Investible

Investible is a venture capital firm based in Sydney, Australia, focused on early-stage investments in high-potential startups. It operates the Investible Early Stage Fund II, which was established in 2021 and is dedicated to investing primarily in Australia, while also allocating a portion of its capital for startups in Southeast Asia. The fund targets investments in the information technology sector and aims to make approximately 50 investments, with individual contributions ranging from USD 0.15 to USD 0.7 million. Investible employs a unique approach to identify and nurture promising founders, providing not only capital but also active support to help them realize their business visions.

Hugh Bickerstaff

Chief Investment Officer

Elisa-Marie Dumas

Head of Partner Development & Corporate Innovation

Trevor Folsom

Co-Founder and Chairman

Creel Price

Founder & Director

Past deals in Australasia

Restoplus

Seed Round in 2023
Restoplus provides businesses with SSL-secured websites, mobile apps, online ordering systems, table booking systems, and marketing tools to improve their reach and enable online transactions. They have been a partner of restaurant owners in reducing third-party commissions, adding online presence, and improving customer retention.

Novalith Technologies

Series A in 2023
Novalith Technologies is a climate technology company that uses carbon dioxide to simplify lithium chemicals production. Novalith's LiCALTM lithium extraction technology uses significantly less equipment, chemical reagents, water and energy than conventional processing, which reduces capital and production costs. The direct use and sequestration of CO2 in producing lithium chemicals also produces a much smaller emissions footprint than existing and alternative processes.

Circle In

Venture Round in 2023
Circle In Pty Ltd is an Australian-based company that operates an online portal aimed at assisting organizations in managing the parental leave and return-to-work experiences of their employees. Founded in 2015 and previously known as Kate & Jodi Pty Ltd, the company offers a range of programs that include customized offerings, intelligent reporting, tailored content, and manager coaching. The platform provides career-focused resources for parents at various stages, from planning and expecting to taking leave and returning to work. By fostering a supportive environment for modern working parents, Circle In seeks to enhance employee engagement and productivity while helping organizations navigate the complexities of parental leave.

JigSpace

Series A in 2023
JigSpace Inc. is a company based in San Mateo, California, founded in 2015, that specializes in developing a platform for creating and sharing interactive, three-dimensional instructions. The platform allows users to view jigs in augmented reality and browse a library of interactive learning experiences. It features step-by-step interactive 3D breakdowns of complex concepts, products, and phenomena. Users can create free accounts to save their favorite jigs and receive notifications about new content. Additionally, the platform enables users to create their own jigs in a workshop environment and share them with others. By making it accessible for anyone to create and share these instructional tools, JigSpace aims to enhance learning experiences in a more engaging and effective manner.

ZeroJet

Series A in 2022
ZeroJet is an electric jet propulsion systems developing company for boats. They develop jet propulsion for the marine industry's transition to sustainable energy with electric jet propulsion systems.

Directo

Seed Round in 2022
Directo operates as an independent B2B e-commerce pharmacy marketplace.

Truescope

Seed Round in 2022
Truescope with makes better-informed communications decisions. While new tech determines they can deliver insights to clients, it's people that are critical to developing products and services. Truescope is building a team of the best developers, product designers, data analysts, and media intelligence experts to enhance clients' experience and deliver the next generation of media intelligence solutions.

iNSPIRETEK

Seed Round in 2021
Developer of a wellness management system designed for young athletes, improving mental health and well-being outcomes. The company's platform tracks wellness factors such as mood, sleep, fatigue, sickness, diet, training, and pain, enabling users with the ability to keep track of their whole health.

Emmi

Seed Round in 2021
Emmi is an Australian fintech and carbon risk solutions company.

Inspace XR

Seed Round in 2021
Inspace XR builds Augmented and Virtual Reality software for AEC (Architecture, Engineering, Construction) industries.Our signature product 'River Fox' allows users to create interactive, high-fidelity VR experiences from their CAD files in just 1 click. Learn more at www.inspacexr.com

Live Graphic Systems

Seed Round in 2021
Live Graphic Systems Pty Ltd offers an automated graphics and broadcast management software that offers TV-quality sports graphics. It offers live graphics solutions to sporting organizations and production companies. The company was founded in 2016 and is based in Sydney, Australia.

