Everything you might want to ask.

You can start lending with as little as $100. There is no minimum beyond that — you simply top up your wallet and the platform begins building your portfolio automatically. The maximum lender wallet is $100,000 and is subject to approval. Feel free to contact us at [email protected] Download the to get started.

No. Joining is completely free and there are no platform fees for lenders. You only earn from the borrower’s flat service fee.

Your funds support real everyday Australians who need short-term help for personal expenses like bills, unexpected costs, or bridging gaps until their next pay.

As soon as your funds settle in your wallet (usually within minutes via PayID), our platform automatically starts allocating them into new 30-day loans. You can begin earning straight away — earnings from the borrower’s flat service fee are credited upfront on each new loan.

Clean, simple, and rewarding. You get instant notifications when funds are allocated, when repayments arrive, and when earnings are credited. Most lenders just top up, watch their portfolio grow, and withdraw or reinvest every 30 days — it feels like passive income on autopilot.

No, Brolly charges 0% interest. Borrowers simply pay a flat 5% service fee on the principal amount.

To activate your account you must: Register with email, phone, and password Verify your email/phone Upload valid ID (e.g., passport or driver’s licence) Connect a valid Australian bank account Confirm you intend to be a Lender.

You fund your wallet (starting from $100), and our platform automatically matches your funds with pre-approved borrowers using advanced machine learning. Because Brolly facilitates true individual lending, each loan is fully funded by you alone. You can track every match, repayment, and return in real time directly inside the app. Disclaimer: Brolly’s automated matching system connects your funds with individual borrowers based on platform criteria. We act strictly as an intermediary and do not guarantee the repayment of any matched loan.

Our platform uses advanced machine learning, live Open Banking data, and AI vetting to rigorously assess and automatically match your funds with suitable borrowers. You do not manually select individual loans. Instead, the system automatically matches your available capital across multiple borrower loans to keep your money working efficiently. By depositing funds into your account and keeping the Auto Deploy feature turned on, you consent to this automated matching process. Disclaimer: Brolly acts solely as a matching intermediary. While we utilize advanced data vetting and Open Banking insights, we do not underwrite the loans, provide financial advice, or guarantee the repayment behavior of any specifically matched borrower.

We partner with Monoova, which provides specialised infrastructure for automated, large-scale payment orchestration using the New Payments Platform (NPP) and PayTo protocols. This enables instant, 24/7 fund transfers and guarantees pre-authorised, programmable "pull" repayments, ensuring capital is never stagnant.

1. What it means: Utilisation refers to the percentage of your total wallet balance that is actively deployed into live 30-day loans. Because you only earn the upfront flat fee on funds that are actually disbursed to a borrower, any money sitting idle in your wallet earns nothing. 2. Why it matters (An Example): When utilisation is high, your capital is working efficiently. For example, if platform utilisation is at 99%, it means 99 cents of every dollar in your wallet is actively out in loans earning returns, with only 1 cent waiting to be matched. High utilisation means your money spends less time waiting and more time earning. 3. The Reality Check: While Brolly’s algorithm is built to deploy your funds as fast as possible, your personal utilisation rate will constantly fluctuate. It goes up and down based on real-time borrower demand, the total amount of lender capital currently on the platform, and the speed at which old loans are repaid. Disclaimer: Utilisation rates are highly variable and strictly dependent on real-time market conditions and borrower demand. Brolly does not guarantee that your funds will be fully or immediately deployed. Any historical utilisation figures mentioned are for illustrative purposes only and do not guarantee future platform performance or individual deployment speeds.

Auto Deploy is an automated feature designed to keep your capital working efficiently without you needing to manually approve every single loan. When you add funds to your wallet, Auto Deploy is turned ON by default. Our platform will automatically allocate your available, idle balance into new 30-day loans as soon as suitable borrowers are matched. You can toggle Auto Deploy on or off at any time in the app with one tap. What happens if I turn it off? If you turn Auto Deploy off, any new deposits or repaid funds returning to your wallet will sit idle. Because you only earn your upfront return on capital that is actively deployed into a loan, leaving your funds idle will significantly lower your overall portfolio return. Many lenders choose to leave Auto Deploy on so their capital compounds continuously. Important note on withdrawing funds: While you can turn Auto Deploy off instantly to pause future lending, this does not recall funds that are already active in the market. You will still need to wait for any currently active 30-day loans to be repaid by the borrower before those specific funds return to your wallet and become available for withdrawal. Disclaimer: Auto Deploy automates the matching process but does not guarantee immediate deployment of funds, as this relies entirely on real-time borrower demand. Brolly does not provide financial advice; lenders should manage their Auto Deploy settings based on their personal liquidity needs.

