Verify in the app
Download Brolly, create your lender profile, complete identity checks and review the lender terms.
Lending in app
Put your money to work one loan at a time.
Brolly lets verified lenders fund short-term borrower demand through a clear app-based lending loop. Add funds, turn Auto-Deploy on or off, and track what is available, on hold, active, returned and earned.
The target return is 12% p.a. You see the lending structure before funds are matched, and you stay in control of whether your available balance can be used for new loans.
The upside is a clear one-loan-at-a-time model. The trade-off is that repayment can be late, recovery can take time, and funds already active in a loan are not instantly withdrawable.
The 12% p.a. return is a target, not a promise. Outcomes depend on borrower repayment, timing and product terms.
Lender wallet Auto
Available balance
Ready to match A$1,000
Target return 12% p.a.
Loan by loan A$1,000 matched for 30 days at a 12% p.a. target return is about A$10 before rounding and any final product-specific treatment. Illustrative only.
Start from A$100
Target return 12% p.a.
Matching model 1 loan at a time
Typical borrower cycle 30 days
Lender platform fee A$0
Wallet states Available / On hold / Active / Returned / Earned
How lending works
Verify, fund, match, track, repeat.
Brolly keeps the lender flow simple. The app shows where your money is before it is matched, while it is active, and after it comes back.
Fund your wallet
Top up from A$100. Available funds sit in your Brolly wallet until they are matched, withdrawn or left idle.
Control Auto-Deploy
Auto-Deploy decides whether available funds can be matched to eligible borrower requests. Turn it on to participate. Pause it when you want available funds to stay out of new matches.
Get matched
When a borrower request is eligible and funds are available, Brolly can match one lender to one borrower loan. The app shows the deployed amount, target return and current status.
Track the cycle
Your wallet can move through available, on hold, active, returned and earned states. When the borrower repays, funds can return to the wallet for withdrawal or redeployment.
Why Brolly
A clearer way to participate in short-term lending.
Brolly is built for lenders who want visibility and control, not a pooled black box.
12% p.a. target return
Brolly targets 12% p.a. for lenders, with the target shown before deployment.
Verified borrower demand
Borrower requests go through identity, bank-data, affordability and product checks before they can be matched.
One-loan-at-a-time matching
Your funds are matched to borrower demand one loan at a time, so the status is easier to understand.
Clear wallet states
Available funds, on-hold funds, active loan principal, returned principal and earned return are separated in the lender wallet.
App-level control
Fund from A$100, pause Auto-Deploy, track active loans and manage available funds from the app.
A$0 lender platform fee
Brolly does not charge a lender platform fee in the standard lender flow.
Before deployment
More signal before funds go active.
Before a match is made, Brolly checks the borrower request and keeps the lender flow visible.
Borrower checks
Brolly uses identity and fraud checks, consented bank-data signals, affordability indicators, repayment context and product rules.
Product limits
Borrowers only see amounts available to them. Eligibility, current borrowing position and product availability decide what can be offered.
Matched lending
Brolly matches available lender funds to borrower requests loan by loan. It is not a savings account and not a pooled deposit-style balance.
Payment rails
Money movement is handled through Brolly and payment partners such as PayTo, Monoova and NPP-supported flows where applicable. It is not a direct lender-bank-to-borrower-bank transfer.
Status updates
If a repayment is late, the wallet makes the updated state clear: active, due, late, recovering, returned.
Product preview, not a promise. Target return only. Not guaranteed. Final amounts depend on the product terms shown in the app and borrower repayment.
Wallet states
Know where your money is.
A good lender experience makes the wallet obvious: available, on hold, active, returned and earned.
Return mechanics
12% p.a. target return, shown before deployment.
Brolly connects the target return to a matched loan cycle. When funds are matched, the app shows the amount deployed, the expected borrower cycle, the target return and the repayment status.
When your funds are matched, Brolly shows the deployed amount, 12% p.a. target return, expected borrower cycle and repayment status. If the borrower repays, principal returns to your wallet. If repayment is late, the loan moves into the relevant status so you can keep track.
Matched amount Shown in app
Target return 12% p.a.
Example cycle 30 days
Loan status Active / late / recovery / returned
The 12% p.a. return is a target only. It is not bank interest, not a deposit rate and not guaranteed income.
Controls & limits
Control the tap.
Brolly gives lenders a simple operating model: fund from A$100, control Auto-Deploy, track active loans, and manage available funds from the app.
Start from A$100
Top up from A$100, with A$100 increments under the standard app limits.
Auto-Deploy control
Switch Auto-Deploy on when you want available funds to be matchable. Pause it when you want available funds to stay idle.
Available vs active
Available wallet funds can be managed in the app. Active loan funds are tied to the borrower cycle until repayment or recovery.
Withdraw available funds
Funds not active in a loan can be managed through the wallet. Funds already active come back when the loan closes or recovery completes.
Larger lender pathway
If you are considering a larger allocation than the standard app flow, use the larger lender pathway for a separate conversation about fit, limits, staged deployment and reporting.
Plain lender disclosure
A good lender page can sell the upside and still be honest.
Brolly is lending, not a savings account. The upside is a 12% p.a. target return and a clear one-loan-at-a-time model. The trade-off is that repayment can be late, recovery can take time, and funds already active in a loan are not instantly withdrawable.
Target returns are not guaranteed
A borrower may repay late or not repay in full, and deployed funds may be delayed or lost.
Not a bank account
Brolly is lending, not a savings account, deposit account or government-backed savings product.
Active funds are not instantly withdrawable
Funds already active in a loan remain tied to that borrower cycle until repayment or recovery.
No Financial Claims Scheme cover
Lender funds are not covered by the Australian Government Financial Claims Scheme.
Important. Target returns are not guaranteed. A borrower may repay late or not repay in full, and deployed funds may be delayed or lost. Brolly is not a bank, deposit account or government-backed savings product. Funds are not covered by the Australian Government Financial Claims Scheme.
FAQ
Questions lenders ask before money moves.
Plain answers for the app-based lender path: onboarding, wallet funding, Auto-Deploy, matching, withdrawal, target returns and late repayment.
Read the full lender FAQ (81 questions)How do I become a lender on Brolly?
Download Brolly, create your lender profile, complete identity checks, review the terms and fund your wallet. Once your account is ready, you can choose whether available funds can be matched.
What is the target return?
The lender target return is 12% p.a. It is a target return, not a guaranteed outcome.
What is the minimum amount to start?
Current product references start from A$100, with A$100 increments. Wallet limits and eligibility checks may apply.
How are funds matched?
Brolly matches available lender funds to eligible borrower requests one loan at a time. Matching depends on borrower eligibility, available lender funds, product availability and the app's matching rules.
Can I pause lending?
Yes. Auto-Deploy controls whether available funds can be used for new matches. Pausing Auto-Deploy keeps available funds out of new borrower matches.
Can I withdraw funds?
Available wallet funds can be managed through the app. Funds already active in a loan are tied to that loan cycle until repayment or recovery.
What happens if a borrower is late?
The loan moves into late or recovery status. Brolly runs reminder and recovery workflows, and the lender wallet reflects the updated state. Recovery is not guaranteed.
Is Brolly a bank account?
No. Brolly is not a bank account, savings account or deposit product. Lending through Brolly carries risk, including possible loss of principal.
Next
Start lending from the app.
Download Brolly, complete verification, fund your wallet and choose whether your available balance can be matched to short-term borrower demand.
A 12% p.a. target return. Clear wallet states. One loan at a time.