Lender disclosure
No scare tactics. Just the lending facts.
Brolly gives lenders a structured way to participate in short-term matched lending: verified borrowers, one-loan-at-a-time matching, visible wallet states and payment workflows inside the app.
It is still lending, not a savings account. Returns are target returns. Repayment can be late. Funds active in a loan are not instantly withdrawable.
The 12% p.a. lender return is a target, not a promise. Repayment and recovery timing affect final outcomes.
Risk summary
The product is clearer when the terms are clear.
Brolly is designed so lenders can see the structure before they put funds to work. You fund a wallet, choose whether Auto-Deploy is on, and track available, on-hold, active, returned and earned states.
The 12% p.a. lender return is a target, not a guarantee. A borrower may repay late or not repay in full. Funds active in a loan may be delayed or lost. Brolly is not a bank, deposit account or government-backed savings product.
Review the structure before turning Auto-Deploy on.What can happen
The main things to understand before lending.
The point is not to make Brolly feel scary. It is to make the lender decision cleaner before money moves.
Borrower repayment
A borrower may repay on time, repay late or fail to repay in full.
Return timing
A target return is connected to the matched loan cycle. The final outcome depends on borrower repayment and product terms.
Wallet timing
Available wallet funds and active loan funds are different. Active funds are tied to a borrower cycle until repayment or recovery.
Recovery
If repayment is late, Brolly can run reminder and recovery workflows. Recovery can help, but it does not promise a full or instant result.
Platform and payment operations
Brolly relies on app, payment and operational systems. If something needs review, the status is visible and supportable.
What Brolly checks
Checks happen before matching.
Brolly does not match lender funds to a borrower request without first running checks through the app flow.
Verified identity Users complete identity and account checks before using the relevant side of the app.
Consented bank data Borrower requests can use Open Banking signals where consent is provided.
Affordability and product rules The requested amount is checked against affordability signals, current borrowing position and product availability.
One-loan-at-a-time matching The structure is easier to follow because each loan is matched 1:1.
Payment and repayment setup Money movement and repayment status are handled through Brolly and payment partners.
Not a bank
Brolly is a lending platform, not a deposit product.
Lender funds are not bank deposits, savings accounts or term deposits. Brolly is not a bank, and funds are not covered by the Australian Government Financial Claims Scheme.
A savings account
Lender funds are not bank savings or an at-call deposit.
A deposit account
Brolly is a lending platform, not a deposit product.
Bank interest
The 12% p.a. lender return is a target return, not bank interest.
Government-backed capital protection
Brolly is not a bank and funds are not covered by the Australian Government Financial Claims Scheme.
A guaranteed-income product
The target return depends on borrower repayment, timing, recovery and product terms.
Assurance limits
Support mechanisms are not guarantees.
Brolly may have recovery, assurance, reserve or support mechanisms depending on the product terms. Treat them as support mechanisms only.
Any assurance, reserve or support mechanism is limited and subject to its terms. It should not be treated as insurance, a guarantee or a promise that funds will always be returned.Smarter lending
If the structure makes sense, review the lender flow.
Download Brolly, verify your profile, fund from A$100 and decide whether Auto-Deploy fits how you want to lend.
This page is a plain-English overview and should be read together with the current app terms, loan contract, privacy policy and risk disclosures.