Feature Auto Deploy (ON) – Recommended Manual Mode (OFF) How it works Automatically invests your available funds into new loans as soon as matches appear Your funds stay idle in the wallet until you manually deploy them Default setting ON when you add money You must turn Auto Deploy off Effort required Zero – completely hands-off High – you have to actively monitor and deploy Capital utilisation Very high (historically ~99%) Often very low – money frequently sits idle Earnings impact Maximised – you earn fees almost continuously Returns stop and returns drop dramatically while funds are idle Flexibility Full control – turn on/off with one tap anytime More precise timing control but at the cost of returns Best for Most lenders wanting passive income and strong returns Lenders who want to pause lending or time the market manually

No. Brolly does not guarantee that your funds will be continuously or fully deployed. Because our platform relies on real-time borrower demand and our strict capital matching criteria, your funds may remain idle in your wallet if there are no suitable borrowers available at any given time. Disclaimer: Deployment of capital is strictly dependent on real-time market conditions and borrower demand. Brolly does not guarantee that your funds will be matched or generate returns.

No. You cannot manually select individual borrowers. Brolly uses an automated matching system to ensure capital is deployed as quickly and efficiently as possible. When you allocate funds to your active lending wallet, our algorithm automatically matches your capital with pre-approved, qualified borrowers. By depositing funds into your account and keeping the Auto Deploy feature turned on, you are agreeing to this automated matching process. Disclaimer: Brolly’s automated matching system allocates funds based on platform criteria and real-time borrower demand. We do not guarantee the financial performance or repayment behavior of any specifically matched borrower.

You have complete control over your capital. After a borrower repays you at the end of their cycle, you can choose to withdraw your funds, or you can automatically roll your funds into new loans to keep your portfolio active. Disclaimer: Reinvestment is subject to active borrower demand on the platform; continuous lending and returns are never guaranteed.

All loans on Brolly have a fixed maximum term of 30 days. There are no extensions or longer terms. Borrowers can repay early at any time during the 30-day period.

Monoova's payment rails automate the movement of capital, enforcing our 30-day loan velocity entirely by code. This allows for high-precision payment collection and reconciliation with zero manual intervention.

We do not charge borrowers traditional interest; instead, they pay a flat 5% access fee for their 30-day loan. When your capital is matched with a borrower, a portion of that fee is allocated directly to your account. This fee-sharing model is what generates your target return, depending on how quickly the borrower repays within that cycle will determine your end result for the specific contract and make up part of your overall portfolio return. Disclaimer: Target returns are variable, dependent on borrower repayment behavior, and not guaranteed.

No, Brolly does not pool your money into a common fund. We use a proprietary algorithm that creates a direct capital match between you (a single lender) and a single borrower. Disclaimer: Your capital is not pooled, meaning your specific return is tied directly to the performance of your individually matched borrowers.

Brolly acts as an intermediary, using a proprietary algorithm to facilitate matching between lender capital and eligible borrower loans.

No. Even if your funds are diversified across multiple loans, each individual loan is funded by only one lender.

All loans on the platform are strictly limited to a fixed duration of 30 calendar days.

No, the platform is strictly built to prevent this. Every loan is a single-cycle, non-compounding contract. Through our real-time affordability checks, each borrower is pre-approved for a safe, predetermined borrowing limit. Borrowers must fully repay any outstanding loans before they are permitted to reapply or access funds beyond that limit. This structure completely eliminates the risk of rollovers, credit stacking, or escalating debt spirals.

You only earn your upfront return (e.g., 1% per 30-day cycle) on funds that are actually disbursed into active loans. Any money sitting idle in your wallet does not generate returns. "Utilisation" refers to the portion of your total wallet balance that is actively deployed in the market. When borrower demand is strong and platform utilisation is high, it means the vast majority of your capital is working continuously, with very little sitting idle. This high deployment speed is what drives consistent earning opportunities. However, utilisation is never static. It fluctuates continuously based on real-time borrower demand, the total amount of lender capital currently on the platform, and the speed at which old loans are repaid. Disclaimer: Utilisation rates are highly variable and strictly dependent on real-time market conditions. Brolly does not guarantee that your funds will be fully or immediately deployed. Past performance is not indicative of future results, and returns are not guaranteed.

Your actual return can vary from our target rates for a few key reasons: Repayment Timing: Your annualised return is highly dependent on exactly when a borrower repays. Early repayments allow you to redeploy capital faster, while late repayments tie up your capital and slow down your effective annualised return. Idle Funds: You only earn the upfront fee on capital that is actually disbursed into a loan. Any money sitting un-deployed in your Brolly Wallet does not earn a return. Variable Fees: Target rates can vary depending on the specific fees attached to your matched loans, and returns are never guaranteed. Because your funds are matched directly to individual borrowers who will naturally repay at different speeds, looking at your blended results across all of your active and completed loans (your "portfolio view") will always give you the most accurate picture of your true earnings. Disclaimer: Target rates are strictly illustrative. Actual returns are variable, dependent on individual borrower behavior and platform utilisation, and are not guaranteed. Past performance is not indicative of future results.

