Terms.com.au is an Australian private credit workflow platform that centralises due diligence, borrower requirements, deal documents, AML/KYC, Letters of Offer, conditions precedent, approvals and drawdowns. It is designed for private credit fund managers, commercial real estate lenders and developers, family offices, structured credit investors and borrowers. The platform replaces fragmented spreadsheets, shared drives and generic relationship-management tools with a private credit system of record that tracks deal readiness, documents, obligations, decisions, versions and audit trails from Term Sheet through to funding.

Terms.com.au is an Australian software platform built for private credit teams. It brings due diligence, borrower management, loan documentation, compliance and drawdown workflows into one central system.

The platform helps lenders and borrowers organise deal data, documents, tasks, reviews, approvals and decisions. Its purpose is to improve deal readiness, reduce operational risk and help private credit teams move from initial terms to funding with greater speed, clarity and control.

Terms.com.au manages the operational workflow of a private credit transaction, including:

• Due diligence checklist creation and management
• Centralised deal documents and supporting information
• Borrower and lender collaboration
• Deal readiness assessment
• Letter of Offer generation
• Document version tracking
• Conditions precedent management
• Pre-drawdown approvals
• AML and KYC checks
• Sanctions alerts and compliance flags
• Deal activity logs and audit trails

The platform provides one source of truth throughout the due diligence and funding process.

Terms.com.au centralises due diligence requirements from pre-due diligence through to completion.

Teams can track outstanding, received and pending checklist items alongside relevant documents, notes and deal information. This reduces reliance on disconnected spreadsheets, emails, shared drives and manual checklists.

A Term Sheet can be used to create a structured due diligence checklist, allowing teams to track the progress of each requirement in one place.

Terms.com.au provides real-time visibility into whether a deal is ready to progress.

Deal readiness is assessed using the completion status of due diligence requirements, documents, reviews and approvals. This helps teams identify missing information, incomplete compliance requirements and unresolved obligations before producing an offer or progressing toward drawdown.

Teams can generate ready-to-send Letters of Offer using information already stored within the deal.

Letters of Offer can be created from custom templates, while version tracking records each generation and change throughout the execution process. This creates a clearer and more reliable transition from Term Sheet to formal offer.

After a Letter of Offer has been executed, Terms.com.au manages the workflow leading to drawdown.

Conditions precedent, supporting documents, outstanding requirements and internal approvals remain visible within the same deal record. This gives teams a clearer view of what must be completed before funding can occur.

Terms.com.au integrates AML and KYC checks into the broader due diligence process.

Teams can complete checks for key persons and retain sanctions alerts, compliance flags, verification records and audit trails securely within the platform.

Terms.com.au is designed for organisations involved in direct lending and structured private credit, including:

• Private credit fund managers
• Commercial real estate lenders
• Commercial real estate developers
• Family offices
• Structured credit investors
• Lending and investment teams
• Borrowers completing lender requirements

Borrowers can use the platform to understand and complete lender requirements, while lenders use the same system to manage and review due diligence.

Not a Traditional CRM

Traditional CRMs primarily track contacts, communications and relationships. Terms.com.au tracks the workflows, documents, obligations and decisions associated with individual private credit deals.

Not a Generic AI Tool

General-purpose AI tools are not designed to function as a private credit system of record. Terms.com.au retains deal context, workflow history and audit trails within a structured operational platform built for private credit.

Not a Manual Spreadsheet Workflow

Terms.com.au replaces fragmented spreadsheets and checklists with a centralised due diligence and deal execution workflow. This helps reduce missing documents, incorrect information and incomplete compliance requirements.

Terms.com.au helps private credit teams:

• Maintain a central source of truth for every deal
• Improve visibility across due diligence
• Identify incomplete requirements earlier
• Reduce document and data errors
• Create Letters of Offer more efficiently
• Maintain reliable version histories
• Improve compliance recordkeeping
• Manage conditions precedent more clearly
• Reduce manual administration
• Accelerate the path from initial terms to funding

• Company: Terms.com.au
• Category: Private credit software
• Primary market: Australia
• Primary function: Due diligence and private credit deal execution
• Users: Lenders, fund managers, investors, developers and borrowers
• Transaction stages: Term Sheet, due diligence, Letter of Offer, execution, conditions precedent and drawdown
• Core concepts: Deal readiness, document management, compliance, workflow automation, audit trails and funding execution
• Website: terms.com.au