Built for the people behind the ABN.
We're a small local team backing small businesses across Australia — the cafés, the trades, the studios, the workshops. The businesses that don't fit a bank template, but absolutely deserve fast, fair funding.
There was room for a third option.
We're a small Australian business ourselves — Adelaide-based, founded by people who've spent years running small operations and watching peers do the same. That perspective shaped everything.
Years ago, we kept watching the same story play out: a small business owner needed to move quickly — a piece of equipment came up, an opportunity to take on a new contract, a quiet quarter that needed bridging — and the answer from the banks was a four-week wait, a stack of paperwork, and a polite no at the end of it.
The "fast" alternative was a broker site that promised a 60-second decision. What you actually got was a salesperson, your application shopped around to a panel of strangers, and a price quietly inflated to cover their commission.
We thought there was room for a third option: a real lender, with our own balance sheet, who picks up the phone, reads your application themselves, and gives you a straight answer. So we built it.
Five things we hold to.
Small business builds small business.
We're operators ourselves — not bankers, not a call centre. We get how cash flow actually feels.
One product, done well.
No bait-and-switch. No "let me check what else we have."
Direct relationships.
The person you apply with is the person who funds you and answers when you call months later.
Plain English.
No jargon, no fine-print runaround, no surprises in the schedule.
Australian-owned, Adelaide-based, Australian-funded. Always.
Our balance sheet, our team, our decisions — all here, none of it offshored. We fund every loan ourselves, from our own book.
Adelaide-based. Australia-wide.
Adelaide, South Australia
We're an Adelaide-based team. The credit team that reads your application, the specialist who calls you, and the support team you'll talk to months later are all in the same office.
Right across Australia
We lend to businesses in every state and territory — cafés on the Sunshine Coast, trades in Perth, studios in Hobart, workshops in regional Victoria. If you've got an ABN, you can apply.
From cafés to farms.
Hospitality, trades, retail, light manufacturing, professional services, agriculture, creative studios. If you've got real cash flow, we'll have a look.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.