Straight answers.
How it works
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.
Eligibility
What are the minimum requirements?+
An active Australian ABN, at least 3 months of trading history, and $10,000+ in monthly business revenue.
Do you fund sole traders?+
Yes. Sole traders and companies (Pty Ltd / trusts) are both eligible.
What if my credit isn’t perfect?+
Our Credit-Flexible product is built specifically for this. Prior defaults, ATO plans, and discharged bankruptcy are all considered.
Loans
How much can I borrow?+
From $5,000 up to $750,000, depending on the product and your cash flow.
Do I need to secure the loan against my property?+
No. All Fynda products are unsecured against real estate.
What can I use the money for?+
Any legitimate business purpose — stock, equipment, payroll, tax, refinancing, expansion, cash-flow smoothing.
Repayments & fees
How are repayments structured?+
Repayments can be daily, weekly, fortnightly, or monthly depending on the product. [CONFIRM]
Are there early-repayment penalties?+
[CONFIRM WORDING] Most Fynda products allow early repayment. Some products have early-payout discounts.
What fees will I pay?+
Every offer shows the total cost of the loan up front. There are no surprise fees.