Working capital · Australia · B2B only
Trade Finance, Supplier Credit, and Construction Loans on one platform — designed for Australian builders, suppliers, and developers who can’t afford to wait on payment terms.
ABN required · No fees to apply · Decisions in 24 hours
Three products, one platform
Each product solves a specific cashflow problem. They share a single onboarding, one dashboard, and one set of payment rails — so the whole picture is visible in one place.
Upload a supplier invoice. We pay the supplier within 24 hours and direct-debit you when the job is paid. No more cashflow gaps between job completion and customer payment.
Issue your invoices through monetiq. Your customer gets 30-day terms at no cost. You get paid in full on day one if you want — we underwrite, we collect, we wear the default risk.
Settle the loan, set up the drawdown reserve, and stand up a builder trade-finance line in one workflow. Stage payments verified, drawn, and reconciled — without the spreadsheets.
How it works
We've automated the work that used to take a week of paperwork and a stack of bank statements. The result: faster decisions, fewer surprises, and a clean audit trail at every step.
Two minutes. We pre-fill from the ABR, run KYC and credit checks, and verify your bank details before you click submit. No PDFs to upload, no statements to email.
We assess your application against the right product — or two of them, if your situation calls for it. You see the decision, the limit, and the terms in your dashboard.
Once approved, suppliers are paid within 24 hours, customer invoices issue immediately, and stage drawdowns clear in real time. Repayments run on PayTo or DD — your choice.
Why monetiq
Trade finance has been done badly for a long time. We're not promising magic — we're promising that the things that should be fast are fast, the things that should be auditable are auditable, and the things that should be transparent stay transparent.
We automate ABN, credit, KYC, and bank-statement checks at the API level. No printed statements, no chasing references, no chasing a credit officer at 4pm on a Friday.
Whether you need to pay a supplier, offer a customer 30-day terms, or fund a development, you don't apply three times. One profile, one dashboard, one repayment rail.
Hosted in AWS Sydney. Designed against the Privacy Act and APP. AUSTRAC reporting entity. CDR data-holder ready. No customer data leaves Australia.
ABN-required, business-purpose only. We don't pretend to be a consumer-credit product. Cleaner regulation, sharper underwriting, fewer surprises for everyone.
FAQ
Australian businesses with an active ABN. We're B2B-only — we don't lend for personal, domestic, or household purposes. Sole traders with an ABN are welcome on the supplier side; trade finance and construction loans typically apply at company level.
Most applications get a decision within 24 hours of complete submission. Once approved, supplier pay-outs land same business day; PayTo authorisations clear in real time; direct debits clear within 1–2 business days.
Trade Finance is a single fee on the invoice based on the term you choose. Supplier Credit is free for the customer; the supplier pays a fee only if they take an early advance. Construction Loans are quoted per deal — interest on either a pre-paid or capitalised basis, your election. No application fees on any product.
We pull commercial credit reports (Equifax), verify identity (DigitalID), check business standing (CreditorWatch), and look at recent bank-transaction patterns (illion, with your consent via CDR). Decisions blend automated assessment with human review on anything material.
All customer data is stored within Australia (AWS Sydney). We're a registered AUSTRAC reporting entity, comply with the Australian Privacy Principles, and are CDR data-holder ready. We don't sell data to anyone — we use it to assess your application and run your account, full stop.
Yes. If you issue an invoice to a customer who isn't onboarded yet, they receive an invitation to accept. They sign up, complete KYC, and accept the invoice in one flow — typically in under five minutes. No fees to them, ever.
Tell us about your business in two minutes. We’ll come back inside 24 hours with a decision, a limit, and the terms that fit.
Questions? hello@lequidity.com.au