Streamlinedsmall-business credit
Working capital, equipment, and small-business term loans assessed in minutes. Automated financial analysis from accounting and banking data. Fast decisions without giving up responsible-lending evidence.
Working capital · approved
$150,000
Auto-spread from live accounting & banking data
<4 min
Working-capital decisions
Auto
Financial spreading & DSCR
Same day
Funding on approved loans
70%
Straight-through processing
Data to decision
Your data does the work
Accounting feed
Xero, MYOB & QuickBooks financials ingested automatically.
Bank transaction data
Open Banking (CDR) cash-flow analysis.
ATO & financials
BAS, tax position, and lodged statements.
Commercial bureau
Equifax / illion commercial credit & adverse data.
$250,000
Approved limit · 5-year term
4 min
Decision time
1.8× DSCR
Serviceability
B+
Risk grade
Auto-verified
Documents
Speed to funds
From application to drawn facility
Apply
Business connects accounting and banking data with consent.
Auto-spread
Financials spread and serviceability (DSCR) calculated automatically.
Decision
Real-time policy and risk-grade assessment returns a decision.
Fund
Facility documented, e-signed, and disbursed straight to account.
One product, configured to small business borrowing
Working capital
Overdrafts and revolving facilities sized from real cash-flow data.
Equipment finance
Asset-secured small-business lending with PPSR built into the workflow.
Business term loans
Fixed-term lending for expansion, fit-out, and acquisition.
Decision SME credit in minutes, not days
See automated financial spreading, real-time decisioning, and same-day funding without loosening responsible-lending controls.