Quantum Brilliance

Seed Round in 2021
Quantum Brilliance builds and sells room temperature quantum computers powered by synthetic diamond, enabling applications in edge quantum computing and hybrid quantum-classical computing. We empower a future for ubiquitous quantum computing.

Programa

Seed Round in 2021
Programa is an all-in-one platform for professional designers, brands, renovators, and homeowners.Programa’s project management software seeks to solve workflow problems for the A&D industry to help them run projects more efficiently, and to seamlessly integrate with brands to make quoting and procurement far easier.

ReHeroes

Seed Round in 2021
ReHeroes, based in Melbourne, Australia, specializes in property management software that leverages artificial intelligence to streamline communication between tenants and property managers. Founded in 2018, the company offers an AI-powered chatbot named Alex, which addresses common tenant inquiries and automates maintenance requests. Alex facilitates interactions through various existing channels such as Messenger, SMS, and email, eliminating the need for separate portals or logins, thereby enhancing user adoption. By automating approximately 62% of tenant requests, ReHeroes significantly reduces the volume of emails and phone calls property managers must handle. Additionally, the software integrates seamlessly with cloud-based customer relationship management and maintenance systems, allowing for efficient management of tenant issues and inquiries.

JigSpace

Series A in 2021
JigSpace Inc. is a company based in San Mateo, California, founded in 2015, that specializes in developing a platform for creating and sharing interactive, three-dimensional instructions. The platform allows users to view jigs in augmented reality and browse a library of interactive learning experiences. It features step-by-step interactive 3D breakdowns of complex concepts, products, and phenomena. Users can create free accounts to save their favorite jigs and receive notifications about new content. Additionally, the platform enables users to create their own jigs in a workshop environment and share them with others. By making it accessible for anyone to create and share these instructional tools, JigSpace aims to enhance learning experiences in a more engaging and effective manner.

FifthDomain

Seed Round in 2020
FifthDomain is a cyber security education and training technology company focused on addressing the global skills shortage in this critical field. It offers on-demand learning environments that allow both future and existing cyber operators to engage with hands-on education and training content at their convenience. The company's virtual learning platforms provide flexible access to essential and current cyber security material, along with practical exercises conducted in a secure online setting. FifthDomain's services include dynamic content hosting, online virtual environments, learning labs, custom cyber ranges, and other related offerings, catering to students as well as government and corporate sectors to enhance their cyber defense capabilities.

iluminr

Seed Round in 2020
Catalyst Technologies is helping to evolve traditional crisis management practices by accelerating awareness, amplifying collaboration and automating responses to help organisations across the globe more effectively overcome business critical events. Our products provide early warning of possible threats such a as health pandemics, cyber attacks, natural catastrophes and security related incidents and the insights and tools to better minimise the impacts and maximise the opportunities.

JigSpace

Seed Round in 2020
JigSpace Inc. is a company based in San Mateo, California, founded in 2015, that specializes in developing a platform for creating and sharing interactive, three-dimensional instructions. The platform allows users to view jigs in augmented reality and browse a library of interactive learning experiences. It features step-by-step interactive 3D breakdowns of complex concepts, products, and phenomena. Users can create free accounts to save their favorite jigs and receive notifications about new content. Additionally, the platform enables users to create their own jigs in a workshop environment and share them with others. By making it accessible for anyone to create and share these instructional tools, JigSpace aims to enhance learning experiences in a more engaging and effective manner.

MerchantSpring

Seed Round in 2020
MerchantSpring is a cloud-based performance and analytics platform designed for professional marketplace sellers and agencies. It enables users to sync their marketplace stores, including those on Amazon, Walmart, eBay, and Shopify, to a comprehensive sales performance dashboard. This platform provides in-depth insights and reports that help sellers understand their performance and identify opportunities for improving sales and advertising across various marketplaces. MerchantSpring's features include multi-marketplace dashboards, seller health assessments, and analytics for advertising performance. The platform supports the management of numerous accounts across different geographies, allowing users to monitor sales and performance on over 100 marketplaces. Additionally, it integrates seamlessly with major platforms like ChannelAdvisor and IntelligentReach, making it accessible for retailers of all sizes. Pricing ranges from $19 to $599 per month, catering to different needs and scales of operation.

Live Graphic Systems

Seed Round in 2020
Live Graphic Systems Pty Ltd offers an automated graphics and broadcast management software that offers TV-quality sports graphics. It offers live graphics solutions to sporting organizations and production companies. The company was founded in 2016 and is based in Sydney, Australia.

