Nimble
Nimble (Nimble Australia Pty Ltd) is an Australian online consumer lender offering small loans ($500–$2,000), personal loans ($2,050–$5,000), and a revolving line of credit via Virtual Mastercard to retail borrowers nationwide, with 100% digital applications and 60-minute funding during business hours.
- Company typePrivate
- Founded2005
- HeadquartersSouthport, Australia
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Nimble does
Nimble (legal entity: Nimble Australia Pty Ltd, ABN 91 135 501 807) is an Australian online consumer lender founded in 2005, headquartered in Southport, Australia, operating under Australian Credit Licence 386010. The company provides a portfolio of short- and medium-term personal loans to Australian consumers through a 100% digital application process, targeting borrowers who need fast access to funds for unexpected expenses, emergencies, or larger planned purchases. Its three core products are Small Loans ($500–$2,000 over 13–39 weeks, fee-based with a 20% establishment fee plus 4% monthly fee), Personal Loans ($2,050–$5,000 up to 15 months at 47.6158% APR with a $400 establishment fee), and Nimble AnyTime, a revolving line of credit ($1,000–$3,000) delivered through a Virtual Mastercard. The platform combines an online application portal (apply.nimble.com.au), a customer portal (portal.nimble.com.au), secure bank feed integration for digital document submission, and automated credit decisioning to enable funds transfer within 60 minutes during business hours.
Nimble serves a broad mass-market consumer segment including emergency/small-loan borrowers, working pensioners, individuals with less-than-perfect credit seeking second-chance lending, and revolving-credit users. Its customer base is described as "thousands" of Australians, distributed nationally with city-specific landing pages across Sydney, Melbourne, Brisbane, Perth, and Adelaide. The product catalog is expanded with use-case-specific variants (weekend, payday, short term, same-day, pensioner, home renovation, holiday, wedding, medical, funeral, car repair, vet, bad credit, pay advance, cash, and state-specific rental bond loans) to capture long-tail SEO demand. Distribution is entirely digital, with no physical branches; channels include the main website, dedicated application portals, mobile app, phone support, and a substantial social media and content marketing footprint across Twitter/X, YouTube, Instagram, Facebook, LinkedIn, and TikTok.
The business model is direct-to-consumer consumer lending with high-yield fee-and-interest-based revenue, supported by repeat-borrower economics (returning customers may borrow up to $10,000). Nimble monetizes through lending interest, establishment fees, and recurring monthly fees, with no subscription or platform model. Headcount stands at 51–100 employees, and the company has raised disclosed funding totaling approximately $38.3M across three rounds (2013, 2014, 2016), most recently a $20M facility from Partners for Growth. Nimble acquired ZeeFi in March 2023 and partners with Mastercard for virtual card issuance and with Trustpilot for review display. Ownership and management are private, with CEO Grant Mackenzie, Founder/Co-founder Sean Teahan, Chairman Les Webb, and COO Peter Stephenson identified.
Nimble firmographics
Firmographics- Name
- Nimble
- Legal name
- Nimble Australia Pty Ltd
- Website
- https://nimble.com.au
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Nimble (Nimble Australia Pty Ltd) is an Australian online consumer lender offering small loans ($500–$2,000), personal loans ($2,050–$5,000), and a revolving line of credit via Virtual Mastercard to retail borrowers nationwide, with 100% digital applications and 60-minute funding during business hours.
- Ownership category
- akta.pro rank
Nimble industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Other Nondepository Credit Intermediation (52229)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Cash Advance (Online & Storefront) (FSAKAMAC)
- akta.pro secondary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Nimble is headquartered
LocationHeadquarters
- HQ city
- Southport
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Nimble business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Small Loans ($500-$2,000): Fee-based short-term loans with 13-39 week terms. Establishment fee of 20% of amount borrowed plus monthly fee of 4% of amount borrowed. No APR as these are fee-based only loans.
- Personal Loans ($2,050-$5,000): Unsecured personal loans with APR of 47.6158% and comparison rate of 65.6597% p.a. Includes $400 establishment fee for this tier. Loan terms up to 15 months.
- Nimble AnyTime Line of Credit: Revolving line of credit from $1,000 to $3,000 with continuous access to funds. Monthly repayments with flexible scheduling. First cash advance must equal credit limit; subsequent advances minimum $200.
- Larger Loans (up to $10,000): For returning customers who have previously borrowed and repaid one or more loans in full, eligibility to apply for up to $10,000 in Member Area. APR of 47.6158% with no establishment fee for $5,050-$10,000 range.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Small Loans: $500-$2,000, 13-39 weeks |
| Unit Pricing | Monthly | Personal Loans: $2,050-$5,000, up to 15 months |
| Unit Pricing | Monthly | Larger Loans: $5,050-$10,000 |
| Usage-based | Monthly | AnyTime Line of Credit: $1,000-$3,000 |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
Nimble product offering
Product offeringCore offering
Nimble is an Australian online consumer lender offering Small Loans ($500–$2,000 over 13–39 weeks, fee-based), Personal Loans ($2,050–$5,000 over up to 15 months at 47.6158% APR), and a revolving line of credit called Nimble AnyTime ($1,000–$3,000 with a Virtual Mastercard). All products are applied for 100% online via nimble.com.au or apply.nimble.com.au, with funds typically transferred within 60 minutes between 9:00 am and 4:30 pm AEST on business days, weekends, and public holidays.