You get paid on Day 1, not Day 30.
Most lending makes you wait until a loan ends to receive interest. Brolly doesn't. The borrower's flat fee is paid upfront, so your share lands in your wallet on Day 1. Fee amounts vary month to month based on the loans you're matched to.

Two ways to use it
Lend A$100,000 at a 12% p.a. target return. Your share for the cycle lands in your wallet on Day 1.

Withdraw it. Pull the fee to your bank. Your actual capital deployed is reduced. Across 12 cycles, this tracks to the 12% p.a. target.

Reinvest it. Drop the fee straight into a new loan the same day. Your balance can compound above the simple target across the year, depending on how continuously your capital stays deployed.

What if a borrower pays late?
You keep the fee you earned upfront. But your principal is tied up longer, which slows down how often you can redeploy. One late loan affects one cycle, not your whole position.

Look at the portfolio, not the loan.
Some borrowers pay early. Some on time. Some late. Across an active portfolio, these average out. Your portfolio return is the only number that matters.

Disclaimer: Figures are illustrative. Fee amounts vary month to month depending on the loans matched. Actual returns vary based on borrower repayment timing, fee structure on matched loans, and how continuously your capital stays deployed. Returns variable. Capital at risk. Past performance not a guarantee of future performance.

Earnings from the borrower's flat fee are credited to your wallet on Day 1 of the loan.

Your principal returns at the end of the 30-day cycle, or earlier if the borrower repays before the term ends.

Brolly is the platform, not the borrower. Your loan contract is directly with the individual borrower. Repayment depends on them, not on Brolly. We do not guarantee borrower repayments.

Past performance is not a guarantee of future performance. Returns variable. Capital at risk.

Brolly automatically spreads your funds across multiple individual borrower loans as soon as you top up your wallet. The more you deploy, the more naturally diversified your portfolio becomes. Diversification helps reduce the impact of any single loan, but it does not guarantee repayment or return.

The target return is 12% p.a., paid from the borrower's flat service fee. Actual returns vary based on borrower repayment timing, fee structure on matched loans, and how continuously your capital stays deployed.

Past performance is not a guarantee of future performance. Returns variable. Capital at risk.

Yes. Brolly may spread your capital across multiple borrowers, depending on your wallet balance and current platform activity. The more funds you deploy, the more naturally diversified your portfolio becomes across individual loans. Diversification helps manage risk but does not eliminate it.

Idle funds in your wallet can be withdrawn at any time, 24/7. No lock-ins, no waiting periods.

Funds active in a loan are tied to the 30-day cycle until the borrower repays. Once a loan closes, the principal and earnings return to your wallet and can be withdrawn or redeployed.

Earnings are credited to your wallet on Day 1 of the loan, paid from the borrower's flat fee.

Your principal returns at the end of the 30-day cycle, or earlier if the borrower repays before the term ends.

Brolly is the platform, not the borrower. Repayment timing depends on the borrower, not on Brolly.

Returns variable. Capital at risk.

Top-ups and withdrawals are typically instant via PayID on the New Payments Platform. Borrower repayments process through Monoova and credit to your wallet within minutes of receipt.

No. Funds active in a loan are committed for the 30-day cycle. Withdrawals from those funds occur when the loan closes and the borrower repays.

Idle funds in your wallet remain withdrawable at any time.

Yes. The app shows every loan in your portfolio, including status, repayment progress, days remaining and earnings credited.

Yes. Brolly applies wallet limits for operational, risk, security and compliance reasons. Your current limit is shown in your account. Limits may change at Brolly's discretion.

If you want to deposit above the current platform limit, contact the team about higher limits.

If a borrower misses their repayment, automated reminders trigger immediately. If the loan remains unpaid, recovery escalates through Brolly's collections process and then to InDebted, a specialist digital collections platform.

Recovery action does not guarantee full repayment.

Late (1 to 89 days past due): Borrower has missed the 30-day repayment date. Automated reminders and recovery efforts are underway. Capital is delayed but recovery is active.

In default (90+ days past due): Loan is formally classified as a default. External recovery via InDebted continues. Brolly may attempt to reimburse principal from the Assurance Account, subject to available reserves.

Recovery is not guaranteed.

Before due date: Automated SMS, email and in-app reminders. Day 0 to 14: Account flagged. Automated reminders continue. Day 14 to 59: Internal collections escalation. Platform perks suspended. Day 60: InDebted activated for AI-driven recovery. Day 90: Loan formally classified as default. External recovery continues. Account may be referred for legal action as a last resort.

Timeline is a general guide. Actual steps and timing may vary.

No. Your principal and returns are not guaranteed.