Applied EV

Seed Round in 2020
AEV Robotics has built a modular vehicle system for cities.

Juggle Street

Venture Round in 2020
Juggle Street Pty. Ltd. is an on-demand job platform in Australia that connects busy families with local caregivers for babysitting, nannying, and after-school care. Founded in 2014 and based in Sydney, the platform allows parents to create job postings, which local helpers can review and apply for based on their availability and desired compensation. Helpers, who must be at least 13 years old and obtain guardian approval if under 18, receive job details via SMS and can decide whether to accept or decline an offer. Parents set their own rates, and helpers are compensated in cash upon job completion. The platform emphasizes safety through controlled visibility of personal information and profiles. Families receive a $7.50 credit upon joining, which can be used for posting jobs or discounts. Juggle Street has over 85,000 registered users and aims to tap into a previously underutilized pool of local caregivers, offering a flexible solution for families during the childcare years.

Effi

Pre Seed Round in 2020
Effi is a software as a service (SaaS) platform designed to assist mortgage brokers by streamlining administrative tasks and enhancing client interaction. The platform enables brokers to create a branded client portal, which collects essential information for home loan applications and improves the overall client experience. By utilizing artificial intelligence, Effi maximizes client support through digital engagement, helping brokers increase their conversion rates and maintain ongoing communication with clients. This approach not only enhances the credibility and value of the service offered by mortgage brokers but also facilitates quicker loan closures and boosts referral opportunities. Currently, Effi is in beta testing with a select group of brokers, refining its features and functionality for broader use in the mortgage industry.

Marlee

Seed Round in 2019
Marlee operates an online platform called Fingerprint For Success (F4S) that focuses on identifying and nurturing entrepreneurial leaders and teams. The platform leverages artificial intelligence to analyze cognitive and behavioral data, providing insights into individual and team motivations, behaviors, and performance. By offering personalized coaching programs, Marlee aims to help clients understand their strengths, weaknesses, and blind spots, thereby enhancing overall team dynamics and productivity. The service is designed to integrate seamlessly into the workflow, allowing users to access valuable insights and support anytime and anywhere.

Muso

Seed Round in 2019
Muso simplifies booking gigs by bringing them all to you. Sort through available gigs to find the perfect match. Muso is a newsfeed for gigs in your area and it's designed to save you time, meaning you can focus on the music.

WORK180

Venture Round in 2019
WORK180 is an online job portal based in Melbourne, Australia, dedicated to supporting women's careers by providing a transparent directory of endorsed employers. Founded in 2015 and formerly known as DCC Jobs Pty Ltd, the platform screens employers based on criteria such as pay equality, flexible working arrangements, paid parental leave, and the representation of women in leadership roles. By implementing a pre-screening process, WORK180 ensures that approximately 80% of companies that apply meet their standards for diversity, inclusion, and equality. This approach allows job applicants to access vital information about workplace policies, fostering an environment that promotes equitable opportunities for women in the workforce.

Inspace XR

Seed Round in 2019
Inspace XR builds Augmented and Virtual Reality software for AEC (Architecture, Engineering, Construction) industries.Our signature product 'River Fox' allows users to create interactive, high-fidelity VR experiences from their CAD files in just 1 click. Learn more at www.inspacexr.com

Inspace XR

Seed Round in 2019
Inspace XR builds Augmented and Virtual Reality software for AEC (Architecture, Engineering, Construction) industries.Our signature product 'River Fox' allows users to create interactive, high-fidelity VR experiences from their CAD files in just 1 click. Learn more at www.inspacexr.com

ShoreTrade

Seed Round in 2018
ShoreTrade Pty Ltd. is an Australian company that operates a seafood business-to-business application, facilitating direct sales between fishermen and fisheries and suppliers both domestically and globally. Founded in 2018 and based in Wahroonga, the platform allows fishers to upload details of their catch, including the date caught, pricing, and categorization. It serves a diverse clientele, including individual buyers and fish retailers, while also managing logistics for the transactions. The platform features search options that help users find seafood products tailored to their needs, providing detailed information about each catch, such as its name and catchment region. ShoreTrade aims to enhance the efficiency of seafood trading by offering end-to-end logistics solutions and connecting suppliers with fisheries directly.

