Business-purpose finance for Australian SMEs
Fast working capital.
Properly assessed.
Short-term business finance from $5,000 – $500,000 over 3 to 6 months. One fixed repayment amount, agreed upfront.
Business-purpose lending only. Eligibility and approval criteria apply.
Who we are
An Australian lender, not a broker.
GreyRok Capital provides short-term working capital to established Australian businesses, funded from our own capital facility. We make our own credit decisions, which is why we can make them quickly.
Banks are thorough but slow, and a good business shouldn’t wait six weeks for a decision it needs this month. GreyRok sits in the quality middle: fast, fairly priced, and sized around what the business can comfortably repay.
Straightforward
Clear requirements, plain-English terms, and no surprises about what you’re agreeing to.
Responsive
A focused process designed for businesses where timing actually matters.
Disciplined
Funding sized around the strength of the business and its capacity to repay.
Based here
An Australian team, Australian-hosted data, and a real person to speak to.
Who we serve
Established businesses with something to fund.
From trades and healthcare to manufacturing, wholesale, transport and professional services. Most of our borrowers have been trading for years and need capital for a specific, timed opportunity.
How it works
Straightforward from application to funding.
Four steps, most of them ours. Nothing proceeds until you’ve seen the terms and the fixed repayment amount in writing.
- 01
Tell us what you need
Choose your amount and business purpose.
- 02
Tell us about the business
ABN, industry, trading history and revenue.
- 03
We assess the application
GreyRok reviews the business and the proposed facility. We’ll come back to you directly with any questions.
- 04
Review your offer
If approved, you’ll receive the terms and fixed repayment amount before proceeding.
Transparent pricing
One fixed total, agreed before you sign.
We price with a factor rate, not a moving interest rate. No compounding, no variable rate, and no penalty for paying out early.
Check my eligibility- You receive
- $30,000
- Fixed finance cost
- $4,200
- Term
- 4 months
- Total repayment
- $34,200
Illustrative example only, not an offer of finance. Figures subject to final pricing approval; early-repayment terms confirmed in the loan agreement.
Eligibility
Four things we look for.
Meet these and you’re likely a fit. The checker confirms it in about two minutes.
Active Australian business
An ABN and a real trading history behind it.
Established revenue
Enough regular turnover to service the facility comfortably.
Healthy business conduct
Sound account behaviour and commitments you’re on top of.
Director guarantee
A director stands behind the facility, as with most business lending.
For finance brokers
Have a client who fits the GreyRok appetite?
A dedicated path for brokers and referral partners submitting quality Australian SME opportunities. Direct access to our credit team and clear feedback on every deal.
FAQ
Questions worth asking.
See if GreyRok is right for your business.
Answer a few straightforward questions to understand whether your business meets our initial lending criteria.