Moula
Moula is an Australian fintech, founded in 2013, that provides unsecured business loans of $10,000–$500,000 to SMEs. It uses AI and machine learning on linked banking and accounting data to deliver 24-hour credit decisions, having disbursed over $500M cumulatively.
- Company typePrivate
- Founded2013
- HeadquartersMelbourne, Australia
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Moula does
Moula is an Australian fintech founded in 2013 that provides unsecured business loans of $10,000 to $500,000 to small and medium enterprises (SMEs). The company targets Australian businesses with at least 12 months of operating history and $10,000+ in monthly sales, positioning against traditional banks that reject an estimated 74% of small business loan applications. Its core product is a paperless online business loan application completed in 7 minutes, with credit decisions delivered within 24 hours and funds typically transferred within the same window. Cumulative lending volume exceeds $500 million to tens of thousands of Australian businesses.
The underlying platform uses AI and machine learning to assess creditworthiness by analyzing real-time business transaction data sourced from linked cloud accounting platforms (Xero, MYOB) and direct business banking integrations, supplemented by credit bureau checks against Equifax and Experian. Loan repayment collection is handled through Ezidebit direct debit, and the company adheres to the AFIA Code of Lending Practice and NIST 800-53 cybersecurity controls. Moula operates exclusively as a direct-to-business digital lender with no physical branches or broker intermediaries in the primary flow, supported by phone (1300 88 09 72) and live chat during AEST business hours.
Moula's revenue model is primarily interest income on its loan book (15.99%–35.99% APR, fixed-rate, fortnightly repayments over terms up to 5 years), supplemented by a 2% upfront establishment fee on origination. Customer acquisition is driven by content marketing (Moula Good Business blog), Trustpilot-driven social proof (4.3/5 across 1,783 reviews), organic social, and a Partner/Referral Program that includes an Officeworks partnership. The company is structured as Moula Money Pty Ltd with Moula Funding Pty Ltd as a wholly-owned operating subsidiary, headquartered in Melbourne.
Moula firmographics
Firmographics- Name
- Moula
- Legal name
- Moula Money Pty Ltd
- Website
- https://moula.com.au
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Moula is an Australian fintech, founded in 2013, that provides unsecured business loans of $10,000–$500,000 to SMEs. It uses AI and machine learning on linked banking and accounting data to deliver 24-hour credit decisions, having disbursed over $500M cumulatively.
- Ownership category
- akta.pro rank
Moula industry classification
Industry- Product category
- SME Business Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
- akta.pro secondary industries
- SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL), SME Loan Servicing & Collections (FSAKAGAK), Small Business Debt Consolidation & Refinance (Owner/SME) (FSAKAIAI)
Keywords
Where Moula is headquartered
LocationHeadquarters
- HQ city
- Melbourne
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Moula business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Business Loan Interest: Moula earns interest income on business loans extended to SME customers. Interest rates range from 15.99% to 35.99% APR, calculated based on business risk profile and performance. This is the primary revenue stream.
- Establishment Fee: Moula charges a 2% establishment (upfront) fee on loan origination. No transaction fees are charged. This is a one-time fee collected at loan inception.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Business loans from $10,000 to $500,000 |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Moula product offering
Product offeringCore offering
Moula is an Australian online lender that provides unsecured business loans of $10,000 to $500,000 to small and medium enterprises, with up to 5-year terms, fixed interest rates from 15.99% to 35.99% APR, a 2% establishment fee, and fortnightly repayments. Applicants complete a paperless 7-minute online application by linking their business banking or cloud accounting data, after which Moula's AI/ML platform delivers a credit decision within 24 hours and funds are typically transferred within 24 hours of approval.
Product overview
Moula is an Australian fintech company offering a unified business lending platform centered on unsecured business loans. The core product is the Business Loan (up to $500,000) which uses AI and data analytics to deliver 24-hour credit decisions. The platform includes a Business Loan Calculator for transparent pricing and a Partner Program for broker referrals. All products are integrated with cloud accounting systems (Xero, MYOB) for automated financial assessment, and funds are typically transferred within 24 hours of approval.
Differentiator
Problem solved
Functional benefit
Products and services
- Unsecured Business Loan
Quantifiable outcome
- 99% of customers rated Moula 'Great' or 'Excellent' based on 1,783 Trustpilot reviews
- +3 more outcomes
Companies that use Moula
Customer profileNamed customers10 records
Segments2 records
Ideal customer profiles3 records
Moula technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature3 records
Moula partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- OfficeworksminorMoula partnered with Officeworks to provide small businesses with access to capital when they need it. Matthew Bax discovered Moula while browsing the Officeworks website. This partnership allows Officeworks customers easy access to business financing options for purchasing equipment and supplies.
