYPE

RESIDENTIAL

TERM

12 MONTHS

TERM

8 MONTHS

INTEREST PAID

MONTHLY

INTEREST PAID

MONTHLY

LOAN AMOUNT

$924,000

LOAN AMOUNT

$210,000

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Testimonials At CCG, our success is built on the trust and satisfaction of our Investors, Borrowers and Partners. From investors who appreciate our transparency and consistent results, to borrowers who value our support and tailored solutions, to brokers who rely on our reliability and partnership, each story highlights our commitment to excellence. These testimonials reflect the positive experiences and long-term relationships we’ve built across every aspect of our business, reinforcing our dedication to integrity, performance, and client success.

Working with CCG has been one the best experiences in my 30 years of broking. They are quick with responses and accurate with their information provided. I would recommend their professionalism to anyone. - Tony Taneski, Managing Director I Honesty Integrity Solutions (Broker) We have a lot of borrower enquiries. If we believe they are loans worthy of funding, we forward them to Credit Connect to consider funding. The turnaround time in obtaining approval is fantastic, the hands-on approach, professional manner, communication and respect shown by Credit Connects’ staff is to be commended. Our firm has been involved in millions of dollars’ worth of loan transactions that have settled with Credit Connect over the years and highly recommend them for any financing needs you have.

- Con Morris from Morris & Hartford Finance Co of Australia (Referrer) Each time my partner and I have dealt with CCG they have left us feeling comfortable and reassured. We have now advanced over $5,000,000 in various mortgages over the past 10 years and their service continues to remain the gold standard. – Mrs. Emma W (Investor) Thanks Credit Connect, for all your help and prompt responses. Makes for seamless enjoyable and confident investing. – M Ray B (Investor) From start to finish, the entire process of my transaction with CCG was very smooth and professional.

They cleared up all the queries I had about stepping into the realm of non-bank lending and only made me wish that I’d done it sooner. A massive thank you to the entire team and looking forward to the opportunity to work with them again. – Mr. Wayne P. (Broker) Credit Connect Group, just a quick note to show our appreciation to Andrew Psalti and his team with regards their help with not one, but two very challenging loan scenarios. Andrew worked around the clock and on weekends to get these deals over the line and we couldn't be happier with the results. We will definitely be coming back to CCG! - AJ Endrina, Greythorne Capital (Broker)

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Service Providers At CCG, we take pride in partnering with a carefully selected group of recognised service providers who share our commitment to quality, professionalism and compliance. Each provider is chosen for their proven expertise, integrity and track record of excellence, ensuring our clients receive the highest standard of service across every stage of their journey with us. By working alongside respected industry professionals, we maintain transparency, reliability and confidence in all that we do.

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Transparent investing focused on capital preservation.

FREE CALL 1300 795 507 (in AUS) CALL +61 7 5593 1300 (outside AUS) EMAIL info@ccg.com.au

QUEENSLAND HQ Robina Building, Level 4 1 Laver Drive, Robina QLD 4226 NEW SOUTH WALES Suite 3.01, Level 3, 56 Pitt Street Sydney NSW 2000 VICTORIA Suite 405, Level 4, 488 Bourke Street, Melbourne VIC 3000 MAIL PO BOX 3574 Robina Town Centre QLD 4230

LICENSING ACL Credit Connect Finance Pty Ltd (ACN 113 576 891) (“Credit Connect Finance”) holds an Australian Credit License 396190 issued by the Australian Securities and Investments Commission. The entity is licensed to provide credit to consumer clients under the National Consumer Credit Protection Act. AFSL Credit Connect Capital Ltd (ACN 104 081 192) (“Credit Connect Capital”) is a public company and holds an Australian Financial Services License 230173 issued by the Australian Securities and Investments Commission. The entity is licensed to offer managed investment schemes to retail and wholesale clients.

The information contained in this statement is of a general nature. It is not advice or a recommendation to invest in a financial product, is general information only, the Issuer is not licensed to provide advice and no cooling-off rights apply to an investment in Notes.

The advice provided does not take into account your personal objectives, financial situation, or needs. You should consider whether it is appropriate for you before acting on it and or consider independent advice. Before making a decision about whether to acquire a financial product, you should obtain and consider the Product Disclosure Statement, Information Memorandum or Financial Services Guide.

We encourage you to obtain professional advice before deciding to invest in a financial product.

Past performance is not an indicator of future performance. Expected or forecasted returns may not reflect actual performance.

CCG.COM.AU