One Lending Fund lends to small and medium-sized businesses located in Australia, thus providing strong, consistent and predictable returns, tapping the strong AUD$20 billion potential market opportunity by 2,300,000 SMEs in Australia seeking financing and cash flow solutions. All Loans will be secured by first or second-ranking mortgages over property located in Australia and in some cases personal/directors’ guarantees will be obtained.

The underwriting, funding, and loan management is performed and managed by N1 Asset Management. N1 Asset Management has a thorough underwriting process and strong credit committee with over AUD$2bil credit experience, to make sure loans are only made to borrowers that have a high probability of success with the business and the ability to refinance the property if needed. The trustee is also performed by N1 Asset Management.

The management of N1 is also overseen by a highly experienced board of directors. For more information on N1 Holdings Ltd please refer website

* Wholesale investors only

Investing with N1 gives you confidence.

* Wholesale investors only

Net 5% p.a. for 6 months or
Net 6% p.a. for 12 months or
Net 7% p.a. for a 24 months

Personal Guarantee


Target Return


Loan Security

Rigid credit policy, Australian real estate security only, no constructions loans.


Loan Size

Loans are made to asset strong Small and Medium Enterprises owners average loan size of approximately $1.3m.


Leverage Ratio

Low leverage ratio which is currently running on average at about 66.8% with maximum 75% on credit policy.


Diversified Portfolio

Borrowers' personal guarantee is required.

A diversified portfolio, your fund is not concentrated on a single borrower.

Need more details? Contact us

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