Investors Central Limited New Preference Shares
The Company is raising capital by offering redeemable Preference Shares, to fund its lending business and its debt collection businesses.
Established in 2010, Investors Central Limited is an Australian unlisted public company that issues Redeemable Preference Shares to fund the expansion of our predominately automotive lending businesses, Fin One Pty Ltd and Finance One Commercial Pty Ltd collectively trading as Finance One and our debt collection businesses, Strategic Collections Pty Ltd and Commercial Credit Control Pty Ltd. Since inception, we’ve consistently reported profits and remarkable growth in gross loan book value and equity*.
Tailored investment choices
Investors Central empowers you to customise your investment journey. Choose from a variety of preference shares, tailoring your investment duration and expected monthly returns. Our commitment is reflected in our open communication policy, ensuring your questions about our performance or the application process are always addressed promptly.
Our unique approach
Setting us apart, funds from investors directly finance loans through our lending businesses trading as Finance One and the debt collection activities through Strategic Collections Pty Ltd. This distinctive model affords us stringent control over the allocation of investor funds within our diversified businesses.
*Disclaimer: Past performance is not a reliable indicator of future performance. Investors are encouraged to read the Prospectus in full and seek professional advice before deciding to invest.
Our preference shares function as debt instruments, providing monthly interest payments on the principal investment amount. Investors Central welcomes you to a distinctive and transparent investment experience, dedicated to fostering financial accessibility for Australians.
The Company is seeking to raise approximately $100 million under the Public Offer over the next 13 months.
The Offer is for the issue of a new class of Preference Shares at an Offer Price of $1.00 per New Preference Share.
Under the Offer:
- Public Preference Shareholders earn a fixed rate of interest.
- The interest rates applicable to the New Preference Shares depend on the term and amount of investment with the Company.
- Interest rates may be varied throughout the term of this Prospectus. However, the interest rate applicable at the date of issue of the New Preference Shares is fixed for the term of the investment.
These interest rates are current as at 05 January 2024.
Rates are subject to change. Applications may only be made on the Application Form accompanying the Prospectus dated
3 November 2023 or obtained by contacting Investors Central.
The current interest rates offered under the Public Offer and Public Rollover Offer are published on the Company’s website at https://investorscentral.com.au/investment-options/
| Term (months) | $25,000 - $500,000 (% p.a.) | $500,001 - $ 1,500,000 (% p.a.) |
| 3 | 6.05% | - |
| 6 | 6.15% | - |
| 9 | 6.25% | 8.60% |
| 12 | 6.75% | 9.00% |
| 18 | 7.00% | 9.35% |
| 24 | 7.50% | 9.75% |
| 30 | 7.80% | 10.15% |
| 36 | 8.35% | 10.35% |
| 48 | 8.10% | 10.10% |
| 60 | 6.60% | 8.60% |
Investors Central secures funds from investors and loans them to wholly-owned subsidiaries, enhancing consumer and commercial lending capabilities. Ongoing expansion and diversity are achieved through additional asset-backed securitised trusts.
Diversify your investment strategy with Investors Central. Choose from a range of preference shares terms, each offering unique durations and monthly returns. Our commitment to open communication ensures clarity on performance and the application process.
Investors Central Limited is an Australian-owned unlisted public company, that raises funds predominantly for the purpose of funding lending and debt collection businesses operated through its subsidiaries:
- Fin One Pty Ltd (Finance One Consumer);
- Finance One Commercial Pty Ltd (Finance One Commercial);
- Strategic Collections Pty Ltd (Strategic Collections) (and its wholly owned subsidiary
Commercial Credit Control Pty Ltd) (Commercial Credit Control).
Finance One Consumer and Finance One Commercial will be collectively referred to as “Finance One” throughout this Prospectus.
Fin One Services Pty Ltd (a subsidiary of Investors Central) also provides administrative services to Finance One.
Since its beginnings in 2010, the Group has originated over $1 billion in loans through Finance One. Finance One has historically serviced the non-conforming sector of the market which yields higher interest returns and provides attractive monthly returns to its investors through Investors Central. More recently, Finance One has expanded its product range by offering products with a lower interest rate to more credit worthy customers, which has assisted to grow its loan book.
What is our history?
Investors Central was established in 2010 to raise capital to fund the expansion of its automotive lending business, Finance One Consumer.
In 2016, Finance One Consumer expanded its offering to include commercial motor vehicle loans.
In November 2018, Finance One Consumer commenced offering personal loans, which may be secured and unsecured.
