Fast decisions. Commercial judgement. Clear answers.
Fast business loans,
assessed by people.
Access $5,000 to $500,000 in short-term working capital, with a fast decision and one fixed repayment amount agreed upfront.
Business-purpose lending only. Eligibility, approval criteria, fees and terms apply.
Eligibility checker
See if your business may qualify.
Answer a few questions to check whether your business meets GreyRok’s initial lending criteria. This will not affect your credit score.
- No name, email or phone needed for a result
- No credit enquiry
- Answers carry straight into the application
The GreyRok facility
Capital that works.
Clear from the start. Built for the short term. One product with the key terms confirmed in writing in your offer before you sign anything.
$5k to $500k
Short-term business loans
3 to 12 months
Short, defined loan terms
One fixed cost
Agreed before you commit
Product summary
- Loan amount
- $5,000 to $500,000
- Facility type
- Short-term business loan
- Security
- Secured or unsecured, case by case. Director guarantee commonly required
- Typical term
- 3 to 12 months
- Repayments
- Fixed direct debits, on a schedule agreed before you sign
- Pricing
- One fixed total agreed upfront
- Early payout
- Available with no penalty. Confirm with us before settling
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.
- Step 1
Tell us what you need
Choose your amount and business purpose.
- Step 2
Tell us about the business
ABN, industry, trading history and revenue.
- Step 3
We assess the application
GreyRok reviews the business and the proposed facility. We’ll come back to you directly with any questions.
- Step 4
Review your offer
If approved, you’ll receive the terms and fixed repayment amount before proceeding.
Worked pricing example
One fixed total, agreed before you sign.
Here is what a facility can look like. The loan cost is fixed at the offer, so the total repayable is known before you accept.
Check my eligibility- Amount received
- $30,000
- Fixed loan cost
- $4,200
- Indicative term
- 4 months
- Establishment fee
- Disclosed in your offer
- Total amount repayable
- $34,200
Illustrative example only and not an offer of finance. Pricing, fees, repayment amounts and early-payout terms are subject to assessment and the final loan agreement. Fixed loan cost shown is subject to final approval.
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, commitments on track.
Director guarantee
A director stands behind the facility.
Why GreyRok
Direct decisions. Clear answers.
GreyRok is an Australian direct lender providing short-term working capital to established businesses. We assess every application in-house, which means faster decisions, direct access to the people reviewing your application and loans structured around your business’s capacity to repay.
- 01DirectYou deal with the lender making the decision.
- 02CommercialWe consider the whole business, not one score.
- 03ClearYour total repayment is provided before you sign.
We lend our own capital to established Australian businesses, with decisions made in-house , short terms and one fixed repayment agreed before you sign.
Industries and loan uses
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.
- Trades
- Professional services
- Healthcare
- Manufacturing
- Wholesale
- Transport
- Retail
- Not listed? Check anyway
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.
Straight answers
Questions worth asking.
Know where you stand before you take the next step.
View all FAQsSee if GreyRok is right for your business.
Answer a few straightforward questions to understand whether your business meets our initial lending criteria.
Business-purpose lending only. Eligibility, approval criteria, fees and terms apply.
