Instant capital.
Live eligibility.
Credit, scored.
Fynda is the platform business owners, brokers and lenders use to fund a deal, qualify a borrower, and pull a three-bureau credit report — instantly.
Median decision
00:47s
Bureaus
3 / 3
Lenders live
18
fynda/console
live01:34:22
APP-2026-08-14322
Meridian Trades Pty Ltd
Approved capital
$120,000
Express · 12.4% p.a.
funded12:04pm
Credit score
782/1000
3 bureaus fused
EQ 812IL 768CW 774
Live eligibility check
ABN activeYes
Trading4 years
Monthly revenue$85K
Credit fileClean
4 products match
18:23:47 • decision engine • $120,000 approved → sent to bank
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782$250,000 approved · Newcastle constructionATO flag cleared · entity 04$12,500 funded · Adelaide freight18 lenders liveSam accepted an offerMedian decision 00:47s
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782$250,000 approved · Newcastle constructionATO flag cleared · entity 04$12,500 funded · Adelaide freight18 lenders liveSam accepted an offerMedian decision 00:47s
Review score
[X.X / 5]
Google Reviews [PLACEHOLDER]
Businesses funded
[X,XXX]
across Australia
Settled to date
$[XXX]M+
in business capital
Approval speed
4 hrs
fastest funded [CONFIRM]
Backed by lenders across Australia
[LENDER 01][LENDER 02][LENDER 03][LENDER 04][LENDER 05][LENDER 06]
Live product match
Tell us the shape
of the money.
Three quick choices. We’ll surface the product that actually fits — not just the one that pays us the most.
What’s the money for?
How soon do you need it?
Credit history?
MATCHED
Recommended product
Line of
Credit
Amount
Up to $750K
Pricing
0% until drawn
Timing
Facility live in 24–48 hrs
Stand-by capital. Pay only on the balance you use.
- Draw when you need it
- Interest only on drawn balance
- Redraw + repay, endlessly
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782$250,000 approved · Newcastle constructionATO flag cleared · entity 04$12,500 funded · Adelaide freight18 lenders liveSam accepted an offerMedian decision 00:47s
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782$250,000 approved · Newcastle constructionATO flag cleared · entity 04$12,500 funded · Adelaide freight18 lenders liveSam accepted an offerMedian decision 00:47s
The engine
We didn’t rebuild
the bank.
We wrote past it.
Every application runs on the Fynda decisioning stack. No email chains, no lender phone-tag — a system built to move at software speed.
Fynda decision engine
v4.12.0 · syd-1 · healthy
Median decision
00:47
seconds
In-flight now
12
applications
Bureaus fused
3 / 3
in one report
Lenders integrated
18
live
Recent decisions
/api/decisions
- $85,000 approvedMelbourne cafe · Express2s ago
- 3 offers matchedSydney trades · $150K14s ago
- Bank data connectedPerth retail · 6 months38s ago
- $40,000 drawn from lineBrisbane logistics1m ago
- Credit report pulled3 bureaus · 7822m ago
Fully online
Application, statements, ID, signing.
Fully transparent
Every offer, every fee, side by side.
Instant checkout
Accept in a tap. Funds same day.
The Application
Fast, easy
online application.
- Answer the essentials in under two minutes
- Connect your bank statements securely — no PDFs to upload
- Instant identity check on your ABN and business details
Application · Step 2 of 5
Business name
Meridian Trades Pty Ltd
ABN
12 345 678 901
Industry
Construction / trades
Time trading
4 years
Monthly revenue
$85,000
3 offers ready
Choose yours
[LENDER A] · Express Loan
$120,000
18 months
[LENDER B] · Low-Doc Loan
$100,000
24 months
[LENDER C] · Line of Credit
$150,000
Revolving
The Portal
Every offer,
side by side.
- See every approved offer in one view
- Compare amounts, terms and total cost, transparently
- Accept online — no back and forth
Real Humans
Real people
when you need them.
