Credit guide

This Credit Guide is provided to you under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act). It tells you about us, the credit services we provide, the lenders we deal with, how we are paid, and your rights if something goes wrong.

Who we are

Cashtech is a service offered by Trimorph Pty Ltd ABN 87 604 290 931 ("Cashtech", "we", "us","our").

Office: Level 1, 6 Hassall Street, Parramatta NSW 2150
Phone: 1800 227 483
Email: [email protected]
Web: www.cashtech.com.au

Authorisation

We are authorised under an Australian Credit Licence to provide credit assistance to consumers and to act as an intermediary between borrowers and credit providers. [Insert: ACL number / credit representative number TBC.]

Our credit representatives are listed on moneysmart.gov.auvia the ASIC Professional Registers. You can verify each credit representative's authorisation there.

Services we provide

We provide credit assistance, which means we may:

1. Suggest a particular credit product or contract from a lender on our panel that is not unsuitable for your needs and circumstances;
2. Assist you to apply for that credit product (including helping you prepare your application, liaising with the lender, and progressing it to approval and settlement);
3. Suggest you remain in your current credit arrangement, or refinance to a different product, where appropriate.

Before suggesting a particular product to you, we will conduct a preliminary assessment of whether the product is "not unsuitable" for you. The factors we consider include your funding need, your ability to service the proposed repayments without substantial hardship, and any specific requirements or objectives you have shared with us.

What we do not do: we are not the lender, we do not issue credit ourselves, and we do not provide personal financial product advice (such as advice on investments, insurance, or superannuation). We do not provide tax or legal advice.

Lenders we work with

We work with a panel of Australian commercial lenders across the main product categories — working capital, asset and equipment finance, commercial property, invoice and debtor finance, trade finance, and private credit.

Our active lender panel is published on the website at cashtech.com.au/business/lender-panel. The list is reviewed quarterly and is updated when lenders enter or leave our panel, or when their appetite changes materially.

We will tell you which lenders we considered for your particular situation, and which we recommended, before we submit your application.

How we are paid

We are typically paid by the lender, not by you, in the form of commission. There are two common forms of commission:

1. Upfront commission — paid by the lender at settlement, calculated as a percentage of the loan amount.
2. Trail commission — paid by the lender each month while the loan is in place, calculated as a percentage of the outstanding loan balance.

Specific commission rates vary by lender and product. We will tell you the exact upfront and trail commission rates that apply to your transaction, in writing, before you sign a credit contract. Where a lender pays a referral fee instead of commission, we will tell you that too.

Indicative commission ranges

The ranges below are indicative across our current panel for the major commercial product categories:

• Working capital and unsecured business loans: upfront commission 1% – 4% of the approved facility limit; trail commission 0% – 0.5% per annum.
• Asset and equipment finance: upfront commission 1% – 3% of the financed amount; trail commission typically nil.
• Commercial property: upfront commission 0.5% – 1% of the loan amount; trail commission 0.1% – 0.25% per annum.
• Invoice and debtor finance: upfront commission 0.5% – 2% of the approved facility limit; trail commission 0% – 0.4% per annum.
• Trade and import finance: upfront commission 0.5% – 1.5% of the facility limit; trail varies.
• Private credit: upfront commission 1% – 2% of the loan amount; trail commission generally nil; specialist arrangements may apply.

These are ranges, not promises. The actual commission for your transaction will be disclosed to you before you sign.

Conflicts of interest

Commission arrangements can give rise to conflicts of interest because we are paid more for some products than others. We manage this risk in the following ways:

• We recommend the credit product we genuinely consider best suited to your needs and circumstances, not the product that pays us the highest commission.
• Our credit representatives are remunerated on a salary basis, not on the commission attributable to the products they place.
• We disclose the commission applicable to your specific transaction in writing before you sign a credit contract.
• We hold a current conflicts management policy that is available on request.

If you have any concern that a particular recommendation may be influenced by our commission arrangements, ask us — we will explain the recommendation and the commission together.

Fees payable by you

For standard commercial brokerage work, we do not charge you a fee — we are paid by the lender at settlement.

In limited circumstances — for example, complex private credit or distressed-finance arrangements where significant additional structuring work is required — we may charge a fee directly to you. If this applies, we will agree the fee with you in writing in advance, before doing the work.

Your rights

You have a number of rights under the NCCP Act, including:

• The right to a copy of the preliminary assessment we make about whether a product is not unsuitable for you, on request, within 7 business days (or 21 if it relates to historic assistance).
• The right to ask us, before we provide credit assistance, about the commission we will receive.
• The right to receive a copy of this Credit Guide before we provide credit assistance.
• The right to access information we hold about you (subject to our Privacy Policy).
• The right to make a complaint and to escalate to AFCA if you are not satisfied with our response.

Privacy

Personal information you provide to us is handled in accordance with our Privacy Policy and applicable Australian privacy law. Our Privacy Policy explains what we collect, how we use it, the third parties with whom we may share it (including lenders during the application process), and how you can access or correct it.

Complaints

If you are unhappy with anything we have done or failed to do, please tell us. Our internal complaints process — including how to lodge a complaint, response timeframes, and external dispute resolution via AFCA — is set out in our Complaints Handling Policy.

For convenience, the quickest way to lodge a complaint is by phone on 1800 227 483 or by email to [email protected].

If we cannot resolve a complaint to your satisfaction, you can refer it to the Australian Financial Complaints Authority (AFCA) — free to you — at:

AFCA
Phone: 1800 931 678
Email: [email protected]
Website: www.afca.org.au
Post: GPO Box 3, Melbourne VIC 3001

Our AFCA membership number: [Insert: TBC]

Contact us

For any question about this Credit Guide or about a specific transaction:

Cashtech (Trimorph Pty Ltd)
Level 1, 6 Hassall Street
Parramatta NSW 2150
Phone: 1800 227 483
Email: [email protected]

This Credit Guide is issued by Trimorph Pty Ltd ABN 87 604 290 931, trading as Cashtech. It should be read alongside our Privacy Policy, Terms of use, and Complaints handling policy. Information contained in this guide is general in nature and not intended as personal financial, legal, or tax advice.