How it works
Short-term credit, matched one loan at a time.
Brolly connects verified borrowers with verified lender funds through a simple app-based lending loop.
Borrowers see the amount, flat fee, due date and repayment obligation before they apply. Lenders add funds, control Auto-Deploy and choose whether their available balance can be matched to borrower demand.
Behind the app, Brolly runs identity checks, consented bank-data checks, product rules, payment processing, repayment tracking and operational review paths. The experience feels simple because the heavy lifting happens in the flow.
Brolly is lending, not a bank account. Target returns are not guaranteed.
Borrower request 1:1 Lender capital
Not pooled. Idle, pending and deployed lender funds stay visibly separate.
The Brolly loop
The five-step loop.
Simple on the surface. Serious underneath. The loop works when borrower demand, checks, available lender funds, payment rails and repayment all line up.
A borrower applies or a lender funds
Borrowers check what may be available. Lenders add funds to their Brolly wallet and decide whether available funds can be matched.
Brolly runs checks
Brolly verifies identity, checks consented bank-data signals, reviews affordability and applies product rules before a borrower request can move forward.
The loan is matched 1:1
When eligible borrower demand and available lender funds line up, Brolly can match one lender to one borrower loan.
Money moves through Brolly rails
Brolly and its payment partners manage the movement of funds, repayment setup and status updates.
Repay, recover, withdraw or redeploy
If the borrower repays, the lender wallet updates and funds can become available again. If repayment is late, Brolly moves the loan into reminder and recovery workflows.
For borrowers
Know the amount, fee and due date before you accept.
Brolly is designed for short-term credit with clear numbers. Eligible borrowers can see what amount may be available, what the flat 5% fee is, when repayment is due and what happens next.
You see:
- the amount you may be eligible for
- the flat 5% service fee
- the repayment date
- the total amount due
- the relevant terms before accepting
Eligible borrowers can access set amounts up to A$2,000. The amount available depends on verification, affordability, product availability and current borrowing position.
For lenders
Control when available funds can be matched.
Lenders fund a Brolly wallet from A$100, review the lending terms and choose whether Auto-Deploy is on. The app makes the money state obvious: available, on hold, active, returned and earned.
- Verify in the app.
- Fund the wallet from A$100.
- Choose whether Auto-Deploy is on.
- Track the match, target return and status.
- Withdraw available funds or redeploy after repayment.
Behind the app
What Brolly checks.
Brolly combines identity, bank-data and product checks before a borrower request can move forward.
FrankieOne Identity, fraud and verification checks.
Basiq Consented bank-data signals used for transaction and income-related context.
Brolly risk engine Eligibility, product limits, borrower risk rules and repayment behaviour signals.
Monoova / PayTo / NPP Payment agreements, top-ups, disbursements and repayment movement.
Recovery workflows Reminder and recovery pathways when repayment fails or becomes overdue. Some recovery may involve specialist collections support.
Late repayment
What happens if repayment is late.
A late repayment does not disappear into a black box. The loan status changes, reminders and recovery workflows begin, and the lender wallet shows the current state.
Active funds remain tied to the borrower cycle until repayment or recovery is complete.
Plain disclosure
The lender target return is 12% p.a. on the lender page. It is a target return, not guaranteed income. Active funds remain tied to the borrower cycle until repayment or recovery is complete.
FAQ
Plain answers before anyone taps borrow or lend.
Is Brolly a bank?
No. Brolly is lending, not a bank account. Target returns are not guaranteed.
Do borrowers see the fee before applying?
Yes. Borrowers see the service fee, repayment date and total due before proceeding.
Can every borrower access A$2,000?
No. Eligible borrowers can access set amounts up to A$2,000 depending on verification, affordability, product availability and current borrowing position.
How do lenders control matching?
Lenders fund a Brolly wallet from A$100 and choose whether Auto-Deploy is on.
What happens if repayment is late?
The loan status changes, reminders and recovery workflows begin, and the lender wallet shows the current state.
Can lenders withdraw funds anytime?
Available wallet funds can be managed in the app. Active loan funds are tied to the borrower cycle until repayment or recovery.
Next
Open Brolly and follow the loop.
Borrowers can check what may be available. Lenders can review the 12% p.a. target return, wallet states and Auto-Deploy controls before funds are matched.