Due to growing demand to fund loans for commercial vehicles, Finance One Commercial was established as the Group’s specialist commercial lending company and from 1 July 2020, this company commenced writing all of the Group’s commercial loans, which included loans for
mobile plant and equipment.
In August 2021, Investors Central established a debt collection arm of the business, Strategic Collections, which subsequently acquired an established debt collection business, Commercial Credit Control.
The Group also incorporated Fin One Services as a new subsidiary in 2021. Fin One Services currently undertakes credit enquiry searches for new customers coming directly to Finance One, and may provide other services to Finance One in the future.
As Managing Director of the Group, Jamie has founded several successful businesses in the retail and finance industries.
With over 22 years’ industry experience in these sectors, he has established a keen sense for identifying opportunities to diversify and adapt business for relevance and growth in an ever-evolving marketplace. The highly sought-after investment and credit products offered through Investors Central and Finance One respectively have been a particular testament to this. The McGeachie Group has also proudly derived much of its success by investing in their dedicated teams, to allow them to genuinely share in the success and growth of a values-based organisation.
As Managing Director of the Group, Jamie’s goal is to build a business that promotes integrity, with personalised and proactive management of our clients, enabling them to achieve the best financial capacity possible. He continues to build the business through developing strong relationships, investing in staff and always working with honesty and integrity.
Darren holds numerous qualifications including a Master of Business Administration (MBA) and Master of Applied Finance (MAF).
Darren is the Group CEO and responsible for the strategic direction and leadership of the company. Prior to joining Investors Central, Darren held a range of senior leadership positions within financial services.
Click here for all half-yearly and Annual Performance Reports.
Investors Central provides a range of investment options from $25,000. Investment terms vary depending on your principal investment amount. Before submitting an application to Investors Central please download and read our Prospectus. We also encourage you to take professional advice from your lawyer, accountant, or professional adviser about whether this investment option is suitable for you. Past performance is not a reliable indicator of future performance.
Investors Central raises capital to fund the lending operations of its wholly-owned subsidiaries, Fin One Pty Ltd (“Finance One”) and Finance One Commercial Pty Ltd (“Finance One Commercial”). Fin One Pty Ltd and Finance One Commercial Pty Ltd, are non-bank lenders that write consumer and commercial loans (respectively). The Group is 100% Australian-owned and writes loans to borrowers in every state and territory in Australia. Investors Central is one of the few companies to offer this specific type of investment opportunity.
Investors Central offers a range of investment terms from 3 months to 60 months, depending on your principal investment amount. Your choice of investment term will affect the rate of the monthly interest you will receive. Longer durations with our investment firm typically attract higher rates of return.
What makes Investors Central different from other companies funds obtained from investors go directly to financing loans through our wholly-owned subsidiaries, Fin One Pty Ltd and Finance One Commercial Pty Ltd. This means that as an investment company, we are able to maintain strict control over what happens to investor funds as they are being allocated within our own businesses.
Capital raised from Investors will be loaned by Investors Central on a secured basis to its wholly-owned subsidiaries, Fin One Pty Ltd and Finance One Commercial Pty Ltd, to fund their consumer and commercial lending operations. Fin One Pty Ltd and Finance One Commercial Pty Ltd, are non-bank lenders that write consumer and commercial loans (respectively).
By allocating some of your excess finance to an investment company like Investors Central, you are not only diversifying your investment strategy, but also creating a passive income stream for yourself with monthly payments.
At Investors Central, transparency is at the forefront of our operations. You can download our most recent annual and half yearly reports directly from our website. All information and current events can be found in our blog which is updated on a regular basis and our Prospectus can be downloaded directly from our website for those who are considering making an investment.
We invite any potential Investors to attend one of our regular investor briefings which allow you to get to know our team and learn about the investment options that Investors Central offers. If you would like further information on our investment company please download the Prospectus.
The Australian government guarantee on deposits of up to $250,000 per account holder – referred to as the Financial Claims Scheme (FSC) – only applies to depositors with authorised deposit-taking institutions (ADIs) such as banks, building societies and credit unions in the event of the ADI failing.
Statutory Statement
The issuer of the securities is identified at the top of this page. The prospectus and, where applicable, target market determination for the product are available in the Documents section of this listing. Prospective investors should consider the Prospectus before deciding to acquire the securities and applications for securities must be made by completing the application form provided with the Prospectus. This product listing was vetted by and approved by the issuer identified above before publishing. Investment Markets (Aust) Pty Ltd AFSL 527875 (IM) is not the issuer of the securities.
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