WHOLESALE LENDER FAQ

Brolly marketplace lending is available only to approved wholesale, sophisticated or professional investors. The minimum initial lender allocation is A$10,000, subject to Brolly approval and investor-eligibility verification.

Brolly marketplace lending is restricted to eligible wholesale, sophisticated or professional investors. Before lender access is activated, Brolly may require evidence confirming investor eligibility together with standard identity, KYC and AML checks.

There are no platform fees for approved marketplace lenders. Access remains subject to investor eligibility, KYC and AML checks, and Brolly approval.

Your funds support real everyday Australians who need short-term help for personal expenses like bills, unexpected costs, or bridging gaps until their next pay.

After your lender account is approved and funded, available capital may be allocated through Auto Deploy when suitable borrower loans and platform capacity are available. Capital that remains idle does not earn a return. Deployment timing and returns are not guaranteed.

The app provides notifications when funds are allocated, repayments arrive and earnings are credited. Approved lenders can monitor active loans, wallet balance, Auto Deploy settings and available withdrawals. Capital deployment, borrower repayment and lender liquidity vary with loan status and applicable marketplace terms.

No, Brolly charges 0% interest. Borrowers simply pay a flat 5% service fee on the principal amount.

Apply for wholesale lender access through Brolly. Before activation, Brolly may verify your wholesale, sophisticated or professional investor status and complete the required KYC and AML checks. Once approved, you can fund your lender account and access marketplace lending through the platform.

1. Apply for lender access
2. Confirm investor eligibility
3. Complete KYC and AML
4. Receive Brolly approval
5. Fund lender account
6. Allocate or deploy capital

The minimum initial lender allocation after approval is A$10,000.

After approval and investor-eligibility verification, you fund your lender account with a minimum initial allocation of A$10,000. Brolly’s marketplace can allocate available capital to eligible borrower loans using automated matching, subject to borrower demand and platform capacity. Each loan is funded by one lender, and you can track allocations, repayments and returns in the app.

Deployment, repayment and returns are not guaranteed.

Brolly applies its proprietary credit assessment and eligibility process to borrower applications before loans are made. This does not guarantee repayment or remove lender credit risk. Brolly may also fund eligible loans itself.

Approved marketplace lender capital is allocated according to platform criteria and real-time borrower demand. Lenders do not manually select individual borrower applications.

Monoova provides automated NPP and PayTo payment infrastructure for disbursements and scheduled repayments. Repayment remains subject to borrower payment performance and available funds.

1. What it means: Utilisation refers to the percentage of your total wallet balance that is actively deployed into live 30-day loans. Because you only earn the upfront flat fee on funds that are actually disbursed to a borrower, any money sitting idle in your wallet earns nothing. 2. Why it matters (An Example): When utilisation is high, your capital is working efficiently. For example, if platform utilisation is at 99%, it means 99 cents of every dollar in your wallet is actively out in loans earning returns, with only 1 cent waiting to be matched. High utilisation means your money spends less time waiting and more time earning. 3. The Reality Check: While Brolly’s algorithm is built to deploy your funds as fast as possible, your personal utilisation rate will constantly fluctuate. It goes up and down based on real-time borrower demand, the total amount of lender capital currently on the platform, and the speed at which old loans are repaid. Disclaimer: Utilisation rates are highly variable and strictly dependent on real-time market conditions and borrower demand. Brolly does not guarantee that your funds will be fully or immediately deployed. Any historical utilisation figures mentioned are for illustrative purposes only and do not guarantee future platform performance or individual deployment speeds.

Auto Deploy can allocate eligible, available wallet funds to suitable borrower loans according to platform criteria. It can be turned on or off in the app.

Turning Auto Deploy off stops future automated allocations but does not recall capital already committed to an active loan. Capital becomes available only after the relevant borrower repayment is received and the loan status permits it.

Auto Deploy does not guarantee immediate or complete deployment. Allocation depends on borrower demand, platform capacity and applicable marketplace terms.

Auto Deploy on: eligible available funds may be allocated automatically when suitable borrower loans and platform capacity are available.

Auto Deploy off: available funds remain idle until you choose to allocate them or turn Auto Deploy back on.

Changing the setting does not recall active loan capital. Idle funds do not earn a return, and neither mode guarantees deployment, borrower repayment, liquidity or returns.

