Business Lending · Australia
Built to lend
at the speed
of business.
A methodical, technology-first approach to lending that treats capital like infrastructure: dependable, transparent, and always on.
24h
Decision time
$500K
Max facility
6 min
To apply
Pre-approved
$250,000
Revolving facility · 24-month term
01 — Who we are
Independently
Australian.
Operator-owned.
A technology-first approach to lending that treats capital like infrastructure: dependable, transparent, and always on.
We're enhanced by AI, but you'll always be able to talk to a human. Service is the product.
Systematic
Repeatable processes. Efficiency at every step.
Service-led
A real person owns the relationship. Always.
Tech-driven
AI underwrites in hours, not weeks. Final calls stay with humans.
01
Australian
Founded, owned & operated locally.
02
Independent
No bank parent. No outside agenda.
03
Human-first
AI assists. Humans decide & answer.
02 — How it works
Six minutes,
end to end.
Connect
Link your Stripe, accounting software, and bank. Takes under a minute.
Tell us
What you need, how much, and why. Simple form, no jargon.
Your offer
Underwritten in real time. Pre-approved amount, rate, and terms delivered to your screen.
Bank
6 weeks
SYSTM
24 hours
03 — Why SYSTM
Capital that moves with you.
Decision time
24h
From application to funded. For ~80% of qualifying SMBs.
Max facility
$500K
No personal guarantee required.
Application
6min
Average application time. End to end.
04 — Who we work with
Operators.
Builders.
Growers.
We back businesses with traction. If you're building something real, we want to fund it.
Industries across Australia
01
SMEs
Established small-to-medium businesses with $500K–$20M revenue.
02
Startups
Early-stage companies with asset security. Backed from day one.
03
Sole traders
Owner-operators: tradies, consultants, freelancers building independently.
04
Growth-stage
Established businesses seeking working capital or expansion funding.