Construction & trades
$100,000
A scaffolding business bought equipment to take on more concurrent sites.
- State
- Australia
- Purpose
- Equipment
- Facility
- $100,000
- Term
- 26 weeks
- Repayment
- Weekly
- Decision
- Same-day indicative
- Security
- Facility dependent
Business working capital
Business funding,
built around the opportunity.
Short-duration working capital for established Australian businesses that need to move. Sized to a defined requirement, decided by a person, and repaid over a short, predictable term.
- Amount
- $20K–$250K
- Term
- 13 or 26 weeks
- Repayments
- Weekly
- Decision
- Within 24 hours*
At a glance
One product. Structured to the job.
We keep it simple: a single working-capital facility that flexes to the amount and timeframe your business actually needs. No long-term debt you don’t want, no product maze to navigate.
Indicative product parameters only. Final terms are set out in your letter of offer and remain subject to credit approval.
The product
Business Working Capital
- Amount
- $20K–$250K
- Term
- 13 or 26 weeks
- Repayment
- Weekly
- Rate
- 0.8% per week
- Turnaround
- Within 24 hours of complete file
- Security
- Facility dependent
Why SYSTM
Built differently from a bank.
Specialist SME credit, technology and speed — with a real person accountable throughout.
01
Speed
When the business opportunity is measured in days, a six-week credit process doesn't work.
02
Human decisions
Technology accelerates assessment. A person remains accountable for the decision and the relationship.
03
Short duration
Capital is structured around a defined near-term requirement rather than unnecessary long-term debt.
04
Direct access
Speak directly with people who understand the facility rather than navigating a call centre.
Use of funds
Capital for the moments that matter.
Eligibility
Who SYSTM lends to.
We focus on established operators with real trading history. Every application is assessed on its own merits, subject to credit approval.
Established Australian business
Registered and operating in Australia with a current ABN.
12+ months trading
A trading history we can assess, typically at least 12 months.
Verifiable revenue
Business revenue we can verify through your bank and accounting data.
Current ABN / ASIC standing
Good standing with ASIC and no unresolved insolvency events.
Legitimate business purpose
Funding is for a genuine business or investment purpose.
Indicative criteria. Confirmed on assessment. Subject to credit approval, eligibility and documentation.
Security
Assessed per facility.
Security and any director guarantees are assessed per facility and set out in your letter of offer.
Any director guarantee is assessed case by case and set out clearly in your loan documentation before you sign. We make no blanket guarantee requirement.
Repayments
Weekly, over 13 or 26 weeks.
Repayments are made weekly, typically by direct debit, over a term of 13 or 26 weeks. The cost is 0.8% per week on the amount borrowed, flat, so every repayment is the same and the facility winds down as the underlying requirement pays off.
Flexibility
Finished early? You pay less.
Pay out your facility early and we discount the remaining cost by up to 50%. How much depends on whether you are refinancing with SYSTM or paying out from your own funds; we confirm the figure before you pay. Refinancing options are available on request.
Early repayment is permitted. The early payout discount, up to 50% of the remaining cost, depends on the circumstances of the payout and is confirmed in writing before you pay.
What to have ready
A short list to start.
We only ask for what we need at each stage. Having these to hand keeps things fast.
ABN / ACN
Director / applicant identification
Business bank account details
Recent business financial information (where required)
The amount you need
What the funds are for
Only standard requirements are listed. Additional information may be requested during assessment.
How it works
From application to capital.
- 01
Apply
Tell us about the business and what the capital is for.
- 02
Connect
Provide required financial information through secure connections.
- 03
Assess
Technology helps analyse the business. Credit decisions remain human-led.
- 04
Offer
Receive indicative terms, subject to formal credit approval and documentation.
- 05
Fund
Execute documentation and draw approved funds.
Case studies
What a facility can look like.
Repaid
Hospitality
$50,000
A mobile hospitality operator added capacity ahead of a busy trading period.
- State
- Australia
- Purpose
- Equipment
- Facility
- $50,000
- Term
- 10 weeks
- Repayment
- Weekly
- Decision
- Same-day indicative
- Security
- Facility dependent
Anonymised facilities from SYSTM’s book. Figures rounded; no outcomes or returns are implied.
FAQ
Business loan questions.
SYSTM provides short-duration working-capital facilities from $20,000 to $250,000 for established Australian businesses. The right size depends on your business and how the capital will be used, and is confirmed on credit approval.
We aim to give you an indicative outcome the same business day, and a formal credit decision within 24 hours of receiving a complete file. Timeframes are targets rather than guarantees and depend on how quickly we receive the information we need.
Security is facility dependent. What is required — if anything — is assessed for each facility and set out in your letter of offer. We do not apply a one-size-fits-all rule.
Whether a director guarantee is required depends on the facility and is assessed case by case. Any guarantee will be clearly set out in your loan documentation before you sign.
A facility costs 0.8% per week on the amount borrowed, flat, for the term you choose. For example, $50,000 over 26 weeks costs $10,400.00 in total, repaid as 26 weekly instalments of $2,323.08. Any fees and your exact schedule are set out in your letter of offer before you commit.
Yes. Pay out early and we discount the remaining cost of the facility by up to 50%, depending on whether the payout is a refinance with SYSTM or a fresh payout from your own funds. Ask us for the payout figure before you pay; we confirm it in writing.
Yes, on request. A refinance is a new facility that pays out the old one; the payout figure carries the early payout discount where it applies. Talk to us about what you need and we will set out the options.
Repayments are made weekly, typically by direct debit, over a term of 13 or 26 weeks. Every repayment is the same amount. The exact schedule is confirmed in your loan documentation.
Facilities run for 13 or 26 weeks, structured around a defined near-term business requirement rather than long-term debt.
A defined requirement.
A decision in 24 hours.
Start an application in minutes or speak directly with SYSTM.
All facilities are subject to credit approval, eligibility criteria and documentation.