Company Interview / MoneyMe executes record $365M securitisation as investor demand surges

Key Points:

Record $365.4m personal loan ABS deal takes 2026 issuance above $1b Oversubscribed book from domestic and offshore investors, constrained by asset pool size Growth focus on auto, personal loans and emerging credit card portfolio via multiple ABS programmes

MoneyMe has completed what Group Treasurer Nigel Bradshaw describes as the company’s largest ever personal loan asset-backed securities transaction, at $365.4 million, taking total issuance in 2026 above $1 billion. Bradshaw states this deal is part of an ongoing capital markets strategy designed to lower funding costs, improve risk‑adjusted net interest margin and recycle warehouse capacity with bank partners to support further loan growth.

Bradshaw highlights strong demand from both domestic and offshore investors, noting the book is significantly oversubscribed. In his view, the main constraint on deal size is the available pool of personal loans, and a larger portfolio could have supported an even bigger transaction. He links this outcome to deliberate work in Asia, Europe and the UK to broaden MoneyMe’s investor base, amid what he characterises as a favourable Australian macro backdrop and a global search for high‑quality consumer assets.

Auto loans and personal loans are cited as the current growth engines, with credit cards identified as the next major focus. Bradshaw points to MoneyMe’s new credit card product and signals plans for dedicated ABS programmes across auto, personal loan and credit card receivables, while maintaining a strong emphasis on granular, risk‑based pricing and high‑credit‑quality borrower segments.