Our Credit and Risk Framework
Credit & Funding Structure
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Volans operates as a non-bank, portfolio-secured lender under an Australian Financial Services Licence.
Volans is the lender of record and primary underwriter on every facility.
Clients contract directly with Volans — not with our funding partners.
We manage credit structuring, documentation, monitoring and margin end-to-end.
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Our loan book is funded through a diversified panel of institutional banks.
Facilities are governed by clear, pre-agreed parameters around collateral, LVRs, concentration and margin.
We deliberately avoid reliance on any single funding provider.
Clients and platforms see one counterparty and one consistent set of credit rules.
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All loans are screened, underwritten and approved by Volans.
Facilities must meet both funding partner criteria and Volans’ internal risk standards.
Ongoing compliance with risk settings is actively monitored.
Banks are exposed to a curated, monitored wholesale portfolio — not a distributed network.
Underwriting, Collateral & Risk Management
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Credit assessment considers counterparty structure and governance, portfolio composition and transaction purpose.
Portfolios are assessed for liquidity, concentration, volatility and diversification.
Each facility is documented with internal approvals suitable for audit and regulatory review.
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Eligible collateral is limited to assets that can be reliably valued and monitored.
LVRs are set at both asset and portfolio level.
More liquid and diversified assets receive higher LVRs; concentrated or volatile assets are treated conservatively.
Risk settings are reviewed as market conditions change.
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Collateral and LVRs are monitored on a regular basis.
Margin thresholds and cure periods are clearly defined in documentation.
Where required, action is taken in a predictable and orderly manner.
Our approach prioritises transparency and controlled outcomes.
Governance Control & Compliance
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Volans takes enforceable security over collateral in line with Australian law and, where relevant, foreign law.
Assets are held with recognised custodians or under account structures that provide effective control.
Clarity of title, segregation and enforceability are core design principles.
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Volans maintains an AML/CTF program aligned with AUSTRAC requirements.
We apply risk-based KYC, sanctions and PEP screening across all clients and structures.
Ongoing monitoring and reporting processes are in place.
Structures lacking transparency or designed to evade compliance are not supported.
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Volans operates under documented risk appetite statements and formal policies.
Board and risk oversight is supported by regular reporting across credit, collateral, margin and compliance metrics.
Our control environment is designed to be audit-ready and regulator-ready.
Volans works exclusively with wholesale and professional investors, typical clients include HNW/UHNW individuals, family investment entities, corporates, SMSFs and foundations that qualify as wholesale. Volans does not market too or onboard retail clients.