No. Brolly does not guarantee that your funds will be continuously or fully deployed. Because our platform relies on real-time borrower demand and our strict capital matching criteria, your funds may remain idle in your wallet if there are no suitable borrowers available at any given time. Disclaimer: Deployment of capital is strictly dependent on real-time market conditions and borrower demand. Brolly does not guarantee that your funds will be matched or generate returns.

No. You cannot manually select individual borrowers. Brolly uses automated matching to allocate available capital among borrower applications that have passed Brolly’s credit assessment and eligibility process, subject to platform criteria and real-time demand. Brolly may also fund eligible loans itself.

Allocation does not guarantee borrower repayment or returns.

No. If Auto Deploy remains on, eligible available capital may be allocated to new loans after borrower repayments are received. Turning it off leaves available funds idle.

The underlying borrower loans are typically 30 days. Actual lender liquidity depends on borrower repayments, loan status, available platform liquidity and the applicable marketplace terms.

Continuous reinvestment, deployment and returns are not guaranteed.

The underlying borrower loans are typically 30 days. Borrowers may repay early, on schedule, late or not at all. A scheduled 30-day term does not guarantee that lender capital will be available after 30 days.

Borrower loans typically have a 30-day scheduled term. Monoova provides automated NPP and PayTo payment infrastructure for disbursements and scheduled repayments. Repayment remains subject to borrower payment performance and available funds. Missed repayments may move into Brolly’s collections process.

Borrowers pay a flat 5% service fee rather than traditional interest. When marketplace capital is matched to an eligible borrower loan, a portion of the applicable fee may be allocated to the lender under the marketplace terms.

The marketplace target return is 12% p.a. Actual returns depend on capital deployment, borrower repayment, timing, arrears and the applicable marketplace terms. Returns are not guaranteed.

No, Brolly does not pool your money into a common fund. We use a proprietary algorithm that creates a direct capital match between you (a single lender) and a single borrower. Disclaimer: Your capital is not pooled, meaning your specific return is tied directly to the performance of your individually matched borrowers.

Brolly acts as an intermediary, using a proprietary algorithm to facilitate matching between lender capital and eligible borrower loans.

No. Even if your funds are diversified across multiple loans, each individual loan is funded by only one lender.

Underlying borrower loans are typically scheduled for 30 calendar days. Borrowers may repay early, on schedule, late or not at all. Missed repayments are handled under Brolly’s applicable servicing and collections process.

No, the platform is strictly built to prevent this. Every loan is a single-cycle, non-compounding contract. Through our real-time affordability checks, each borrower is pre-approved for a safe, predetermined borrowing limit. Borrowers must fully repay any outstanding loans before they are permitted to reapply or access funds beyond that limit. This structure completely eliminates the risk of rollovers, credit stacking, or escalating debt spirals.

You earn a return only on capital that is actually deployed into eligible borrower loans. Money sitting idle in your wallet does not generate a return.

The marketplace target return is 12% p.a., but actual returns depend on deployment, borrower repayment, timing, arrears and applicable marketplace terms.

Utilisation is the portion of your wallet balance currently deployed in active loans. It changes with borrower demand, platform capacity and repayment timing. Auto Deploy does not guarantee immediate or complete deployment. Returns are not guaranteed.

Your actual return can vary from our target rates for a few key reasons: Repayment Timing: Your annualised return is highly dependent on exactly when a borrower repays. Early repayments allow you to redeploy capital faster, while late repayments tie up your capital and slow down your effective annualised return. Idle Funds: You only earn the upfront fee on capital that is actually disbursed into a loan. Any money sitting un-deployed in your Brolly Wallet does not earn a return. Variable Fees: Target rates can vary depending on the specific fees attached to your matched loans, and returns are never guaranteed. Because your funds are matched directly to individual borrowers who will naturally repay at different speeds, looking at your blended results across all of your active and completed loans (your "portfolio view") will always give you the most accurate picture of your true earnings. Disclaimer: Target rates are strictly illustrative. Actual returns are variable, dependent on individual borrower behavior and platform utilisation, and are not guaranteed. Past performance is not indicative of future results.

Illustrative simple target-return example
A$10,000 × 12% = A$1,200 per year.

This illustrates the 12% p.a. target on a simple annual basis only. It is not a forecast or guarantee.

Actual returns may vary based on capital deployment, borrower repayment, timing, arrears, fee terms and how long capital remains idle. Returns are not guaranteed and capital is at risk.

