What we do

Lightning Capital is a business lending intermediary, not a bank or direct lender. We help Australian businesses identify and apply for suitable funding — from a $5,000 working capital top-up to a $5,000,000 growth facility — by matching your profile against a panel of 40+ lenders instead of the single set of criteria a single bank would apply.

Since launching, we've helped fund 1,500+ Australian businesses, facilitating $120M+ in total lending, with an average decision time of around 3 hours and no upfront credit check at the enquiry stage.

Our lender panel

We work with a panel of over 40 lenders, including specialist non-bank and fintech lenders such as Prospa, Moula, Lumi, GetCapital, OnDeck, Shift, Capify, Fifo Capital, and ScotPac, alongside select bank and institutional lenders. We don't have access to the entire market, and we always act in your best interests when recommending a product from our panel — see our Credit Guide for the full detail on our lender panel and how we're paid.

How we're paid

We may receive a commission from a lender when a loan we've facilitated is successfully settled — paid by the lender, not by you. Commission doesn't influence which product we recommend; our obligation is to identify what's actually suitable for your business. Full disclosure is provided before you proceed with any formal application.

Get in touch

Phone: +61 3 7043 7553
Email: hello@lightningcapital.com.au
Hours: Mon–Fri, 9am–5pm AEST

1. Who we are

Lightning Capital Pty Ltd (ABN 43 137 741 210) ("Lightning Capital", "we", "us", "our") is a business lending intermediary operating at lightningcapital.com.au. We help Australian businesses find suitable funding by matching their profile with lenders across our network.

We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. What information we collect

We may collect the following types of personal information:

Identity and contact details

• Full name, email address, mobile number
• Business name, ABN, industry, time in business

Financial information

• Monthly revenue (approximate), requested loan amount
• Existing loans and repayment obligations
• Property ownership details (estimated value, mortgage balance)
• Business bank statements (collected via third-party service bankstatements.com.au)
• Credit profile (self-described — we do not perform a credit check at the enquiry stage)

Usage information

• IP address, browser type, device type
• Pages visited, time on site, referring URLs
• Form interaction data (e.g. steps completed)

3. How we collect your information

We collect information:

• Directly from you via our online enquiry form
• Via bankstatements.com.au when you submit bank statements (governed by their separate privacy policy)
• Automatically via cookies and analytics tools when you use our website
• From lenders in our network, where they provide information about your application or credit history
• From publicly available sources (e.g. ASIC register for ABN verification)

4. Why we collect your information

We collect personal information to:

• Assess your enquiry and match you with suitable lenders from our panel
• Contact you to discuss your funding options
• Process and facilitate your loan application with lenders
• Comply with our legal and regulatory obligations
• Improve our website and services
• Send relevant communications (you can opt out at any time)

5. How we use your information

We use your information only for the purposes for which it was collected, or for directly related purposes you would reasonably expect. We will not use your personal information for direct marketing without your consent, and we will always provide a simple opt-out mechanism.

6. Who we share your information with

We may share your personal information with:

• Lenders in our network — to assess your funding eligibility and provide you with offers
• bankstatements.com.au — our bank statement collection partner (subject to their privacy policy)
• Technology providers — including our website host, CRM, and email service providers, under strict data processing agreements
• Regulatory bodies — ASIC, AFCA, or law enforcement where required by law

We do not sell your personal information to third parties. We do not share your information with marketers or unrelated third parties.

7. Credit-related information

As a lending intermediary dealing in commercial (business-purpose) credit, we handle information about your business's financial position and creditworthiness. This information is used solely to assess lending suitability and facilitate applications with lenders in our panel. We do not access or report to consumer credit bureaus at the enquiry stage.

8. Overseas disclosure

Some of our technology providers may store or process data on servers located overseas, including in the United States and European Union. Where this occurs, we take reasonable steps to ensure those providers comply with standards comparable to the Australian Privacy Principles.

