Credit Intelligence Ltd is an Australian, publically listed business (ASX: CI1). It is a leader in providing debt products and services, ranging from debt restructuring, personal insolvency management, the provision of bankruptcy administration services, Individual Voluntary Arrangements (IVA), to business and personal loans, including Buy Now, Pay Later (BNPL).

Operating in Australia, Hong Kong and Singapore, Credit Intelligence employs over 60 qualified professionals and industry experts. Through its bankruptcy administration services, the business works with over 30 banks, including HSBC, Standard Chartered Bank, Bank of China and Citibank. It also played a central role in shaping Individual Voluntary Arrangements in Hong Kong.

In 2019, Credit Intelligence acquired two Singaporean lending businesses, ICS Funding and Hup Hoe Credit, intending to grow its SME and retail loan books. Credit Intelligence then proceeded with its first Australian acquisition, Chapter 2. A specialist in debt negotiation, Chapter 2 also offers subprime debt solutions and mortgage brokering services, to the Australian market.

After the success of Chapter 2, this led to the next Australian acquisition, Yozo Finance, and to entering the Buy-No-Pay-Later sector. To compliment this business, OneStep Information Technology, an artificial intelligence venture, was also acquired. These businesses now collaborate to provide customers a simplified but advanced, user loan application experience.

Credit Intelligence has launched an online shopping platform ( and will initially focus on the local market in Hong Kong, covering a wide range of consumer products including home appliances, electronic products, wine, food and beverages, premium imported fresh products in order to capture the opportunity in changing consumer behaviour in the personal BNPL sector since the outbreak of COVID 19.

Credit Intelligence now plans to expand to other territories, where it will continue to offer unique and dynamic debt products and services, tailored to meet every customer's unique financial situation. The business remains committed to these plans of expansion and growth and to creating value for its shareholders.


Meet The Team