Why We Started Eldium

At its core, lending is about growth. It’s about giving people and businesses the fuel they need to build, to move, to make something better. But for too long, the power to lend has sat with the big end of town - banks and institutions with rigid rules and zero imagination. Not with the people building the future.

We started Eldium to change that.

We believe lending should be led by founders and operators. People who are passionate about their customer, know the markets they serve, and who understand risk because they live it every day. Those operators are building real businesses that deserve better capital.

This isn’t just theory. Matt backed Larry as Zip’s first debt investor when family offices and credit funds offered extortionate terms and wanted half the business to boot. We saw what it took to get early credit partners on board and what they took in terms of fees and complexity. Matt saw the same thing at Bridgit, as the founding investor. And we know how broken it feels when capital doesn’t match the opportunity.

At the same time, few investors are able to access high quality warehouse lending - they’re stuck locking up money in deposits for returns that don’t even match inflation. Others are deep in property deals where the risk is buried under glossy brochures and fictitious LVRs all tied to a few developers.

So we built Eldium - a new frontier in warehouse lending. A way to back the best lenders and give investors access to a better asset class. One that’s yielding real returns, with clear structure, aligned incentives and real businesses underneath.

This is our mission: to support the next wave of lending businesses in Australia. And to open up a new path for investors who want more than low rates and long lockups.

It’s early, but the opportunity is big. And we’re excited to share the journey with you.

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Matt & Larry