9. How we store and protect your information

We protect your information using industry-standard security measures including SSL/TLS encryption for data in transit and access controls for data at rest. We retain your information for as long as necessary to fulfil the purposes for which it was collected, and in accordance with any applicable legal obligations. When no longer required, information is securely deleted or de-identified.

10. Your rights and access

Under the Privacy Act 1988, you have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or outdated information
• Complain about a breach of the Australian Privacy Principles
• Opt out of direct marketing communications at any time

To exercise these rights, contact us at submissions@lightningcapital.com.au. We will respond within 30 days.

11. Cookies and website analytics

Our website uses cookies and similar tracking technologies to improve your experience and analyse usage. You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain parts of our website.

12. Changes to this policy

We may update this policy from time to time to reflect changes in our practices or applicable law. The current version will always be available at lightningcapital.com.au/privacy-policy. We encourage you to review this policy periodically.

13. Contact us and complaints

For privacy enquiries or complaints, contact our Privacy Officer:

• Email: submissions@lightningcapital.com.au
• Phone: +61 3 7043 7553
• Address: Lightning Capital Pty Ltd, Australia

If you are unsatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: oaic.gov.au
• Phone: 1300 363 992

1. Introduction

These Terms of Service ("Terms") govern your use of the Lightning Capital website at lightningcapital.com.au ("Website") and any services provided by Lightning Capital Pty Ltd (ABN 43 137 741 210) ("Lightning Capital", "we", "us", "our").

By accessing or using our Website or submitting an enquiry, you agree to these Terms. If you do not agree, please do not use our Website.

2. Our services

Lightning Capital is a business lending intermediary. We help Australian businesses find suitable funding solutions by:

• Collecting information about your business and funding requirements
• Matching your profile against lenders in our network (40+ lenders)
• Facilitating introductions between you and suitable lenders
• Assisting with the preparation and submission of loan applications

3. Indicative information only

Any rates, amounts, terms, or other figures displayed on our Website or provided during the enquiry process are indicative only. They are not a credit offer, pre-approval, or guarantee of funding. Actual rates and terms are determined by the relevant lender following a full credit assessment.

4. Eligibility

Our services are available to Australian businesses only. By submitting an enquiry, you confirm that:

• You are at least 18 years of age
• You are authorised to act on behalf of the business named in your enquiry
• The information you provide is accurate and complete to the best of your knowledge
• The purpose of the funding is for legitimate business purposes

5. Your obligations

When using our services, you agree to:

• Provide accurate, complete, and up-to-date information
• Not misrepresent your business, financial position, or purpose for funds
• Not use our Website for any unlawful purpose
• Not attempt to interfere with, damage, or disrupt our Website or systems

Providing false or misleading information may constitute fraud and could have serious legal consequences.

6. No credit check at enquiry stage

Submitting an enquiry through our Website does not constitute a formal credit application and will not result in a credit enquiry being lodged on your credit file. A credit check only occurs when you choose to proceed with a formal application through a specific lender, and we will notify you prior to that step.

7. Commissions and fees

Lightning Capital may receive a commission or referral fee from lenders when a loan is successfully settled. This fee is paid by the lender and does not affect the rate or terms offered to you. We will disclose any commission arrangement before you proceed with a formal application.

There is no charge to you for using Lightning Capital's matching and referral services.

8. Intellectual property

All content on our Website, including text, graphics, logos, and software, is the property of Lightning Capital Pty Ltd or its licensors and is protected by Australian copyright law. You may not reproduce, distribute, or use our content without written permission.

9. Limitation of liability

To the maximum extent permitted by law:

• Our Website and services are provided "as is" without warranties of any kind
• We are not liable for any loss or damage arising from your use of our Website or services, or reliance on indicative information provided
• We are not responsible for the decisions, terms, or conduct of lenders in our network
• Our total liability to you for any claim arising from these Terms is limited to $100 AUD

Nothing in these Terms excludes any guarantee, right, or remedy that cannot be excluded under the Australian Consumer Law.

