White Label Platform for Wage Advance, SACC and MACC Lending

For more than 25 years, we've led the way in financial innovation, trusted by leading Australian lenders. Today, we're the only platform in Australia offering wage advance, SACC and MACC lending all in one place, so you can launch and scale under your own brand without stitching together multiple systems

WageForgeWage Advance Lending Software

Offer earned wage access under your own brand. WageForge runs the assessments, compliance, and repayments, so you launch without the build.

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LoanForgeConsumer Lending Software
(SACC and MACC)

Launch SACC and MACC lending under your own brand. LoanForge handles credit checks, compliance, and the full loan lifecycle, ready to deploy now. It's loan origination software built for licensed Australian lenders.

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One Platform, Two Products

Most lenders piece together separate systems for each product, different vendors, different compliance checks, different integrations to maintain. InMarket built it as one. LoanForge covers consumer lending, SACC and MACC included. WageForge enables earned wage advance lending. Both run on the same infrastructure, both deploy under your own brand, both are ready now.

One platform means one integration, one support relationship, and one place to manage your full product range instead of three.

Why Lenders Choose InMarket Systems

InMarket is white label lending software and lending compliance software built specifically for the Australian market. More than two decades of operating in Australian lending means the compliance, credit assessment and repayment logic is already proven. You're not testing a new platform, you're adopting one that's already handled the volume, the regulation and the edge cases at scale, trusted by leading Australian lenders to do it.

TESTIMONIALS

Our Trusted Clients

Consumer Lending (LoanForge - MACC)

Before InMarket Systems, our lending was entirely manual. Since partnering with them more than 20 years ago, our decision making has become far faster and more consistent, and our loan book has grown many times over. We remain one of the leading names in consumer MACC lending in Australia.

Wage Advance Lending (WageForge)

9 years ago we saw the wage advance gap early, but there was no software to run it. InMarket Systems was the only platform doing consumer and wage advance together, and it's paid off, double- and triple-digit growth every year since. Now we're one of the top three in the country.

Frequently Asked Questions

What is a SACC loan?

A Small Amount Credit Contract (SACC) is a short term loan of up to $2,000, repayable over 16 days to 12 months, tightly regulated in Australia with caps on fees and interest.

What is a MACC loan?

A Medium Amount Credit Contract (MACC) is a loan between $2,001 and $5,000, typically repaid over 16 days to 2 years, with its own separate fee and interest caps.

What is a wage advance loan?

A wage advance loan allows employed individuals to draw a portion of wages they've already earned before their scheduled payday, rather than waiting for the full pay cycle.

Is wage advance the same as a payday loan?

No. Wage advance gives access to wages already earned, while a payday loan is a form of credit repaid with fees or interest. The two are regulated differently in Australia.

Can I launch SACC, MACC and wage advance on the same platform?

Yes. LoanForge covers SACC and MACC lending, WageForge covers wage advance and earned wage access, and both run on the same infrastructure under your own brand.

How quickly can I launch with InMarket?

LoanForge and WageForge are ready to deploy under your own brand without building credit assessment or compliance systems from scratch, so launch timeframes are significantly shorter than building in house.

What is white label lending software?

White label lending software lets a business launch its own branded lending product without building compliance, credit assessment or repayment systems from scratch. LoanForge and WageForge are both white labelled, so everything runs under your brand.

Who is InMarket Systems' software for?

InMarket's platform is built for licensed lenders. LoanForge and WageForge are sold to lenders, who use them to offer SACC, MACC or wage advance products to their own customers under their own brand.