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
Australian SME Lending
Working capital,
decided in 24 hours.
$20K–$250K short-duration business funding for established Australian businesses. Apply in minutes and receive an indicative outcome the same business day.
No obligation to proceed. Subject to credit approval.
What does the business need?
$20,000 – $250,000
$80,000
Weekly repayment$3,716.92
- Term
- 26 payments
- Total cost
- $16,640.00
- Total to repay
- $96,640.00
0.8% per week on the amount borrowed, flat.
Indicative. Your schedule is set out in your letter of offer and remains subject to credit approval.
No obligation to proceed. Subject to credit approval.
- Decision
- Within 24 hours*
- Facility
- $20K–$250K*
- Term
- 13 or 26 weeks*
- Repayments
- Weekly*
- Rate
- 0.8% per week*
*Indicative product parameters. Subject to credit approval and final terms.
The product
Short-duration capital.
Built for opportunity.
SYSTM provides working-capital facilities to established Australian businesses that need fast execution. From $20K–$250K, structured around a defined near-term requirement and repaid over a short, predictable term — not years of debt.
- Sized to the opportunity, not a rigid product
- Decisions in hours, made by an accountable person
- Repaid as the business turns over
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.
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.
Use of funds
Capital for the moments that matter.
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
Healthcare
$37,000
A dental practice funded equipment and fit-out on a monthly repayment cycle.
- State
- Australia
- Purpose
- Equipment
- Facility
- $37,000
- Term
- 5 months
- Repayment
- Monthly
- Decision
- Same-day indicative
- Security
- Facility dependent
Anonymised facilities from SYSTM’s book. Figures rounded; no outcomes or returns are implied.
AI assists. Humans decide.
Faster infrastructure.
Human judgement.
SYSTM pairs modern data infrastructure with real credit expertise. The technology removes friction. It doesn’t remove the people.
Technology aggregates and analyses
Secure connections bring the business's financial picture together quickly, so assessment starts in minutes, not weeks.
A human owns the decision
Credit judgement stays with an accountable person. Technology informs the call; it doesn't make it.
You can always reach a person
Talk to someone who understands your facility at any point — before, during and after funding.
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.
Where SYSTM fits
Different capital for a different timeframe.
Short-duration working capital sits alongside — not instead of — your longer-term facilities.
Decision process
- SYSTM Indicative same business day; human-led credit decision
- Traditional bank loan Typically weeks; committee-based
- Business card / overdraft Fast to draw an existing limit; slow to increase
Typical intended duration
- SYSTM Short — 13 or 26 weeks
- Traditional bank loan Years
- Business card / overdraft Ongoing / revolving
Repayment structure
- SYSTM Weekly over a fixed term
- Traditional bank loan Monthly, amortising over years
- Business card / overdraft Minimum monthly, revolving balance
Relationship
- SYSTM Direct access to people who understand the facility
- Traditional bank loan Relationship manager or branch
- Business card / overdraft Largely self-serve
Primary use case
- SYSTM A defined near-term business requirement
- Traditional bank loan Longer-term investment
- Business card / overdraft Small, everyday fluctuations
General comparison only. Terms vary by lender and product. Not financial advice.
FAQ
The questions operators ask.
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.
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.
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.
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.
Opportunity moves quickly.
So should your capital.
Start an application in minutes or speak directly with SYSTM.
All facilities are subject to credit approval, eligibility criteria and documentation.