About GreyRok
An Australian lender, not a broker.
GreyRok Capital provides short-term working capital to established Australian businesses, funded from our own capital facility. We make our own credit decisions, which is why we can make them quickly, and price them clearly.
Where we sit
The quality middle of the market.
Banks are thorough but slow, and a good business shouldn’t wait six weeks for a decision it needs this month. At the other end of the market, speed usually comes with pricing nobody would choose if they had time to compare.
GreyRok sits between the two: fast, fairly priced, and sized around what the business can comfortably repay. We would rather write a smaller facility that gets repaid than a larger one that strains the account.
That also means we say no clearly. If a business isn’t ready, we say when it would be. If we’re not the right lender, we say so and point elsewhere.
Straightforward
Clear requirements, plain-English terms, and no surprises about what you’re agreeing to.
Responsive
A focused process designed for businesses where timing actually matters.
Disciplined
Funding sized around the strength of the business and its capacity to repay.
Accountable
The people who assess your file are the people who answer the phone about it.
How we assess
A person reads every application.
There is no automated approval engine here. Our credit team looks at the business, the account conduct and the facility requested, and comes back to you directly with questions or a decision.
See the full processWhat we read
Trading history, revenue regularity, account conduct, existing commitments, and whether the purpose fits the term.
What we don’t do
We never ask for your banking login and never see it. Statements come as PDFs you send, or through a read-only connection you authorise with a third-party provider, which cannot move money.
When we check credit
Only later in the process, and only with your explicit consent. Checking eligibility never touches your credit file.
What you see first
The terms and the fixed repayment amount, in writing, before anything is signed or drawn.
The entity
Who you’re actually dealing with.
GreyRok Capital is GreyRok Capital Pty Ltd, an Australian company. Every facility is written by that entity, from its own capital.
Our lending is for business purposes only. Loans are not regulated by the National Consumer Credit Protection Act 2009 and are not available for personal, domestic or household purposes.
- Legal entity
- GreyRok Capital Pty Ltd
- ACN
- 699 478 067
- ABN
- 55 699 478 067
- AUSTRAC
- Registered
- Data residency
- Australia
Want to know if we’re a fit for your business?
Two minutes, no credit check, and a straight answer either way.