Plenti takes its legal and compliance obligations seriously.

Legal and regulatory compliance information

Plenti is regulated by the Australian Securities and Investments Commission (ASIC) and is licensed to accept retail investors in Australia.

Regulatory licences

Plenti holds Australian financial services licence (AFSL) number 449176 and Australian credit licence (ACL) number 449176. To gain and then comply with its AFSL and ACL licences, Plenti has to meet a number of thresholds, not limited to: meeting senior management experience and competency requirements; meeting minimum operating capital requirements; appropriately segregating investor funds; commissioning annual audits of segregated bank accounts; employing appropriate credit and affordability assessments; providing clear rules governing use of the platform; maintaining marketing and customer communications that are clear, fair and not misleading; providing secure and reliable IT systems; and providing fair complaints handling.

Registered managed investment scheme

Plenti is the responsible entity of the Plenti Lending Platform ARSN 169 500 449, a managed investment scheme that is registered with ASIC.

The registration of the Plenti Lending Platform with ASIC requires Plenti to comply with obligations additional to those under its AFSL and ACL. Amongst other things Plenti must maintain a compliance committee to oversee compliance with its regulatory obligations and licence conditions; commission annual audits of the financial records of Plenti and the Plenti Lending Platform itself; commission an annual audit of Plenti’s adherence to its compliance obligations; meet increased minimum operating capital requirements; produce a Product Disclosure Statement for the Plenti Lending Platform that clearly describes, amongst other things, the key features, benefits, risks and fees of its offering; and meet certain continuous disclosure obligations to investors.

To invest in loans through Plenti, you must first register and then become a member of the Plenti Lending Platform. Detailed information about the Plenti Lending Platform is available in our Product Disclosure Statement, which you should read before making any decision about your investment choices.

Holding of investor funds

When you invest in the Plenti Lending Platform, the funds in your holding account are held on trust, in a bank account with an Australian authorised deposit-taking institution held by the appointed custodian for the Plenti Lending Platform. These funds are held separately to Plenti’s own funds. The custodian also acts as the legal lender of record in relation to loans made to borrowers.

An important characteristic of the Plenti Lending Platform is that each investor’s portfolio (i.e. cash and loans) is held by Plenti as a separate trust for that investor. We think this is important as we believe this helps to minimise an investor’s risk.

Related companies

The parent company of Plenti Australia RE Limited is Plenti Pty Limited ABN 29 161 376 638. Plenti Pty Limited provides various services to Plenti Australia RE Limited.

Terms and conditions

By accessing or using the Website or the Platform, you agree to be bound by our Terms and Conditions. If you do not agree to our Terms and Conditions or any revisions of this Website, you should not use this Website and/or any information derived as a result of the use of this Website, including the Platform.

Privacy policy

We are committed to putting you in control of your privacy, whilst maintaining our primary responsibility to ensure that Plenti is a secure way to borrow and invest money. These responsibilities extend to, amongst other things, fraud, money laundering and other crime prevention; to careful credit assessment using manual and automated data collection; and to validating the identity of all users of Plenti in accordance with Australian laws. View our privacy policy.


We hope you will not have cause to do so, but if you have a complaint, in the first instance, please email us at complaints at or call us on 1300 768 710. Please include brief details of your complaint and your Plenti account number if possible.

If you feel we haven’t addressed your problem adequately after using our internal complaints procedure, we can provide you with the contact details of the Australian Financial Complaints Authority (AFCA), of which Plenti is a member (number 32003). View our complaints policy.


A TMD is a written document that describes the class of consumers that comprises the target market for a financial product and matters relevant to the product’s distribution and review. We are required to disclose the TMD for each of our loan products. See our TMD documentation.