Questions, answered.

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.

SYSTM lends to established Australian businesses with a genuine business purpose — typically at least 12 months of trading, verifiable revenue, and good standing with ASIC. Every application is assessed on its own merits, subject to credit approval.

We focus on operators with real trading history rather than start-ups. If you have been trading for at least 12 months with verifiable revenue, it's worth applying — the assessment is quick and there's no obligation to proceed.

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.

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.

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.

To start, we need your ABN/ACN, basic details about the business, the amount you need and what it is for, and secure access to business bank and (where required) accounting information so we can assess the facility. We only ask for what we need at each stage.

You'll get an indicative outcome, usually the same business day. If it's a fit, we confirm the information we need, complete our assessment, and issue indicative terms subject to formal credit approval. Once you accept and documents are signed, we fund the approved amount. A real person is with you throughout.

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.

We use the information and secure connections you provide only to assess and service your facility, in line with our Privacy Policy and the Australian Privacy Principles. We don't send your financial information to advertising or analytics tools.

Financial connections are made through secure, read-only data services. You control the connection, and the data is used to assess and service your facility. See our Privacy Policy for detail.

Yes. SYSTM works directly with commercial finance brokers. Brokers can submit a scenario online and get a fast read on appetite, with direct access to the people making the decision.

Commercial arrangements with broker partners are confirmed directly as part of accreditation. Speak with us to discuss working together.

Submit the key details and we'll give you a read on appetite quickly — often the same business day. A formal credit decision follows within 24 hours of a complete file.

To start: the borrower's business name and ABN/ACN, industry, time trading, the amount and purpose, timing, and a sense of revenue and existing finance. We only ask for full documentation once appetite is confirmed.

Established Australian businesses with genuine trading history and a clear, near-term use for the capital — across trades, construction, manufacturing, logistics, wholesale, hospitality and professional services. If you're not sure it fits, send it anyway.

No. Brokers get direct access to the people making the decision, so you get straight answers on where a deal stands.

Tell us by email at info@systmfinance.com.au, through the complaints form on our website, or through the person you deal with. We acknowledge every complaint within one business day, a person not involved in the original decision reviews it, and we respond in writing within 30 days with our reasons. If you are not satisfied, you can ask for a senior review.

Tell us early. You can apply for financial hardship assistance on our website or by email; we acknowledge within one business day and respond within 21 days with the options available, which may include a short deferral, a revised schedule or a payout arrangement. Repayments continue as scheduled until a change is agreed in writing.