Where a marketplace fee is credited upfront, withdrawing it reduces the capital available for redeployment. Redeployment remains subject to suitable borrower demand and platform capacity.

Any earnings are credited according to the applicable marketplace terms. Principal becomes available after borrower repayment is received and processed. Repayment may be early, on schedule, late or not at all.

A 30-day scheduled loan term does not guarantee 30-day lender liquidity. Returns and principal are not guaranteed, and capital is at risk.

Brolly may allocate available capital across multiple eligible borrower loans over time, depending on your wallet balance, borrower demand and platform capacity. Diversification may reduce the impact of a single loan but does not guarantee deployment, repayment or returns.

The marketplace target return is 12% p.a. Actual returns may vary based on capital deployment, borrower repayment, timing, arrears, fee terms and how long capital remains idle.

Returns are not guaranteed, past performance is not indicative of future results, and capital is at risk.

Yes. Brolly may spread your capital across multiple borrowers, depending on your wallet balance and current platform activity. The more funds you deploy, the more naturally diversified your portfolio becomes across individual loans. Diversification helps manage risk but does not eliminate it.

Idle funds may be requested for withdrawal, subject to platform terms, account checks, payment processing and available funds. Capital committed to an active loan is not available for withdrawal until the relevant borrower repayment is received and the loan status permits it.

The underlying borrower loans are typically 30 days. Actual lender liquidity depends on borrower repayments, loan status, available platform liquidity and the applicable marketplace terms.

Any earnings are credited according to the applicable marketplace terms. Principal becomes available after borrower repayment is received and processed. Repayment may be early, on schedule, late or not at all.

A scheduled loan term does not guarantee lender liquidity. Returns and principal are not guaranteed, and capital is at risk.

Monoova provides automated NPP and PayTo payment infrastructure for disbursements and scheduled repayments. Repayment remains subject to borrower payment performance and available funds.

Top-ups and available-wallet withdrawal requests use the relevant payment rails, but timing depends on account checks, payment-system availability and applicable platform terms.

No. Capital committed to an active loan remains unavailable for withdrawal until borrower repayment is received and the loan status permits release. The underlying borrower loans are typically 30 days, but repayment may be early, on schedule, late or not at all.

Idle funds may be requested for withdrawal subject to applicable platform terms, account checks and payment processing.

Yes. The app shows every loan in your portfolio, including status, repayment progress, days remaining and earnings credited.

A$10,000 is Brolly’s minimum initial lender allocation; it does not by itself establish wholesale, sophisticated or professional investor eligibility.

Higher allocations remain subject to Brolly approval, investor eligibility, platform capacity and applicable compliance requirements.

If a borrower misses their repayment, automated reminders trigger immediately. If the loan remains unpaid, recovery escalates through Brolly's collections process and then to InDebted, a specialist digital collections platform.

Recovery action does not guarantee full repayment.

Late (1 to 89 days past due): Borrower has missed the 30-day repayment date. Automated reminders and recovery efforts are underway. Capital is delayed but recovery is active.

In default (90+ days past due): Loan is formally classified as a default. External recovery via InDebted continues. Brolly may attempt to reimburse principal from the Assurance Account, subject to available reserves.

Recovery is not guaranteed.

Before due date: Automated SMS, email and in-app reminders. Day 0 to 14: Account flagged. Automated reminders continue. Day 14 to 59: Internal collections escalation. Platform perks suspended. Day 60: InDebted activated for AI-driven recovery. Day 90: Loan formally classified as default. External recovery continues. Account may be referred for legal action as a last resort.

Timeline is a general guide. Actual steps and timing may vary.

No. Lender principal and returns are not guaranteed.

The Assurance Account is a separate discretionary support mechanism governed by its own terms and conditions. It is not insurance and does not guarantee lender principal or returns. Availability and coverage may be limited.

Capital is at risk.

No. The Assurance Account is a separate discretionary support mechanism governed by its own terms and conditions. It is not insurance and does not guarantee lender principal or returns. Availability and coverage may be limited.

Any support is discretionary and cannot be relied on as a guaranteed source of repayment.

If discretionary support is unavailable or insufficient, Brolly may continue its internal and external collections process for the outstanding borrower amount.

The Assurance Account does not guarantee principal or returns, and recovery is not guaranteed.

The two structural risks every lender should understand:

Borrower risk. You are lending directly to a specific individual. If your matched borrower defaults, your capital is directly impacted.

