Know before you sign.
Credd turns a commercial Section 32, contract and leases into a one-page risk report in minutes. Yields, lease risk, title issues and the questions to ask the agent, with every finding linked to the page it came from.
Launching first in Victoria.
High
Watch
Clear
Every finding is citedEach result links to the document and page it came from.
Nothing is guessedIf the documents don't say it, Credd says "not found".
Built for VictoriaRetail Leases Act, CIPT and GST checks built in.
How it works
From a stack of PDFs to a clear answer.
A commercial Section 32 can run to 100 pages of title searches, certificates and leases. Credd reads all of it so you can focus on the deal.
Upload the documents
The Section 32, contract of sale and any leases. Scanned pages are fine.
Credd reads every page
Title, planning, outgoings, GST and each lease, cross-checked three times for consistency.
Get a one-page report
Yields, WALE, lease expiry risk, red and amber flags, and a list of questions for the selling agent.
What it checks
The things that change the price.
Credd focuses on the issues that affect income, value and what you can do with the property.
Title
- Caveats and mortgages
- Easements and covenants
- Section 173 agreements
Planning
- Zone and overlays
- Heritage controls
- Planning permits
Leases
- Rent, reviews and options
- Break and demolition clauses
- Ratchets and security
Income
- Gross and net yield
- WALE to expiry and first break
- Income expiring in 24 months
Outgoings
- Rates, land tax and OC fees
- What tenants actually recover
- Retail Leases Act limits
Tax and building
- GST going concern
- CIPT status
- Building permits and owner-builder works
First look
Only have the brochure?
Upload the agent's information memorandum and Credd gives you a first look: the yield at your price, the lease position and exactly which documents to request next. Every figure is clearly labelled as the agent's claim until the documents confirm it.
- Rent
- $64,000 net + GST agent-stated
- Yield at $1.1m
- 5.8%
- Lease
- Ends Jun 2027, no option calculated
- Income at risk
- 100% within 24 months
- Zone
- Commercial 1 agent-stated
Request next: contract, Section 32, current lease, outgoings statement, ESM records.
Who it's for
For the people who have to get it right.
Buyer's agents
Screen more properties, faster, and show clients exactly why a deal does or doesn't stack up.
SMSF advisers and accountants
Check the income and risk before a client's fund commits to a property.
Commercial brokers
Understand lease and income risk before you take a deal to a lender.
Private investors
Know which questions to ask before you pay for a full legal review.
Early access
Join the waitlist.
Credd is launching in Victoria first. Join the waitlist to be first in line.
- Early access before public launch
- Founding member pricing
- A say in what Credd checks next
FAQ
Questions
Is this legal advice?
No. Credd gives you information to help you assess a property quickly and ask better questions. Always have a lawyer or conveyancer review the contract before you sign.
Which documents does it need?
The Section 32 vendor statement, the contract of sale and any current leases. If you only have the agent's brochure, Credd can still give you a first look.
How accurate is it?
Every finding cites the document and page it came from, so you can check it in seconds. Each document is read three times and the results compared, and anything Credd can't confirm is flagged rather than guessed.
Which states does it cover?
Victoria first, because Victorian Section 32 statements follow a set format. Other states will follow.
Who's behind Credd?
Credd is built in Melbourne by a commercial lawyer who got tired of reading 100-page vendor statements to find the three things that matter.