Car Next Door

Corporate Round in 2018
Car Next Door is an online marketplace, providing a booking system and a range of in-vehicle technologies to make car-sharing safe, fast, keyless, and easy for both car owners and car borrowers. It will enable 10,000 Australians to share their cars with neighbors, thereby removing the dependency on personal vehicle ownership and fundamentally changing the way people make their transport decisions. Car Next Door is based in Sydney, Australia.

Car Next Door

Series B in 2018
Car Next Door is an online marketplace, providing a booking system and a range of in-vehicle technologies to make car-sharing safe, fast, keyless, and easy for both car owners and car borrowers. It will enable 10,000 Australians to share their cars with neighbors, thereby removing the dependency on personal vehicle ownership and fundamentally changing the way people make their transport decisions. Car Next Door is based in Sydney, Australia.

VoiceByte

Venture Round in 2017
VoiceByte is an application platform that allows its users to record and share their voice either privately or on social networks.

GeoSnapShot

Seed Round in 2017
GeoSnapShot is a photography platform specifically designed to bring a hassle-free solution to sports clubs globally at any type of sports events.

INAMO

Pre Seed Round in 2017
Inamo Pty Ltd is an Australian company based in Sydney, established in 2016, that focuses on designing and developing wearable technology for contactless payments. The company is currently in stealth mode and is set to launch its products in the United States in 2021.

Groupee

Seed Round in 2017
Groupee is a mobile application and payments platform. They make group dining effortless, allowing you to instantly split a bill with up to 20 friends at your favorite bars, restaurants and cafes, through your smartphone.

SuperFastDiet

Seed Round in 2017
SuperFastDiet is a healthcare and fitness platform.

Juggle Street

Seed Round in 2017
Juggle Street Pty. Ltd. is an on-demand job platform in Australia that connects busy families with local caregivers for babysitting, nannying, and after-school care. Founded in 2014 and based in Sydney, the platform allows parents to create job postings, which local helpers can review and apply for based on their availability and desired compensation. Helpers, who must be at least 13 years old and obtain guardian approval if under 18, receive job details via SMS and can decide whether to accept or decline an offer. Parents set their own rates, and helpers are compensated in cash upon job completion. The platform emphasizes safety through controlled visibility of personal information and profiles. Families receive a $7.50 credit upon joining, which can be used for posting jobs or discounts. Juggle Street has over 85,000 registered users and aims to tap into a previously underutilized pool of local caregivers, offering a flexible solution for families during the childcare years.

Pinchang Australia

Seed Round in 2017
Pinchang Australia is an e-commerce platform that engages in exporting premium food and beverages.

Marlee

Seed Round in 2017
Marlee operates an online platform called Fingerprint For Success (F4S) that focuses on identifying and nurturing entrepreneurial leaders and teams. The platform leverages artificial intelligence to analyze cognitive and behavioral data, providing insights into individual and team motivations, behaviors, and performance. By offering personalized coaching programs, Marlee aims to help clients understand their strengths, weaknesses, and blind spots, thereby enhancing overall team dynamics and productivity. The service is designed to integrate seamlessly into the workflow, allowing users to access valuable insights and support anytime and anywhere.

Shop You

Seed Round in 2016
Recently launched, Shop You is a personalised shopping app matching you with brands that suit your style, size and preferences, using artificial intelligence. Download now: https://itunes.apple.com/au/app/shop-you/id1228515675 Aptly titled 'predicative fashion,'​ Shop You is at the forefront of technology and fashion. Using data from search and purchasing behaviours, the app continuously learns about you over time. There is also a chat function that can be used to find a specific item, which uses natural language processing to understand your search queries. Our stylist, U, personalises the shopping experience and recommends fashion just for you. Allowing you to easily find what you want when you want it. The fashion accessory for the modern woman, U also intelligently learns over time what you like and what you don’t like, and you can adjust your style profile as your preferences change. “It’s like having a best friend/stylist on hand 24/7’ - Megan H. How it works? 1. Tell us your style 2. Your favourite brands 3. And, your body shape U will do the rest. With Shop You, it’s quick and easy to; • Find an outfit for any occasion • Be inspired by looks that suit you • Find fashion by category • Search for exactly what you want, when you want it • See what’s on sale Shop Witchery, Country Road, Uniqlo, Cotton On, Decjuba, Just Jeans, Jacqui E, Leona Edmiston, Lorna Jane, Lululemon plus many others. If you enjoy the app, please leave us a good review! If you want to improve U, or would like us to add one of your favourite brands, please email us u@shopyou.com.au we’d love to hear from you. Find out more at www.shopyou.com.au

