Dynamoney
Dynamoney is an Australian non-bank business finance lender providing asset finance, equipment finance, business loans, and insurance premium funding to small and medium enterprises, distributed through a 3,000+ broker network and direct online channels nationwide.
- Company typePrivate
- Founded2015
- HeadquartersSydney, Australia
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Dynamoney does
Dynamoney is an Australian non-bank business finance lender founded in 2015 (formerly operating as Grow Finance) and headquartered in Sydney, with additional offices in Melbourne and Brisbane covering all Australian states and territories. The company provides asset finance (vehicle and equipment), business loans (overdrafts and term loans), and insurance premium funding to small and medium enterprises, with an active broker channel of over 3,000 accredited intermediaries alongside direct online applications.
The core technology is a lending platform comprising a dedicated broker portal (portal.dynamoney.com) for application processing and document management, a customer self-service portal (customer.dynamoney.com), and online application forms enabling 10-minute submissions with same-day decisioning. Product capabilities include business term loans from $5,000 to $500,000 at indicative 12.95% p.a., interest-only overdrafts up to $250,000, and insurance premium funding up to $5,000,000. The company holds Australian Credit Licence 521900, is a member of the Australian Financial Complaints Authority, and is registered as a Consumer Data Right Data Holder.
Dynamoney generates revenue primarily through interest income on drawn balances across its loan book, supplemented by documentation fees (e.g., $495 on term loans) and early termination fees ($795). The company serves a horizontal SME customer base spanning industries such as solar energy, biotechnology, defence, manufacturing, and trade services, with cumulative originations of $5bn+ to 25,000+ customers, and employs 51-100 staff. Ownership is founder/management controlled with no disclosed institutional investors.
Dynamoney firmographics
Firmographics- Name
- Dynamoney
- Legal name
- Dynamoney Limited
- Website
- https://dynamoney.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Dynamoney is an Australian non-bank business finance lender providing asset finance, equipment finance, business loans, and insurance premium funding to small and medium enterprises, distributed through a 3,000+ broker network and direct online channels nationwide.
- Ownership category
- akta.pro rank
Dynamoney industry classification
Industry- Product category
- SME Business Lending
- NAICS
- Credit Card Issuing (52221)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Commercial Trucking & Heavy Equipment Vehicle Finance (FSAKADAI)
- akta.pro secondary industry
- Equipment Financing / Leasing (Venture-backed) (FSANAIAE)
Keywords
Where Dynamoney is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
Dynamoney business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Asset Finance Interest: Interest income from vehicle finance, equipment finance, and other asset-based lending products. Interest is charged on drawn funds only, with rates based on creditworthiness and collateral.
- Business Term Loan Interest: Interest income from business term loans ranging from $5,000 to $500,000. Fixed interest rates with repayment terms from 1 to 5 years.
- Business Overdraft Interest: Interest-only facility where customers pay interest only on the balance outstanding. Minimum overdraft $5,000, maximum $100K.
- Insurance Premium Funding: Premium funding allows businesses to spread insurance costs over monthly installments. Interest is charged on the financed amount with fixed competitive rates.
- Loan Fees: Documentation fees ($495) and early termination fees ($795) for business term loans. Establishment, service, and documentation fees apply across product lines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Overdraft - Unsecured and Secured options |
| One time/ perpetual license | Monthly | Business Term Loan - Property Owner |
| One time/ perpetual license | Monthly | Business Term Loan - Non Property Owner |
| Unit Pricing | Monthly | Insurance Premium Funding |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Dynamoney product offering
Product offeringCore offering
Dynamoney is a non-bank business finance lender providing fast, flexible finance to Australian small and medium-sized enterprises. Its product suite spans asset finance (vehicle and equipment financing), business loans (overdrafts and term loans), and insurance premium funding, with same-day decisioning and funds typically available within 24 hours. Distribution is driven by a network of more than 3,000 accredited brokers complemented by direct online applications and dedicated broker and customer portals.