Product overview
Nimble is an Australian online lender offering a portfolio of short-term and medium-term personal loans. The core products are Small Loans ($500-$2,000, 13-39 weeks, fee-based) and Personal Loans ($2,050-$5,000, up to 15 months). The company also provides Nimble AnyTime, a revolving line of credit ($1,000-$3,000, up to 12 months) with an associated Virtual Mastercard. The product lineup includes specialized variants such as Weekend Loans, Emergency Loans, Payday Loans, Short Term Loans, Same Day Loans, Pensioner Small Loans, Home Renovation Loans, Holiday Loans, Wedding Loans, Medical Loans, Funeral Loans, Car Repair Loans, Vet Loans, Bad Credit Loans, Pay Advance Loans, Cash Loans, and Rental Bond Loans (VIC/QLD/NSW). Loans are delivered through 100% online applications with funds typically transferred within 60 minutes during business hours. Nimble Australia Pty Ltd operates under ABN 91 135 501 807 and Australian Credit Licence 386010.
Differentiator
Problem solved
Functional benefit
Brands
- Nimble AnyTime: Revolving line of credit product offering borrowings between $1,000 and $3,000 with flexible repayment options over up to 12 months.
Companies that use Nimble
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
Nimble technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Nimble partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- MastercardcoreMastercard partnership enables the Nimble AnyTime Virtual Mastercard, which is a key product for the revolving line of credit offering. This allows Nimble to deliver credit access through the Mastercard payment network, giving cardholders widespread acceptance for purchases and cash advances.
- TrustpilotminorTrustpilot integration allows display of customer reviews on nimble.com.au, building trust and credibility with potential customers through third-party verified review platform.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Nimble competitors and assessment
Company assessmentDirect peers
- Cash Converters: ASX-listed Australian lender and second-hand retailer offering small cash loans and personal loans to similar consumer segments. Closest direct competitor given overlapping short-term, small-amount credit products and physical-plus-digital distribution.
- MoneyMe: ASX-listed Australian digital lender offering personal loans, car loans, and revolving credit products online. Highly comparable in product mix, target customer (prime and near-prime), and digital-first distribution model.
- Beforepay: ASX-listed Australian earned-wage-access and cash-advance provider targeting salaried workers facing short-term cash-flow gaps. Overlaps directly with Nimble's emergency/small-loan use cases but with a different funding structure.
- Fair Go Finance: Australian online personal loan specialist targeting borrowers with imperfect credit histories, with loan sizes up to $10,000. Closely mirrors Nimble's personal-loan tier and customer-segment focus on non-prime borrowers.
- Plenti: ASX-listed Australian consumer lender offering personal, car, and renewable-energy loans via a digital marketplace model. Comparable in product breadth and online consumer lending focus, though with broader loan-size range.
- Symple Loans: Australian online personal loan provider offering loans up to $50,000 with quick-decision digital underwriting. Comparable in digital-first consumer lending focus and Australian-only distribution.
Broad incumbents
- Latitude Financial: Large Australian non-bank consumer finance provider offering personal loans, credit cards, and BNPL. Overlaps with Nimble's personal-loan tier but operates at significantly greater scale and with a more diversified product portfolio.
- Afterpay (Block): Major BNPL provider (now part of Block) serving Australian consumers with interest-free instalment payments. Adjacent competitor for small-ticket, short-duration consumer credit, particularly for emergency and lifestyle purchases.
- Zip Co: ASX-listed BNPL and consumer credit provider offering instalment products to Australian consumers and merchants. Competes for the same discretionary and emergency-spend occasions as Nimble's small and personal loans.
Emerging players
- Openpay: ASX-listed BNPL provider focused on longer-duration, higher-ticket instalment plans in healthcare, automotive, and home improvement. Partial overlap with Nimble's use-case categories (medical, car repair, renovation).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Nimble social profiles
Digital presenceNimble financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nimble leadership team
Management profileNumber of profiles
Profiles4 records
Nimble funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nimble M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nimble
What does Nimble do?
Nimble is an Australian online consumer lender offering Small Loans ($500–$2,000 over 13–39 weeks, fee-based), Personal Loans ($2,050–$5,000 over up to 15 months at 47.6158% APR), and a revolving line of credit called Nimble AnyTime ($1,000–$3,000 with a Virtual Mastercard). All products are applied for 100% online via nimble.com.au or apply.nimble.com.au, with funds typically transferred within 60 minutes between 9:00 am and 4:30 pm AEST on business days, weekends, and public holidays.
Is Nimble a public or private company?
Nimble is a private company. It is classified as venture growth investor backed and is currently operating.
When was Nimble founded?
Nimble was founded in 2005. It employs 51 to 100 people.
Where is Nimble based?
Nimble is headquartered in Southport, Australia, in the Oceania region.
How does Nimble make money?
Four revenue lines are on record. Small Loans ($500-$2,000) is the primary driver. The others are personal Loans ($2,050-$5,000), nimble AnyTime Line of Credit and larger Loans (up to $10,000).
Who are Nimble's main competitors?
Direct peers on record are Cash Converters, MoneyMe, Beforepay, Fair Go Finance, Plenti and Symple Loans. Broad incumbents are Latitude Financial, Afterpay (Block) and Zip Co. Openpay is listed as an emerging player.
Does Nimble have an API?
No public API is recorded for Nimble.
What industry is Nimble in?
Nimble's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAMAC, Cash Advance (Online & Storefront), with a secondary code of FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 52229 and its SIC code is 6141.