ELANATION

Seed Round in 2016
A mobile SaaS start-up revolutionising sports education for youth, globally. Problem worth solving: Fifty percent of children can no longer access extra-curricular sport on a regular basis. The modern family is juggling between double working parents, increased sport fees, travel time and more. This growing health problem is costing families $600B in health expenses per year. Solution: Democratised access to extra-curricular sports content and skills. We unite kids, coaches and content on a daily basis using the latest in mobile, IoT and Ai technology. Our north star: Give 1 billion children access to 1 million skills. Awards: - No.1 Founder in Asia Pacific, 2018 - Winner, People's Choice Wild Card TechCrunch Disrupt, San Francisco 2017, USA - Winner, People's Choice, National Internet of Things Summit, October 2016, Australia - Winner, StarUP, National Internet of Things Summit, October 2016, Australia - Winner, Best Lifestyle Consumer Technology, Overseas Talent and Entrepreneurship, Beijing 2016 - Winner, Australian Best Startup, Overseas Talent and Entrepreneurship Conference, APAC, July 2016 - Winner, Start Up China, Winner of Chengdu Innovate, Chengdu China, 2016

beCred

Seed Round in 2016
beCred is a trade credit solutions platform.

Five Good Friends

Seed Round in 2016
Five Good Friends is an ageing platform that offers domestic assistance, personal care services, and more. The Five Good Friends app lets you know who is in the home, what services have been provided and connects you directly with your Community Manager and Helpers.

Recomazing

Seed Round in 2016
Recomazing is a recommendation platform that helps entrepreneurs Grow Faster Together. The world's leading business communities and innovation hubs use Recomazing to help members share and store recommendations for the best software and local suppliers to grow their business.

Car Next Door

Series A in 2015
Car Next Door is an online marketplace, providing a booking system and a range of in-vehicle technologies to make car-sharing safe, fast, keyless, and easy for both car owners and car borrowers. It will enable 10,000 Australians to share their cars with neighbors, thereby removing the dependency on personal vehicle ownership and fundamentally changing the way people make their transport decisions. Car Next Door is based in Sydney, Australia.

Freelancer

Post in 2015
Freelancer International Pty. Ltd. operates a prominent freelancing, outsourcing, and crowdsourcing marketplace, connecting a vast network of employers and freelancers globally. Founded in 1999 and based in Pyrmont, Australia, the platform allows employers to hire freelancers across various fields, including software development, writing, data entry, design, engineering, sales, marketing, accounting, and legal services. The marketplace facilitates project posting, enabling employers to receive competitive bids from freelancers. With over 41 million users from more than 247 countries, Freelancer serves a diverse clientele, ranging from entrepreneurs and start-ups to established companies. The company was formerly known as Freelancer Australia Pty Limited and rebranded in 2011. Freelancer Technology Pty Limited, a subsidiary of Freelancer Limited, licenses the Freelancer trademark and contributes to the platform's operations.

DisruptSports.com

Angel Round in 2014
Disrupt is creating the words first fully customizable sport gear platform. Using 3D printing files to customize the size, shape, color, contours and materials of your surfboard and other sporting goods. You can download the 3D file, print at home so you have a copy whilst we’re making and shipping the real version to you.

Canva

Seed Round in 2013
Canva is a graphic design software solutions provider that helps users to design presentations, social media graphics, and more with various layouts, images, photo filters, icons and shapes, and fonts. The platform combines a drag-and-drop design tool with a stock library of photographs, illustrations, and imagery. The company is on a mission to simplify the process of graphic design for photographers, illustrators, and designers globally. Canva was established in 2012 and is based in Sydney, Australia.

Posse

Seed Round in 2013
Posse Holdings Limited operates an innovative online platform designed to connect users with shops and local recommendations. Founded in 2008 and based in Surry Hills, Australia, Posse allows members to curate their favorite places, such as restaurants and shops, while sharing recommendations with friends. The platform functions as a social search engine, enabling users to discover popular spots based on the preferences of their social network. Retailers benefit from a dedicated dashboard that provides insights into customer engagement, including who has favorited their store and feedback from visitors. This allows businesses to interact with customers through thank-you messages, gifts, and targeted incentives. Posse also offers a mobile application to enhance user accessibility and engagement.

