Australian SME lending
$20K–$250K facilities for Australian businesses with traction. Apply in minutes, get an indicative decision the same day, and draw funds within 24 hours of formal approval.
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Indicative offer first. No obligation to proceed. Subject to credit approval.
The product
Designed for operators who need certainty in days, not weeks. Built around your monthly revenue, repaid in regular instalments, settled fast.
Loan size
$20K – $250K
Sized to a proportion of monthly revenue.
Term
30 – 180 days
Short-duration by design. Capital recycles quickly.
Repayments
Weekly or fortnightly
Direct debit from a nominated business account.
Security
GSA + guarantees
GSA over business assets registered on PPSR. Director guarantees on most facilities; not required on eligible secured facilities, subject to credit approval.
Decision time
Within 24 hours
Indicative offer in hours. Formal credit approval within 24 hours of a complete file.
Early repayment
Discounts available
Discounts on the remaining cost may apply when the facility is repaid ahead of schedule. The amount varies by facility.
Indicative product features only. All facilities are subject to formal credit approval, eligibility criteria, and execution of loan and security documentation.
Who it's for
We lend to businesses that have moved past launch — established revenue, regular customers, a track record we can verify in the books.
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We lend for business purposes only. Personal, domestic, and household borrowing is outside our scope, as is lending against residential property.
How it works
Tell us about the business and what you need. The form takes about six minutes.
Share read-only access to bank feeds and accounting (Xero, MYOB or QuickBooks). No paperwork chase.
Indicative offer within hours. Formal credit approval within 24 hours of a complete file.
Sign electronically via DocuSign. Funds drawn into the nominated business account the same day.
SYSTM vs. the alternatives
Banks are built for long-duration, collateralised lending. Cards and overdrafts cap out fast. SYSTM is built for the gap in between.
| SYSTM | Major bank | Card / overdraft | |
|---|---|---|---|
| Decision time | Within 24 hours | 2 – 6 weeks | Same day (limited) |
| Facility size | $20K – $250K | $100K+ usually | $10K – $50K typical |
| Security focus | GSA over business assets | Property collateral preferred | Unsecured, personal recourse |
| Repayment structure | Weekly or fortnightly direct debit | Monthly amortising | Revolving with high indexed rate |
| Early repayment | Discounts available — amount varies | Break-cost fees common | No structured saving |
| Relationship | Australian operator-led, direct line | Branch tier + relationship manager | Call centre |
General comparison only. Specific terms vary by lender and product. Not advice — assess what is appropriate for the business.
Where the money goes
Bulk-buy stock to hit a margin window or supplier discount.
Cover a 30 – 90 day invoice gap without slowing operations.
Pay early to capture rebates worth more than the cost of funds.
Fund payroll, materials, and equipment to start a signed contract.
Acquire tools or machinery without tying up working capital.
Carry payroll across a known seasonal trough.
Fund a campaign with a measurable, near-term ROI.
Meet a quarterly BAS or PAYG without depleting working capital.
How it has worked
Borrower identities are removed. Facility structures are real and reflect deals that have been written under SYSTM's underwriting standards.
Manufacturing services · NSW
A long-standing NSW manufacturer secured a fixed-price contract that required materials and labour outlay before the first progress claim. SYSTM funded the working-capital gap on a 26-week weekly facility, sized against verified monthly receipts.
Hospitality group · VIC
IllustrativeAn operator of multiple venues needed to pre-purchase stock ahead of the summer trading window. The facility was repaid early from peak-period cash flow, capturing an early-repayment discount.
Logistics & distribution · QLD
IllustrativeA QLD distributor with strong recurring receivables needed to bridge a known 60-day payment cycle from a national customer. Eligibility for a no-PG structure was assessed against asset coverage and customer concentration.
Anonymised case studies. Indicative facility structures shown. Past facilities are not a guide to future credit decisions. All applications are subject to credit approval and eligibility.
Who we are
SYSTM is independently owned and operated by Australian founders with decades of combined experience in SME lending, risk, fintech, corporate finance and fund management.
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Founded, owned and operated locally. No bank parent. No outside agenda. Decisions made in-country, by people you can reach directly.
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Every loan written to date has been funded with directors' own capital. Directors continue to co-invest alongside wholesale funders to keep risk and reward aligned.
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Underwriting runs on a credit platform that has been tested across more than $1B of SME lending. AI accelerates assessment; final calls are made by humans.
Frequently asked
Direct answers. If something isn't here, ask us by phone or email.
Ready when you are
No obligation. Indicative offer first. Sign only if it works for the business.
Applications are subject to credit approval and eligibility criteria. SYSTM Loans Pty Ltd ABN 62 670 781 316.