- XerocoreMoula integrates with Xero cloud accounting platform, allowing businesses to link their Xero data for real-time assessment of loan applications. This data integration is a core part of Moula's technology-enabled credit assessment process.
- Australian Finance Industry Association (AFIA)coreMoula is a Code Compliant Member of the AFIA Online Small Business Lenders Group, bound by the terms of the Code of Lending Practice. Subject to oversight by AFIA's Code Compliance Committee (CCC). Moula's business loans are proudly AFIA code compliant.
- EquifaxcoreMoula exchanges credit information with Equifax as a credit reporting body. Equifax is one of the credit reporting bodies Moula works with for credit assessment and reporting.
- ExperiancoreMoula exchanges credit information with Experian as a credit reporting body. Experian is one of the credit reporting bodies Moula works with for credit assessment and reporting.
Scale indicators4 records
Recent moves7 records
Expansion highlights6 records
Moula competitors and assessment
Company assessmentDirect peers
- Funding Circle: Global online marketplace lender to small businesses, operating across the UK, US, and other markets. Comparable in operating model (data-driven SME lending) though currently not active in Australia.
- Lumi: Australian fintech providing fast working capital loans and lines of credit to small businesses, using online application and alternative data for assessment. Closely mirrors Moula's product range, speed, and target SME segment.
- OnDeck Capital: Originally US-based online SME lender (now part of Enova), with Australian operations historically. Pioneer of the data-driven online small business lending model that Moula follows.
- Prospa: Australia's largest online small business lender, offering unsecured loans and lines of credit to SMEs via a digital application process. Most directly comparable to Moula in product, customer segment, geography, and GTM motion.
- Bizcap: Australian online lender providing unsecured business loans from $5K to $1.5M to SMEs with fast turnaround. Direct competitor with similar product positioning and target customer as Moula.
- Spotcap: Online SME lending platform offering flexible working capital loans to Australian small businesses. Closely comparable in product mechanics, ticket size, and data-driven underwriting approach.
- Capify: Australian SME working capital lender offering short-term business loans and merchant cash advances. Competes directly with Moula in the unsecured SMB working-capital niche.
Broad incumbents
- Judo Bank: Australian challenger bank focused on SME lending, providing secured and unsecured business loans. Larger and broader in scope than Moula but a key incumbent in the same target segment.
- Tyro Payments: Australian SMB-focused fintech providing EFTPOS, banking, and lending products to small businesses. Adjacent competitor with broader service portfolio but overlapping customer base with Moula.
Regional players
- iwoca: UK-based online lender providing flexible short-term finance to SMEs using data-driven underwriting. Comparable in product, ticket size, and AI-led risk assessment, though operating in a different geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Moula social profiles
Digital presenceMoula compliance and trust
Trust signalCompliance2 records
Moula financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moula leadership team
Management profileNumber of profiles
Profiles10 records
Moula subsidiaries and ownership
Company hierarchySubsidiaries1 record
Moula funding detail
Funding detailFunding overview
Funding rounds3 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moula M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moula
What does Moula do?
Moula is an Australian online lender that provides unsecured business loans of $10,000 to $500,000 to small and medium enterprises, with up to 5-year terms, fixed interest rates from 15.99% to 35.99% APR, a 2% establishment fee, and fortnightly repayments. Applicants complete a paperless 7-minute online application by linking their business banking or cloud accounting data, after which Moula's AI/ML platform delivers a credit decision within 24 hours and funds are typically transferred within 24 hours of approval.
Is Moula a public or private company?
Moula is a private company. It is classified as venture growth investor backed and is currently operating.
When was Moula founded?
Moula was founded in 2013. It employs 101 to 250 people.
Where is Moula based?
Moula is headquartered in Melbourne, Australia, in the Oceania region.
How does Moula make money?
Two revenue lines are on record. Business Loan Interest is the primary driver. The others are establishment Fee.
Who are Moula's main competitors?
Direct peers on record are Funding Circle, Lumi, OnDeck Capital, Prospa, Bizcap, Spotcap and Capify. Broad incumbents are Judo Bank and Tyro Payments. iwoca is listed as a regional player.
Does Moula have an API?
No public API is recorded for Moula.
What industry is Moula in?
Moula's product category is SME Business Lending. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit, with a secondary code of FSAKAGAL, SME Credit Underwriting, Scoring & Risk Analytics. Its NAICS code is 5222 and its SIC code is 6153.