Market Engine

Venture Round in 2011
Market Engine is a global retailing software and support company that enables businesses to manage their own fully translated e-commerce solution. Using its proprietary technology, global brands access global market places and transact with over 0.5 billion customers in over 30 different countries and territories, across over 20 currencies. Market Engine’s cloud retail platform manages all aspects of online retail for its users’ brands in different markets, including local online shop front designs translated from English into the local language, real-time reporting and sales analysis, multi-currency payments, payment processing, customer enquiries and support, and door to door logistics and delivery.

Wooboard.com

Seed Round in 2011
Wooboard Pty Ltd. is an Australian company based in Surry Hills that specializes in providing software as a service to enhance employee morale, productivity, and teamwork within organizations. Founded in 2011, Wooboard focuses on fostering a culture of recognition among employees by enabling peer-to-peer acknowledgment through its platform. Users can give a 'Woo' to colleagues for noteworthy contributions, allowing both the giver and receiver to earn points. Accumulating points facilitates advancement through different levels within the system. The recognition activity is shared with the entire team via an activity stream and email notifications, promoting a supportive work environment. Wooboard operates as a subsidiary of REFFIND Ltd. since 2015.

Dealised

Series A in 2011
What is Dealised? Dealised is a plug-and-play Group Buying Platform, inspired by Groupon. It currently powers millions of dollars of deals around the world and includes a wide range of features, including a robust deal platform, payment gateway and email management. Why Dealised? Dealised is a premium, enterprise-grade group-buying platform and services provider. Our expertise lies in helping media companies enter and conquer their market quickly. We are not a turnkey solution. When you work with Dealised, you form a long-term partnership. Currently, there are six group-buying businesses in the Dealised Partner Network. We power these sites technically to provide tens of thousands of vouchers weekly, while also providing strategic sales and marketing support. If you’d like to talk to us about becoming a Dealised partner, email us and we’ll get back to you soon.

Brandscreen

Venture Round in 2011
We're a real-time media trading tech startup with offices in Sydney (where all our R&D magic happens), Singapore (our head office) and have a partner office in Shanghai, China. Founded in 2006, we've already established ourselves as a global leader in the real-time media trading industry and are passionate about changing the way online ad space is bought and sold. We're equally as passionate about finding great people to work with.

Bubble Gum Interactive

Seed Round in 2011
Bubble Gum Interactive Pty Ltd is an independent game development studio based in Sydney, Australia, established in 2010. The company specializes in creating story-driven entertainment experiences, including mobile games and interactive applications for various brands. Notable projects include the virtual world "Space Heroes Universe!" and other mobile games that cater to diverse audiences. Bubble Gum Interactive has received funding through venture capital, angel investments, and government grants, which support its innovative approach to game and app development.

Pollenizer

Seed Round in 2010
Pollenizer was an incubator and early-stage venture capital firm based in Australia, with an additional office in Singapore. The company focused on co-founding and investing in startup businesses across Australia and Southeast Asia, including Singapore, Manila, Bangkok, and Jakarta. Pollenizer partnered with strong founders at the concept stage, primarily in consumer and SaaS sectors, taking equity stakes and occasionally making seed investments. Their portfolio included notable startups such as Spreets, Posse, and TravelCandy. The firm also managed a Seed Fund that targeted investments in software and technology sectors, typically ranging from $10,000 to $100,000. Pollenizer's team included experienced professionals from the technology sector, enhancing their ability to support fledgling companies. Despite its past successes and contributions to the startup ecosystem, Pollenizer is no longer in operation.

Wisr

Seed Round in 2006
Wisr Limited operates in the lending industry in Australia, focusing on personal loans with maturities of 3, 5, and 7 years. The company provides these loans to consumers and subsequently sells them to various investors, including retail, wholesale, and institutional entities. Wisr's platform integrates retail investment and lending services, allowing investors to directly invest in personal loans through a regulated product. Investors purchase units in the DirectMoney Personal Loan Income Fund, while borrowers with strong credit and employment histories receive tailored interest rates based on their credit ratings. This approach represents an innovation in the Australian market, where traditional lenders typically offer a single interest rate based on a uniform credit grade. Wisr Limited, incorporated in 1966 and headquartered in Sydney, operates at the regulated mainstream end of the peer-to-peer lending sector.