How it works

Capital without the paperwork marathon.

A clear path from application to funded capital. Technology removes the friction; a person stays accountable for the decision and the relationship.

Start an application Talk to SYSTM

The journey

Ten steps, start to finish.

  1. 01

    Apply

    You

    Tell us about the business, the amount you need and what it's for.

    SYSTM

    Set up your file and confirm the request is something we can help with.

    May be required: ABN/ACN, requested amount, intended useNext: An indicative read, usually the same business day
  2. 02

    Verify the business

    You

    Confirm your details so we know who we're dealing with.

    SYSTM

    Verify ABN/ASIC standing and identity.

    May be required: Director / applicant IDNext: We request the financial information we need
  3. 03

    Connect financial data

    You

    Provide business bank and, where required, accounting information through secure connections.

    SYSTM

    Bring the financial picture together quickly and securely.

    May be required: Business bank information; accounting data where requiredNext: Assessment begins
  4. 04

    Credit assessment

    You

    Answer any questions about the business and the requirement.

    SYSTM

    Technology helps analyse the business; a credit person forms the view.

    Next: Indicative terms if it's a fit
  5. 05

    Indicative terms

    You

    Review the indicative terms and ask us anything.

    SYSTM

    Set out an indicative structure for the facility, subject to formal approval.

    Next: Formal credit approval
  6. 06

    Formal approval

    SYSTM

    Complete formal credit approval — the decision remains human-led.

    Next: Documentation is prepared
  7. 07

    Documentation

    You

    Review and sign the loan documentation.

    SYSTM

    Prepare clear documents that set out all terms, costs and any security.

    May be required: Signing authority for the businessNext: Funding
  8. 08

    Funding

    You

    Confirm settlement details.

    SYSTM

    Draw down the approved funds to the business.

    Next: Repayments begin per your schedule
  9. 09

    Repayments

    You

    Repay weekly over 13 or 26 weeks, typically by direct debit.

    SYSTM

    Service the facility and stay reachable if anything changes.

    Next: The facility winds down over its term
  10. 10

    Early completion / closure

    You

    Repay early if it suits — just talk to us.

    SYSTM

    Close the facility and apply the early payout discount, up to 50% of the remaining cost, as confirmed in writing.

    Next: Facility closed

Know the process?
Start when you’re ready.

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All facilities are subject to credit approval, eligibility criteria and documentation.

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