Skip Tracing for Lenders and Finance Companies
Re-establish contact on defaulted facilities — and establish what security is actually there — without creating a compliance problem.
- Licensed investigators — Australia-wide
- 20+ years locating people, debtors and businesses
- Verified results, not unconfirmed database matches
- Confidential handling on every matter
No obligation. We'll tell you honestly whether we can help before you commit.
Start a confidential enquiry
Most enquiries answered the same business day.
Licensed inquiry agent
Registered with the Private Agents Registry, Victoria Police
Ask any firm you are considering for their registration. An unlicensed trace is a risk you inherit.
- years
- 25+ Locating people, debtors and businesses
- law firms
- 500+ Trust us with their matters
- followers
- 1K On LinkedIn
- states & territories
- 8 Metro and regional, Australia-wide
How we help finance & banking
Lenders and finance companies engage us to locate borrowers and guarantors who have become uncontactable on defaulted facilities, and to establish the asset and security position before recovery action. Work is conducted by licensed investigators under the Privacy Act 1988 and the Australian Privacy Principles.
The problems we are usually called about
The borrower has stopped responding
A facility is in arrears and the contact details on the application are no longer current.
The guarantor cannot be located
Security depends on a guarantor who has moved without notice.
The asset position is unknown
Whether to enforce depends on what the borrower actually owns, and what is already encumbered.
An entire portfolio has decayed
A defaulted book where a growing share is uncontactable, and per-file economics have to work.
Regulatory scrutiny is real
Contact practices and information handling in this sector attract attention. A supplier shortcut becomes your finding.
Hardship obligations still apply
Re-establishing contact frequently matters as much for hardship processes as for recovery.
What we do for you
Borrower location on default
Re-establishing contact where arrears have accrued and the borrower is uncontactable.
Guarantor tracing
Locating guarantors before security is called upon.
Asset and title searches
Establishing property ownership, encumbrances and bankruptcy status before enforcement.
Company and director searches
Identifying who stands behind a corporate borrower and what related entities exist.
Portfolio tracing
Bulk address and contact refresh across a defaulted book, priced per file.
Hardship contact
Re-establishing contact where a customer has disengaged and hardship options need to be discussed.
The real question
Does engaging us create a compliance problem?
It is the right question, and it is the one this sector is asked about afterwards. Credit reporting information is separately and strictly regulated under Part IIIA of the Privacy Act 1988 — access is limited to permitted purposes by permitted entities, and a skip trace does not involve providing a credit report to a client.
What we provide is a located address and verified contact details, obtained lawfully, with a record of the searches performed to reach them. That record is the point: if your handling of a file is ever reviewed, the basis of the information is documented rather than asserted.
We are licensed, we operate under the Australian Privacy Principles, and where a matter relates to recovery our conduct follows the joint ACCC and ASIC Debt Collection Guideline. We will confirm all of that in writing before you instruct us, because for a regulated lender that is a procurement requirement rather than a courtesy.
Working with us
Fixed fees, confirmed in writing
Quoted before work begins, so the cost can be passed on or budgeted without variation.
Volume pricing
Bulk and recurring work is priced per file and falls well below individual matter rates.
One provider, every state
Australia-wide coverage means no second agent for interstate matters.
Reporting you can rely on
Every result comes with the record of searches performed to reach it.
Finance & Banking — frequently asked questions
Do you access credit files?
Credit reporting information is strictly regulated under Part IIIA of the Privacy Act 1988, with access limited to permitted purposes by permitted entities. A skip trace does not involve providing a credit report to a client. What you receive is a located address and verified contact details, with a record of the searches performed.
How do you evidence that information was lawfully obtained?
Every report records the searches performed and the information obtained at each stage. If your handling of a file is later reviewed, the basis of the information is documented rather than asserted.
Are you licensed?
Yes. Licensing in Australia is administered state by state. We are licensed by Victoria Police under the Private Security Act 2004 (Vic) and conduct work in accordance with the requirements applying in the relevant jurisdiction.
Can you trace guarantors as well as borrowers?
Yes. Guarantor location is routine, including where the guarantor has moved interstate since the facility was written.
Can you establish what security is available?
Yes — property and title searches, company and directorship records, bankruptcy and insolvency status, and registered interests, typically returned within 24 hours.
How is portfolio work priced?
Per file, from $50, with a sample assessed before quoting so you see a realistic hit rate on your actual data before committing the book.
Do you contact our customers?
Not as part of a trace. We establish location only. Any contact or service of documents is a separate, explicitly instructed engagement.
Can you support hardship processes rather than recovery?
Yes. Re-establishing contact with a disengaged customer is frequently instructed for hardship purposes, and the work is the same.
Discuss your requirements
Tell us what you are dealing with. We'll confirm whether we can help, what it costs, and how quickly it can be done.
Licensed by Victoria Police · 20+ years' experience · Australia-wide