We fund the loan. Most others just find the loan.
Australia has a thousand brokers and a handful of real lenders. We're one of the lenders — Australian-owned, funding our own loans from our own balance sheet, with an in-house team that talks to you, decides on your application, and watches it through to settlement.
Why "direct lender" actually matters.
It's an industry phrase that gets thrown around. Here's the practical, line-by-line difference between borrowing from us and going through a broker who'll shop your application to whoever pays them the best commission.
An Australian business, lending to Australian business.
Founded in 2015 by people who'd run small businesses themselves and seen first-hand how hard it was to get a useful answer from the big banks. Today we're still Australian-owned, headquartered here, with an in-house credit team you can pick up the phone and talk to.
Every loan is funded from our own balance sheet — we are the lender, not a broker, not a marketplace, not a panel. When you talk to us about an application, you're talking to the people who'll decide on it. That alignment is what lets us move fast and read your business properly.
We've funded thousands of Australian small businesses since launch — cafés, tradies, salons, agencies, retailers, manufacturers. The kind of businesses that keep the economy ticking.
Four things we do better.
Not a list of features — the practical, day-one differences you'll feel as a borrower.
What we don't do.
Knowing what someone won't do is sometimes as useful as knowing what they will. Here's where our scope ends.
Get the funding
your business deserves.
A few minutes to apply. Decision and funding typically same or next business day.