Seriously Compliant Software · Brisbane, Australia
From application to final payout — contracts, payments, collections, credit reporting and correspondence in a single platform, engineered to the NCCP Act, National Credit Code, and Privacy Act.
Two products, one lending ecosystem
Loan & Consumer Lease Management. Manage the full lifecycle of an active portfolio — contracts, payments, collections, credit reporting — with NCC-compliance in every workflow.
Loan Origination & Client Onboarding. Take a prospect from enquiry through KYC, credit assessment, and digital contract signing — then hand off to the LMS for ongoing management.
Designed to work independently, stronger together. MINIT CRM feeds approved applications directly into the Min-IT LMS — no spreadsheets, no manual re-keying, no reconciliation.
The flagship product
Centralised client profiles, multi-loan visibility, e-signed contracts, and full document storage. One screen, complete picture.
Weekly, fortnightly, and monthly schedules calculated automatically. Arrangements, hardship postponements, and rate changes recalculate in one click.
Daily "To Do" list alerts staff to every required action. Overdue letters, default notices, and pre-possession authorities generated in sequence.
Default Notices (Form 12A), DDR Default Notices (Form 11A), Privacy Notices (Form 6Q & 21D), Arrangement and Hardship Letters — all automated.
Brisbane-based data centre, HTTPS-only access, role-based security, MySQL databases, hourly incremental and daily full backups with proven disaster recovery.
REST API with 50+ transcodes, webhook events for real-time notifications, and Consumer Data Right (CDR) data adapter capability. JSON throughout.
Compliance, built in — not bolted on
Every contract includes the Financial Table, Schedule, General Conditions, and Information Statement (Form 5). Disclosure dates, fee disclosures and maximum recovery calculations are computed automatically.
Built-in hardship application and postponement workflows ensure lenders meet their obligations under Section 72 of the National Credit Code.
Privacy notice generation and CRB listing workflows are fully aligned with the Privacy Act 1988, ensuring correct disclosure to credit reporting bodies.
Now introducing
Our newest platform extends the Min-IT lending ecosystem with a dedicated loan-origination and CRM layer. Designed to sit alongside the LMS, so the origination pipeline and the loan portfolio stay connected — no spreadsheets, no manual handoffs.
01
Branch, contact centre, mobile lending, broker, and direct-to-consumer. One pipeline, five delivery channels.
02
GBG biometric verification, Equifax identity data, ComplyAdvantage PEP and sanctions screening — AUSTRAC-aligned.
03
CreditSense and TaleFin deliver bank-based credit analysis, scores, risk grades, and bureau references inside the application.
04
Contracts auto-generated from application data, sent via email or SMS, signed electronically via OpenSign — full audit trail.
05
Self-service borrower portal with loan dashboard, repayment history, arrears view, and financial summary.
06
Pipeline, approval rate, average loan amount, processing time — instant visibility powered by Azure Web PubSub.
Supported loan types
Who uses Min-IT
Personal loans, cash loans, and everyday consumer credit providers.
Small and medium amount credit contract operators with tight compliance windows.
SME and commercial finance providers needing a dedicated business module.
Point-of-sale and rent-to-own finance with consumer lease support.
Loan submission and tracking on behalf of client lenders.
Consumer lease and chattel mortgage providers across the lifecycle.
Australian-built, Australian-supported
01
Min-IT isn't a generic overseas platform adapted for Australia. We built the system completely from scratch ourselves, from the ground up, for Australian consumer credit law. When an issue comes up, we know how to fix it quickly.
02
Your data lives in a secure commercial data centre in Brisbane — not offshore. Servers are backed up incrementally every hour and fully every day, with industrial-strength MySQL and proven disaster recovery.
03
When you call, you talk to someone in Australia who knows the National Credit Code, knows our software, and knows your business — not a tiered overseas help desk.
What our clients say
"Min-IT is a no nonsense Lender System that is affordable with an easy-to-use interface. We have used Min-IT for quite a few years and rate it as excellent."
"Prior to switching to Min-IT, our multiple offices meant multiple headaches running our loan portfolios. Now with more offices to manage, our admin time has actually been reduced — and that means dollars saved."
"Above all, the support Min-IT has provided us is invaluable — not just in maintaining the system but keeping us compliant with the credit laws so we can focus on generating more business."
"The biggest value-add Min-IT has brought to our business is the functionality to process high-volume transactions. This has enabled us to dramatically increase volumes without increasing manpower overheads."
"The features we like best are the loan contracts being compliant — saving us money from having our own lawyer review them every time an update is required — the direct debit system, the built-in SMS, and easy-to-change payment schedules. We investigated a lot of systems before settling on Min-IT."
Request a demo
Book a personalised walkthrough with our Australian-based team. We'll show you exactly how Min-IT handles your specific lending products, compliance workflow, and reporting requirements.
Post
PO Box 142
Cannon Hill QLD 4170, Australia