- A dedicated funding specialist on every application
- Talk it through by phone, chat or email
- Straight-talking answers on what fits and what doesn’t
[A]
[SPECIALIST NAME]
Online · Fynda team
Hey — saw your application. Two lenders came back with offers already. Want me to walk you through the trade-offs?
Yes please. What’s the cheapest option overall?
Total cost is lowest on [Lender A] at $120K over 18 months. Happy to jump on a call now?
Funded
$120,000
Lender[LENDER A]
ProductExpress Loan
Term18 months
Sent toMeridian Trades Pty Ltd
ArrivalSame day · 12:04pm
The Money
Funded, often
the same day.*
- Accept an offer online — no wet-signatures
- Funds sent directly to your business account
- Most applications lodged before 2pm AEST fund the same day [CONFIRM]
How it works
Three steps.
Try them.
STEP 01
Two minutes.
Answer the essentials on your business. Connect statements. Verify identity. No PDFs, no back-office phone tag.
/apply · step 2 of 5
BusinessMeridian Trades Pty Ltd
ABN12 345 678 901
IndustryConstruction
Revenue$85,000 / month
Bank connectionVerified
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782$250,000 approved · Newcastle constructionATO flag cleared · entity 04$12,500 funded · Adelaide freight18 lenders liveSam accepted an offerMedian decision 00:47s
$85,000 approved · Melbourne cafe3 offers matched · Sydney tradesBank data connected · Perth retail$40,000 drawn · Brisbane logisticsCredit report pulled · score 782$250,000 approved · Newcastle constructionATO flag cleared · entity 04$12,500 funded · Adelaide freight18 lenders liveSam accepted an offerMedian decision 00:47s
Who we fund
If you’re trading,
you’re in.
Fynda supports Australian businesses across every major industry. Three simple checks and we’re moving.
- Active ABN
- 3+ months trading
- $10K+ monthly revenue
Industries funded
Hospitality
Trades
Retail
Transport
Health
E-commerce
Professional Services
Construction
Fynda Credit Reports
The portal every
lender wishes
they had.
Equifax + illion + CreditorWatch in one live dashboard. Pull a report, watch a portfolio, get alerts before defaults cost you.
fynda reports
Search ABN, business name…⌘K
SM
Combined credit report
[Sample Business Pty Ltd]
ABN 12 345 678 901 · Construction · Trading since 2019
Combined score
782
/1000
+18 vs last quarter
05001000
12-month score trend
Y-axis 0–1000
Combined Equifax illion
Bureau breakdown
All merged · live
| Bureau | Score | Defaults | Enquiries |
|---|---|---|---|
| Equifax | 812 | 0 | 2 |
| illion | 768 | 0 | 3 |
| CreditorWatch | 774 | 0 | 0 |
Alerts
3 new- ATO tax debt flag cleared[Watched entity 04]12m ago
- New enquiry recorded[Watched entity 12]2h ago
- Payment predictor score up[Sample Pty Ltd]1d ago
- Court judgement lodged[Watched entity 07]3d ago
What business owners say
In their words.
“[CUSTOMER QUOTE PLACEHOLDER — replace before launch]”
[NAME]
[BUSINESS, SUBURB]
“[CUSTOMER QUOTE PLACEHOLDER — replace before launch]”
[NAME]
[BUSINESS, SUBURB]
“[CUSTOMER QUOTE PLACEHOLDER — replace before launch]”
[NAME]
[BUSINESS, SUBURB]
How long does the application take?
The application itself takes about 2 minutes. Once your statements are connected, decisions are typically made in minutes.
Do you check my credit?
[CONFIRM WORDING] Applying gives us permission to review your credit file. For the Express and Low-Doc products, this check is soft — no impact on your score.
How fast can I be funded?
As little as 4 hours for Express Loans. [CONFIRM] Same-day is the standard target when applications land before 2pm AEST.
Your next move,
funded.
One application. Every option on the table. Answers today.