The Brolly Assurance Account is a discretionary reserve funded from platform margin that may help absorb principal loss. It is not insurance. It is not government-backed. Payouts depend on available reserves and Brolly's discretion at the time of default.

Capital is at risk.

No. The Assurance Account is a discretionary reserve, not insurance. Payouts depend on available reserves and Brolly's discretion at the time of any default.

If multiple borrowers default at the same time, the reserve may not be sufficient to cover all losses.

If the Assurance Account cannot cover a defaulted loan, Brolly continues to pursue the borrower through automated and external collections processes to recover the outstanding amount.

Recovery is not guaranteed.

The two structural risks every lender should understand:

Borrower risk. You are lending directly to a specific individual. If your matched borrower defaults, your capital is directly impacted.

Assurance Account limits. The Assurance Account is a discretionary reserve, not insurance. It cannot be relied on as a guaranteed safety net.

Additional general risks include: late repayment delaying your principal, returns lower than the 12% p.a. target, and platform or regulatory changes that affect operations.

Capital is at risk.

Wallet balances sit in segregated client funds through Monoova (an AFSL-licensed payment provider), separate from Brolly's corporate accounts.

Active loans remain legally enforceable obligations between borrower and lender. Recovery continues under the existing servicing arrangements.

Liquidity and recovery timing in a platform disruption scenario cannot be guaranteed.

Basiq provides real-time access to borrower bank transaction data through Open Banking. This allows Brolly to assess actual income and cash flow at the moment of application, rather than relying on credit scores that may be months old.

To learn more about Basiq: basiq.io

Open Banking (called the Consumer Data Right in Australia) lets users securely share bank transaction data with accredited providers, only with their explicit consent. Brolly accesses this data through Basiq to assess borrower affordability in real time, not from stale credit reports.

Through live Open Banking data via Basiq. The platform reviews actual income, spending patterns and existing credit obligations against the requested loan amount. Affordability is assessed at the point of application, not based on historical credit scores.

FrankieOne handles identity verification, KYC, AML and CTF screening, sanctions checks and fraud detection on every borrower before they can submit an application.

To learn more about FrankieOne: frankieone.com

Every borrower clears identity verification, biometric checks, AML and CTF screening, PEP and sanctions screening, fraud detection and Open Banking affordability assessment before any capital is exposed. Around 30% of completed applications are declined.

Monoova provides the payment infrastructure: instant PayID top-ups, segregated wallet management, and automated loan disbursement and repayment via the New Payments Platform (NPP) and PayTo.

To learn more about Monoova: monoova.com

Repayments are automated through Monoova on the New Payments Platform via PayTo agreements. Repayment executes on the scheduled date at the end of the 30-day cycle.

Minimal. Credit decisioning, identity verification, affordability checks, disbursement, repayment and recovery run automatically across the partner stack (Basiq, FrankieOne, Monoova, InDebted) and Brolly's proprietary risk engine.

Yes. Brolly handles personal and financial data under Australian privacy law (Privacy Act 1988), the Notifiable Data Breach scheme, and the Consumer Data Right (CDR) regime. Only the data needed to assess applications, verify identity and process payments is collected. Data is shared only with accredited providers (Basiq, FrankieOne, Monoova) under strict data-sharing agreements.

Monoova is an AFSL-licensed payment provider regulated by ASIC. Lender funds are held in segregated client trust accounts, separate from Brolly's corporate accounts. Funds are protected by bank-grade encryption, real-time reconciliation and regulatory oversight.

To learn more about Monoova: monoova.com

Identity verification, KYC, AML and CTF screening, sanctions checks, biometric verification and fraud detection are handled by FrankieOne on every borrower and lender. Data is processed only for verification and compliance purposes under Australian privacy law.

To learn more about FrankieOne: frankieone.com

Yes. Open Banking access is regulated under the Consumer Data Right (CDR) regime. Bank data is shared only with accredited providers (Basiq) and only with your explicit consent. Consent can be revoked at any time. Brolly accesses bank data as a CDR Representative via Basiq.

To learn more about Basiq: basiq.io

Brolly may require:

• Identity verification (KYC) before granting access to the platform
• Ongoing AML and CTF monitoring and due diligence
• Third-party identity verification and due diligence support, including credit reporting agency checks

Inaccurate or fraudulent information may result in account freezing, transaction blocking, or termination. Reportable matters may be referred to relevant authorities.

Yes. Brolly may decline an application or close an account at its discretion, including where regulatory obligations or platform conditions require it. No reason is required to be provided.

No. Brolly is not a bank. Funds in your Brolly wallet are not deposits with or loans to Brolly, and are not covered by the Australian Government Financial Claims Scheme.

Brolly operates under the short-term low-cost credit exemption (s6(1) NCC), is enrolled with AUSTRAC as a reporting entity, and accesses Open Banking data as a CDR Representative via Basiq (an Accredited Data Recipient).