Assurance Account limits. The Assurance Account is a discretionary reserve, not insurance. It cannot be relied on as a guaranteed safety net.

Additional general risks include: late repayment delaying your principal, returns lower than the 12% p.a. target, and platform or regulatory changes that affect operations.

Capital is at risk.

Wallet balances sit in segregated client funds through Monoova (an AFSL-licensed payment provider), separate from Brolly's corporate accounts.

Active loans remain legally enforceable obligations between borrower and lender. Recovery continues under the existing servicing arrangements.

Liquidity and recovery timing in a platform disruption scenario cannot be guaranteed.

Basiq provides real-time access to borrower bank transaction data through Open Banking. This allows Brolly to assess actual income and cash flow at the moment of application, rather than relying on credit scores that may be months old.

To learn more about Basiq: basiq.io

Open Banking (called the Consumer Data Right in Australia) lets users securely share bank transaction data with accredited providers, only with their explicit consent. Brolly accesses this data through Basiq to assess borrower affordability in real time, not from stale credit reports.

Through live Open Banking data via Basiq. The platform reviews actual income, spending patterns and existing credit obligations against the requested loan amount. Affordability is assessed at the point of application, not based on historical credit scores.

FrankieOne handles identity verification, KYC, AML and CTF screening, sanctions checks and fraud detection on every borrower before they can submit an application.

To learn more about FrankieOne: frankieone.com

Every borrower clears identity verification, biometric checks, AML and CTF screening, PEP and sanctions screening, fraud detection and Open Banking affordability assessment before any capital is exposed. Around 30% of completed applications are declined.

Monoova provides automated NPP and PayTo payment infrastructure for disbursements and scheduled repayments. Repayment remains subject to borrower payment performance and available funds.

Monoova also supports PayID top-ups and segregated wallet payment infrastructure. To learn more about Monoova: monoova.com

Scheduled repayments use Monoova’s NPP and PayTo payment infrastructure. A scheduled payment instruction does not guarantee collection: repayment remains subject to borrower payment performance and available funds.

Minimal. Credit decisioning, identity verification, affordability checks, disbursement, repayment and recovery run automatically across the partner stack (Basiq, FrankieOne, Monoova, InDebted) and Brolly's proprietary risk engine.

Yes. Brolly handles personal and financial data under Australian privacy law (Privacy Act 1988), the Notifiable Data Breach scheme, and the Consumer Data Right (CDR) regime. Only the data needed to assess applications, verify identity and process payments is collected. Data is shared only with accredited providers (Basiq, FrankieOne, Monoova) under strict data-sharing agreements.

Monoova is an AFSL-licensed payment provider regulated by ASIC. Lender funds are held in segregated client trust accounts, separate from Brolly's corporate accounts. Funds are protected by bank-grade encryption, real-time reconciliation and regulatory oversight.

To learn more about Monoova: monoova.com

Identity verification, KYC, AML and CTF screening, sanctions checks, biometric verification and fraud detection are handled by FrankieOne on every borrower and lender. Data is processed only for verification and compliance purposes under Australian privacy law.

To learn more about FrankieOne: frankieone.com

Yes. Open Banking access is regulated under the Consumer Data Right (CDR) regime. Bank data is shared only with accredited providers (Basiq) and only with your explicit consent. Consent can be revoked at any time. Brolly accesses bank data as a CDR Representative via Basiq.

To learn more about Basiq: basiq.io

Before wholesale marketplace lender access is activated, Brolly may require:

• Evidence confirming wholesale, sophisticated or professional investor eligibility
• Identity verification and KYC checks
• AML and CTF screening, monitoring and due diligence
• Third-party identity verification and compliance support

Eligibility evidence and a platform minimum allocation are separate requirements. Inaccurate or fraudulent information may result in access being declined, account restrictions or termination, and reportable matters may be referred to the relevant authorities.

Yes. Wholesale marketplace lender access is approval-based. Brolly may decline an application or restrict or close an account where investor eligibility cannot be verified, regulatory obligations apply or platform conditions require it.

No. Brolly is not a bank. Funds in your Brolly wallet are not deposits with or loans to Brolly, and are not covered by the Australian Government Financial Claims Scheme.

Brolly operates under the short-term low-cost credit exemption (s6(1) NCC), is enrolled with AUSTRAC as a reporting entity, and accesses Open Banking data as a CDR Representative via Basiq (an Accredited Data Recipient).