Product overview
Dynamoney is a non-bank business finance lender offering a comprehensive suite of SME-focused financial products. The core offerings consist of Asset Finance (encompassing Vehicle Finance and Equipment Finance), Business Loans (including Business Overdraft and Business Term Loan), and Insurance Premium Funding. Vehicle Finance includes specialized brand-specific financing for Subaru, Audi, Kia, Hyundai, Mazda, Ford, and Volkswagen vehicles, covering cars, SUVs, and commercial vehicles. Equipment Finance spans Medical Equipment, Office Equipment, Industrial Machinery, and Solar & Energy Finance. The company also provides branded vehicle finance options for specific automotive manufacturers, serving both business and personal use cases through its network of 3,000+ accredited brokers.
Differentiator
Problem solved
Functional benefit
Products and services
- Asset Finance Comprehensive financing solution allowing Australian businesses to acquire vehicles, equipment, and other business assets through flexible funding arrangements. Encompasses Vehicle Finance and Equipment Finance sub-lines.
- Vehicle Finance Financing for cars, trucks, trailers, and yellow goods (construction and earthmoving equipment) for business use, covering new, used, and demonstrator vehicles. Includes brand-specific finance for Subaru, Audi, Kia, Hyundai, Mazda, Ford, and Volkswagen.
- Equipment Finance Flexible financing enabling businesses to rent or purchase equipment including medical equipment (e.g. AEDs), office equipment, industrial machinery, and solar and energy systems to reduce energy costs.
- Business Loans Range of business lending solutions for SMEs to manage cash flow, purchase stock, or invest in business assets, with funds available within 24 hours. Includes Business Overdraft and Business Term Loan products.
- Business Overdraft Flexible interest-only overdraft facility for SMEs with same-day decisioning, minimum $5,000 up to $250,000 (unsecured) or $100,000, with secured or unsecured options available. Interest charged only on drawn funds.
- Business Term Loan Fixed amortizing term loan for SMEs from $5,000 to $500,000 with repayment terms of 1 to 5 years for property owners, or up to $250,000 over 36 months for non-property owners. Indicative rate 12.95% p.a., documentation fee $495, early termination fee $795.
- Insurance Premium Funding Finance solution enabling businesses to spread insurance premium payments over up to 12 monthly installments, with minimum financed amount of $1,000 and maximum of $5,000,000. No property security required, no ongoing fees, and no directors guarantees.
Quantifiable outcome
- Funds available within 24 hours of approval
- +3 more outcomes
Companies that use Dynamoney
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles3 records
Dynamoney technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Dynamoney partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- St George Illawarra DragonsflagshipThree-year partnership naming Dynamoney as the official business lender of the St George Illawarra Dragons NRL team. Provides brand visibility through match-day sponsorship, team branding, and community engagement. Represents the company's major consumer/marketing sponsorship initiative.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Dynamoney competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Dynamoney social profiles
Digital presenceDynamoney compliance and trust
Trust signalCompliance4 records
Dynamoney financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dynamoney leadership team
Management profileNumber of profiles
Profiles2 records
Dynamoney subsidiaries and ownership
Company hierarchySubsidiaries1 record
Dynamoney funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dynamoney 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 Dynamoney
What does Dynamoney do?
Dynamoney is a non-bank business finance lender providing fast, flexible finance to Australian small and medium-sized enterprises. Its product suite spans asset finance (vehicle and equipment financing), business loans (overdrafts and term loans), and insurance premium funding, with same-day decisioning and funds typically available within 24 hours. Distribution is driven by a network of more than 3,000 accredited brokers complemented by direct online applications and dedicated broker and customer portals.
Is Dynamoney a public or private company?
Dynamoney is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dynamoney founded?
Dynamoney was founded in 2015. It employs 51 to 100 people.
Where is Dynamoney based?
Dynamoney is headquartered in Sydney, Australia, in the Oceania region.
How does Dynamoney make money?
Five revenue lines are on record. Asset Finance Interest is the primary driver. The others are business Term Loan Interest, business Overdraft Interest, insurance Premium Funding and loan Fees.
Does Dynamoney have an API?
No public API is recorded for Dynamoney.
What industry is Dynamoney in?
Dynamoney's product category is SME Business Lending. Its primary akta.pro industry code is FSAKADAI, Commercial Trucking & Heavy Equipment Vehicle Finance, with a secondary code of FSANAIAE, Equipment Financing / Leasing (Venture-backed). Its NAICS code is 52221 and its SIC code is 6162.