Borrower demand is real
People still need short-term liquidity for real-life gaps. Brolly focuses on clear set amounts, short cycles and repayment before re-use, instead of vague credit lines or rollover-style debt traps.
Investors
Building the operating layer for clearer short-term credit.
Brolly is an Australian fintech building a matched-lending platform for short-term credit: verified borrowers, verified lender funds, structured repayments, clear wallet states and the operating rails needed to scale the model responsibly.
The product today is a simple borrower-and-lender loop. The next phase is the operating layer around it: AI/ML-supported review workflows, internal agents, servicing automation, lender reporting and cleaner records across the full credit lifecycle.
Brolly’s investor materials, including the Information Memorandum, financial forecasts and diligence materials, are available through a gated data-room process for approved parties.
Investor materials are provided by request only. Nothing on this page is an offer, recommendation, financial product advice, credit advice or invitation to invest.
Overview
Brolly turns a simple lending loop into scalable credit infrastructure.
Short-term credit is still a real need. Borrowers want speed and clarity. Lenders want visibility and control. Operators need risk, payments, servicing and compliance to work as one system, not as a spreadsheet afterthought.
Brolly brings those pieces into one product flow. For borrowers, the app is designed to show a clear amount, fee, due date and repayment setup before a loan is accepted. For lenders, the product is designed around 1:1 matched lending, visible wallet states and clear risk language before capital is deployed.
The first wedge is short-term matched lending. The next phase is the infrastructure layer: AI/ML-supported assessment, internal agent workflows, servicing automation and capital operations that make the model more scalable, reviewable and consistent.
The app is the wedge. The operating layer is where Brolly is heading.Why Brolly
A large problem hiding in small-dollar credit.
Small-dollar credit is often treated as too operationally messy to scale cleanly. Brolly’s view is different: the mess is the opportunity if the operating system is built properly.
Lender capital needs visibility
Lenders should understand whether funds are available, on hold, active in loans, returned or earned. Brolly’s lender experience is designed around visible money states and direct lending exposure, not bank-style language.
Risk needs structure
Brolly uses identity, consented bank-data signals, affordability inputs, product rules, repayment setup and recovery workflows to structure risk. That does not remove risk. It makes risk more visible and operationally manageable.
Operations are the moat
Short-term lending is not only origination. It is onboarding, checks, matching, payments, ledgers, support, arrears handling, collections, reporting and compliance records.
AI/ML and agents are the next phase
Brolly is building toward AI/ML-supported credit operations and internal agents that can package signals, route exceptions, explain decisions, support servicing workflows and improve operational consistency. Borrower-impacting outcomes remain tied to deterministic rules, policy controls and human oversight where required.
Model
Verified borrowers. Verified lender capital. One clearer loop.
Brolly’s public product is built around a simple loop: check the borrower, match capital, move money through platform rails, track repayment, then close or recover the cycle.
Borrowers
Eligible borrowers can access set short-term loan amounts up to A$2,000. The amount shown depends on identity checks, bank-data signals, affordability, risk rules, product availability and lender matching.
Lenders
Lenders can make funds available through Brolly and participate in short-term matched lending. Returns are variable and not guaranteed. Deployed capital is exposed to borrower repayment risk and can be delayed or lost.
Matching
Brolly’s public lender model is 1:1 matched lending. Capital is matched through the platform flow, not through off-platform user-to-user bank transfers and not as a guaranteed-return product.
Payments
Money movement is mediated through Brolly’s platform and payment partners, including PayTo, NPP and Monoova-supported flows where applicable.
Data and risk
Brolly uses identity verification, fraud and risk checks, consented bank-data signals, affordability indicators and repayment behaviour to support product eligibility and risk controls. The AI/ML layer is intended to improve signal packaging, review quality and operational consistency, not to replace controlled credit policy.
Servicing and recovery
A loan does not end at funding. Brolly’s operating workflows cover repayment reminders, failed payments, overdue status, support paths, recovery workflows and the records needed to manage the lifecycle.
Milestones
Built from product into infrastructure.
Brolly has moved from company formation into product build, internal testing, public release and open beta. The current focus is strengthening the lending loop, risk controls, servicing workflows, capital pathway and the next AI/ML-and-agent operating layer.
November 2023
Brolly founded
The company began with a mission to build clearer short-term lending for Australian borrowers and lenders.
January 2024
Early development team formed
The first build phase focused on mobile app, backend services, onboarding, lending, borrowing and payment flows.
October 2024
Internal MVP testing
Brolly reached a working MVP stage for internal testing and product refinement.
June 2025
Public iOS alpha path
Brolly moved into public App Store release infrastructure and early public product testing.
January 2026
Open beta
Brolly opened the product further through open beta, broader feedback and product improvement.
Current build phase
AI/ML and agent-assisted operations
Brolly is now working on the next operating layer: AI/ML-supported risk workflows, internal agents, servicing support, decision explanations and capital reporting that can help the platform scale with stronger controls.
Leadership
Built by operators, product builders and engineers.
Brolly is led by a compact team across product, technology, operations, risk, growth and platform architecture.
Ben Tavai Founder & CEO
Company vision, fair-credit mission, borrower and lender proposition, and commercial direction.
Nadun Perera Founder & CTO
Technology strategy, product architecture, engineering execution, platform integrations and secure release discipline.
Conrad Devitt Director & GM
Operations, onboarding, servicing, lender relations and vendor coordination across the product loop.
Michael Hosking COO
Operating rhythm, customer experience, process design and compliance-aware scaling.
Drew Camilleri Head of Customer Service
Customer support, borrower and lender enquiries, service recovery, customer feedback and support workflows.
Malindu Sasanga Head of Software Engineering
Engineering leadership across product delivery, platform quality, integrations, testing and release execution.
Dineth Goonetilleke Solutions Architect
Solutions architecture across backend services, APIs, integrations, data flows, testing, reliability and production-ready delivery.
Gavindu Ratnayake Software Engineering
Software engineering across product features, integrations, testing, release support and platform reliability.
Sonny Sethi Marketing
Consumer growth, acquisition, retention, brand and go-to-market strategy.
Small team. Real product. Serious rails. Now building the AI/ML operating layer behind the loop.
Data room
Request access to the investor data room.
Approved investors can request access to Brolly’s gated data room for detailed materials, diligence documents and financial information.
The data room may include Brolly’s Information Memorandum, financial forecasts, company overview, product and risk materials, AI/ML and agent roadmap, diligence Q&A and relevant legal, compliance and commercial context.
If you are interested in reviewing Brolly as an investor, capital partner or strategic partner, request access and the team will follow up.
Access may require identity, investor-status, entity, confidentiality and suitability checks. Brolly may approve, refuse or limit access at its discretion.
This page is general information only. It is not an offer, invitation, recommendation, financial product advice, credit advice or solicitation to acquire securities or other financial products. Detailed materials are provided only through Brolly's approved data-room process.