Investment Risks

Investing in the Plenti Lending Platform (ARSN 169 500 449) is not without risk.

Below we summarise the key investment risks for the Flex Market, Plus Market and Green Market.

For more information on the risks specific to the Notes Market, please see the Notes Market investment risks page.

You should refer to our Product Disclosure Statement and the relevant Supplementary Product Disclosure Statement for a more detailed description of the key investment risks, as well as a description of other significant fund-specific risks, other significant lending-specific risks, other significant business lending-specific risks, and other significant general risks.

Borrower late payment or default

A borrower or series of borrowers to whom your funds are lent may delay or stop payment on a loan or default on a loan. You may be protected by Plenti making a claim to the Provision Fund, however, there is no guarantee nor warranty as to any protection from the Provision Fund, and as such you may suffer financial loss as a consequence of borrower late payment or default.

No Provision Fund protection

We may make a claim to the Provision Fund to compensate you in the event that the Note Purchase Trust is late in making an interest or principal payment or it defaults on its loan. However, the Provision Fund is not an insurance product and we cannot guarantee or warrant that you will be compensated. No deposit guarantee: Your investment is not a deposit and does not have the benefit of depositor protection laws as it would have if it were an amount deposited with an Australian ADI.

Assignment of your loan

If a borrower to whom your funds are matched defaults on a loan and you are not fully compensated by the Provision Fund, Plenti may assign that defaulted loan to a third party, such as a collections agency, for an amount it is able to negotiate or the Provision Fund for $1. Once a loan has been assigned, you may not benefit from any recoveries that may then be made from that borrower. Further information on the assignment of loans is provided in Section 8..2 of the Product Disclosure Statement.

Withdrawing funds before the end of indicative term

You are only able to withdraw (or reinvest) your funds at the end of the indicative term of the lending market in which they are invested, except where i) they are repaid to you through scheduled payments, ii) they are repaid to you by a borrower as a result of the borrower making an additional payment or repaying their loan early or iii) you are compensated by the Provision Fund.

When the early access transfer feature is available, you may be able to request an early access transfer to exit an investment in a loan before the end of its indicative term, provided there are funds from other lenders to replace your interests in that loan. An early access transfer request will not be fulfilled where, inter alia, the value of lender orders in that lending market following execution of the order would be less than the early access transfer market value limit or replacement funders would be matched to the relevant facilitating loan at a rate above the early access transfer rate limit, such limits as set by us from time to time and published on our website. The availability of the early access transfer feature is not guaranteed and may cease to be available to lenders without warning.

See Section 7.12 of the Product Disclosure Statement for more information on early access transfers.

Investment longer than indicative term

In the Flex Market, your funds may need to remain on loan to a borrower or series of borrowers in an investment, beyond the indicative term. This may occur if, at the end of the indicative term, there are insufficient investor funds available to replace your funds in a loan. This period could be as long as an additional 23 months.

If your funds in the Flex Market are committed to a loan beyond the indicative term, your funds may be returned to your holding account if your investment in the relevant loan is able to be replaced with the funds of a different investor, subject to the funds replacement buffer. If your funds are committed for a longer period, you will continue to receive payments (where paid by the borrower or you are compensated by the Provision Fund in the event that a borrower is late making payment or defaults) and your interest rate will remain the same.

In all investment markets, your investment may be longer than the indicative term in the event that a borrower or series of borrowers in whose loans you are invested are late in making payment and you are not compensated by the Provision Fund or other collection or recovery efforts.

Replacement funding may not be applied equally

In the event your funds and the funds of other investors in the Flex Market need to remain on loan to a borrower beyond the indicative term, the funds of other investors may be repaid before your funds are repaid and there is no guarantee that your funds will be repaid at the same time as other investors in the same loan.

Borrower default impact on the availability of funds

In the event of a borrower late payment or default where you have not benefited from Provision Fund protection, you may only be able to withdraw your funds relating to that loan when any collections or recoveries have been made against that loan.

Differences in borrower creditworthiness

Your investment may be impacted by differences in the creditworthiness of borrowers to whom your funds are matched in circumstances where lenders are not fully compensated by the Provision Fund in the event of borrower late payment or default. Plenti performs a comprehensive borrower risk assessment and lends only to creditworthy Australian-resident individuals and businesses, however, there may be differences between the creditworthiness of borrowers to whom your funds are matched and there may be different risks and different levels of overall risk associated with loans to individuals versus loans to businesses.

Ancillary arrangement default

Where there is an ancillary arrangement in relation to a loan to which your funds are matched, a party making payments pursuant to that ancillary arrangement may stop making payments or default on their obligations. In such circumstances, you may be protected by Plenti making a claim to the Provision Fund, however, there is no guarantee nor warranty as to any protection from the Provision Fund, and as such you may suffer financial loss as a consequence of the third party not meeting their obligations under the ancillary arrangement.

No deposit guarantee

Your investment is not a deposit and does not have the benefit of depositor protection laws as it would have if it were an amount deposited with an Australian ADI.

You can read more about the benefits and risks of investing in the Plenti Lending Platform (ARSN 169 500 449) (known as the Plenti Lending Platform) in our Product Disclosure Statement.

Important information*

This information does not constitute financial advice and you should consider whether it is appropriate to your circumstances before you act in reliance on it. Any opinions, forecasts or recommendations reflect the judgement and assumptions of Plenti as at the date of publication and may later change without notice.

Plenti Lending Platform

* Terms and conditions apply. The "Earn up to" rate represents the interest rate limit for each lending market with the maximum lending rate of 8.0% p.a. being for the Plus Market. Rates are not set by Plenti and are subject to the supply and demand of borrower and investor funds in each market.

^ Data as at 30 June 2025. Certain payments to investors may not have been processed as at the date of extracting this data. This data is updated quarterly.

Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. The availability of the early access transfer feature is at Plenti's discretion. Fees and charges apply. Capital at risk. See the PDS for details.

All figures stated represent the Plenti Lending Platform (ARSN 169 500 449) only unless stated otherwise.

Acknowledgement of Country

Plenti respects and honours Aboriginal and Torres Strait Islander Elders past, present and future. We acknowledge the stories, traditions and living cultures of Aboriginal and Torres Strait Islander peoples on this land and commit to building a brighter future together.

We recognise the Gadigal people of the Eora Nation, who are the traditional custodians of the land on which Plenti’s Sydney office stands, and the Kaurna people as the traditional owners of the Country where our Adelaide team is located.