10. External links

Our Website contains links to third-party websites including lender websites and bankstatements.com.au. We are not responsible for the content, privacy practices, or accuracy of any third-party website. Visiting external sites is at your own risk.

11. Privacy

Our collection and use of your personal information is governed by our Privacy Policy, which forms part of these Terms.

12. Changes to these terms

We may update these Terms from time to time. The current version will always be published on our Website. Continued use of our Website after changes are posted constitutes acceptance of the updated Terms.

13. Governing law

These Terms are governed by the laws of Victoria, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of Victoria for any disputes arising from these Terms.

14. Contact

Questions about these Terms? Contact us:

• Email: submissions@lightningcapital.com.au
• Phone: +61 3 7043 7553

1. General disclaimer

The information provided on this website is for general informational purposes only and does not constitute financial, legal, taxation, or credit advice. Lightning Capital Pty Ltd (ABN 43 137 741 210) makes no representations or warranties regarding the accuracy, completeness, or suitability of any information on this website.

You should seek independent professional advice before making any financial decisions.

2. Not a credit offer or approval

Nothing on this website constitutes an offer of credit, a pre-approval, or a guarantee of funding. All loan amounts, interest rates, terms, and conditions displayed are indicative only and are subject to change at any time. Actual credit decisions are made solely by the relevant lender following a full assessment of your application.

3. Intermediary role

Lightning Capital acts as an intermediary, not a lender. We facilitate introductions between businesses and lenders. We are not party to any loan agreement between you and a lender, and we are not responsible for the terms, decisions, conduct, or performance of any lender in our network.

4. Credit check disclosure

Submitting an enquiry through this website does not constitute a formal credit application. No credit enquiry will be lodged on your credit file at the enquiry stage. You will be informed before any credit check is performed.

5. Business lending — regulatory context

Lightning Capital facilitates business-purpose lending only. Business credit is generally outside the scope of the National Consumer Credit Protection Act 2009. Accordingly, some consumer credit protections under that Act do not apply to business borrowers. We encourage all business borrowers to seek independent legal and financial advice before entering into any credit arrangement.

6. Commission disclosure

Lightning Capital may receive a commission or fee from lenders upon successful settlement of a loan. This remuneration is paid by the lender and does not directly affect the rate or terms available to you. Full commission disclosure will be provided prior to any formal application.

7. Website accuracy

While we strive to keep information on our website accurate and up to date, we make no warranty that the website is free from errors. Content is subject to change without notice. We recommend verifying any information with the relevant lender before relying on it.

8. Limitation of liability

To the fullest extent permitted by law, Lightning Capital, its directors, employees, and agents will not be liable for any direct, indirect, incidental, or consequential loss or damage arising from:

• Your use of or reliance on this website or any information contained within it
• Any decision made by a lender regarding your application
• Any errors, omissions, or interruptions in the website's operation

Nothing in this disclaimer excludes any guarantee, condition, or warranty that cannot be excluded under applicable Australian law, including the Australian Consumer Law.

9. External websites

This website contains links to external websites operated by third parties including bankstatements.com.au and lender websites. Lightning Capital has no control over the content or practices of these websites and accepts no responsibility for them. Links are provided for convenience only.

10. Contact

For enquiries about this disclaimer, contact us at submissions@lightningcapital.com.au

1. About Lightning Capital

Lightning Capital Pty Ltd
ABN: 43 137 741 210
Address: Australia
Phone: +61 3 7043 7553
Email: submissions@lightningcapital.com.au
Website: lightningcapital.com.au

Lightning Capital is a business lending intermediary. We help Australian businesses identify and apply for suitable funding from a panel of 40+ lenders.

2. What we do

When you contact us, we will:

• Gather information about your business, financial position, and funding requirements
• Assess your profile against the criteria of lenders in our network
• Identify lenders that may be suitable for your needs
• Provide you with indicative options (rates, amounts, terms) for discussion
• Facilitate your application to one or more lenders if you choose to proceed
• Support you through the application and settlement process

We do not provide credit directly. All lending decisions are made by third-party lenders.

