Access up to $200,000 in working capital — same-day decisions and funds typically in your account within 1 business day. No broker fees. No bank bureaucracy.
We cut through the red tape that slows traditional lenders down. Fast decisions, transparent terms, and funding that actually works for your business.
Applications are reviewed within hours, not weeks. Our team assesses your real cash flow so you get an answer fast — often the same day you apply.
Once approved and documents are signed, funds are transferred directly to your business account — typically within one business day.
We make our own credit decisions — no brokers, no approval committees. Talk to a real person who can actually say yes and explain why.
We assess your actual business performance via Open Banking — not just your credit score. Fair, fast, and based on how your business really performs.
No hidden fees, no surprises. We walk you through exactly what you're repaying and what it costs before you sign anything. What you see is what you get.
We work directly with your business — no middlemen taking a cut. Every dollar of your funding goes where it belongs: into your business.
Fill out a simple 5-minute application. We use Open Banking to securely read your cash flow — no mountains of paperwork.
Our team reviews your actual business performance. No waiting weeks — you'll hear from us the same day, often within hours.
Sign your agreement and funds are transferred directly to your business account — typically within 1 business day of approval.
Adjust the loan amount and term to get an indicative repayment. Actual rates depend on your business profile.
* Indicative only. Based on example rates for illustrative purposes. Your actual rate and repayments will be confirmed after assessment. Ex Nihilo Finance Pty Ltd ACN 688 661 430.
No impact on your credit score to check