Section 708 · FMC Act · Reg D — Small-Scale Offering Exemptions
A flat-fee document preparation service that produces legally structured bond certificates, investor application forms, and a bond register for established Australian and international SMEs.
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Each bond type is prepared as a legally structured instrument under small-scale offering exemptions. No prospectus. No credit licence.
For established businesses with cash flow wanting to raise $50K–$2M from up to 20 investors. Fixed interest, defined term, and optional security. The straightforward route to debt funding on your own terms.
Selling a business or commercial property? Offer vendor finance structured as a bond. Opens your asset to more buyers, eliminates the need for buyer bank approval, and keeps the deal moving.
Debt that converts to equity or real estate at maturity. Reward early supporters with an equity discount percentage. Bridging capital with an upside — without giving equity away from day one.
Three steps. Flat fee. Hard copy bond certificates delivered by registered post.
Select your bond type, complete the intake form, and pay the flat fee via Stripe. No retainer, no hourly rate, no success commission.
The SME Bonds admin team prepares your bond certificate, investor application form, and bond register. You review and approve before anything is issued.
Hard copy certificates are sent by registered post for signing by directors and delivery to investors. Your bond register is maintained on your behalf throughout the term.
Every bond issued through SME Bonds is a hard copy certificate — a bearer instrument under the Bills of Exchange Act 1909, numbered within your series and signed by directors in the presence of a witness. Click to view a sample.
View Sample Certificate →SME Bonds operates exclusively under small-scale offering exemptions. In Australia, Section 708 of the Corporations Act 2001 permits offers to up to 20 retail investors, raising up to $2 million in any 12-month period, without a prospectus.
Equivalent exemptions apply in New Zealand, the United States, the United Kingdom, Canada, Singapore, and the EU — making the same structure portable across jurisdictions.
Complete the intake form and receive draft bond documents within 2 business days. Flat fee. No surprises.