3. Credit assessment

We do not perform a credit check at the enquiry stage. We assess your suitability for various products based on information you provide, including business revenue, time in business, industry, purpose of funds, and property ownership. A formal credit assessment is conducted by the lender if you choose to proceed.

4. Our lender panel

We work with a panel of over 40 lenders including specialist non-bank lenders, fintech lenders, and select bank and institutional lenders. Our panel includes lenders such as Prospa, Moula, Lumi, GetCapital, OnDeck, Shift, Capify, Fifo Capital, and ScotPac, among others.

We do not have access to the entire market. There may be lenders or products outside our panel that could be suitable for your needs. We will always act in your best interests when making recommendations from our panel.

5. How we are paid

Lightning Capital may receive a commission or referral fee from lenders when a loan facilitated by us is successfully settled. This commission is typically calculated as a percentage of the loan amount and is paid by the lender — not by you.

Commission rates vary by lender and product. We will provide you with specific commission disclosure prior to you proceeding with a formal application. Receiving a commission does not influence the products we recommend — our obligation is to identify suitable products for your needs.

6. Your obligations

To help us identify suitable options, you should:

• Provide accurate and complete information about your business and financial position
• Inform us of any material changes to your circumstances during the application process
• Read all loan documentation carefully before signing
• Seek independent financial and legal advice where appropriate

7. Complaints

If you are not satisfied with our service, we want to hear about it. Please contact us in the first instance:

• Email: submissions@lightningcapital.com.au
• Phone: +61 3 7043 7553

We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days.

If we are unable to resolve your complaint to your satisfaction, you may escalate it to the Australian Financial Complaints Authority (AFCA):

• Website: afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Mail: GPO Box 3, Melbourne VIC 3001

AFCA provides a free, independent dispute resolution service for financial complaints.

8. Privacy

We collect and use your personal information in accordance with our Privacy Policy and the Australian Privacy Principles under the Privacy Act 1988 (Cth).

1. How to make a complaint

You can make a complaint through any of the following channels:

• Email: submissions@lightningcapital.com.au — please include "Complaint" in the subject line
• Phone: +61 3 7043 7553 (Mon–Fri, 9am–5pm AEST)
• Mail: Lightning Capital Pty Ltd, Australia

Please include:

• Your full name and contact details
• A clear description of your complaint
• The outcome you are seeking
• Any relevant dates, reference numbers, or documentation

2. Our process

Step 1 — Acknowledgement (within 2 business days)

We will acknowledge receipt of your complaint within 2 business days and provide you with the name of the person handling it.

Step 2 — Investigation (within 21 days)

We will investigate your complaint thoroughly and aim to provide you with a written response within 21 calendar days. If we need more time, we will keep you informed.

Step 3 — Resolution (within 30 days)

We aim to resolve all complaints within 30 calendar days. Our response will explain our findings, our decision, and any remedial action we propose to take.

3. If you are not satisfied

If you are not satisfied with our response, or if we have not resolved your complaint within 30 days, you have the right to escalate your complaint to an external dispute resolution service.

Lightning Capital is a member of the Australian Financial Complaints Authority (AFCA).

AFCA contact details:

• Website: afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Mail: GPO Box 3, Melbourne VIC 3001

AFCA is a free, independent service available to small businesses and individuals. There are eligibility criteria and monetary limits that apply to AFCA complaints — visit their website for details.

4. Complaints about lenders

If your complaint relates to a decision or action taken by a specific lender (rather than Lightning Capital), we will direct you to that lender's complaints process. Each lender in our network is also required to be a member of AFCA.

5. Continuous improvement

We record all complaints and analyse them regularly to identify trends and opportunities to improve our service. Your feedback, even when negative, helps us do better.