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Velociti Capital
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About Velociti Capital

Empowering Australian SMEs to grow, faster.

Velociti provides fast, flexible funding for Australian businesses. Explore our range of loan products, meet our team, and see how thousands of businesses have unlocked their next milestone.

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Velociti Capital team working with a business owner

Our story

Why we built Velociti

Our mission is to give Australian SMEs the financial resources they need to grow and succeed. We understand the unique challenges that small businesses face, and we're dedicated to offering customised financial solutions that are fast, flexible, and transparent.

Founded in 2024, Velociti was born out of a desire to simplify the financing process for small business owners. Our founders saw first-hand the hurdles that traditional lending institutions place in front of SMEs — and set out to create a better alternative: a financial partner that truly understands and supports the needs of small business.

Our values

The principles that guide our work

Four values shape how we treat customers, build product and run the business.

Customer-centric

We prioritise your needs, offering personalised service and support at every step.

Integrity

Honest, transparent practices with no hidden fees or surprises.

Adaptability

We respond swiftly to changing market conditions and client needs.

Innovation

We continuously improve our processes and offerings to better serve our clients.

FAQs

Frequently asked questions

What is Velociti Capital?
Velociti Capital is an Australian fintech lender specializing in fast, not asset backed business loans from $5,000 to $350,000. We provide same-day approval decisions and funding to Australian small and medium businesses. Unlike traditional banks, we focus on business performance and cash flow rather than property security, offering a streamlined digital application process.
How is Velociti Capital different from traditional banks?
Velociti Capital offers significantly faster approvals (2-5 hours vs 2-4 weeks), requires no property security for loans up to $350,000, has a simple online application process, and makes decisions based on current business performance rather than extensive historical documentation. We serve businesses that banks often decline or take too long to approve.
Is Velociti Capital a legitimate business lender?
Yes, Velociti Capital Pty Ltd (ABN 31 672 096 928) is an Australian business lender. We provide transparent loan agreements with clear terms. All interest rates and fees are disclosed upfront before you sign any agreement.
What types of businesses does Velociti Capital work with?
We work with Australian businesses across all industries including retail, hospitality, construction, professional services, healthcare, manufacturing, transport, and technology. Whether you're in Sydney CBD, Melbourne suburbs, Brisbane growth corridors, or Perth mining areas, we serve established businesses with at least 6 months trading history.
How long has Velociti Capital been in business?
Velociti Capital was established to address the gap in fast, accessible business funding for Australian SMEs. We combine modern fintech efficiency with traditional lending expertise to serve businesses that need quick funding decisions without the lengthy bank approval processes.
Where is Velociti Capital located?
Velociti Capital is based in Melbourne and serves businesses across all Australian states and territories through our online platform. We work on local time zones and serve businesses in NSW, VIC, QLD, WA, SA, TAS, NT, and ACT. No branch visits are required - everything is done digitally.
What is Velociti Capital's mission?
Our mission is to make business funding fast, simple, and accessible for Australian SMEs. We believe business owners shouldn't have to wait weeks for bank approvals or risk their homes to access working capital. We're committed to providing transparent, fair lending with quick decisions based on business performance.

Need funds by end of week? You're in the right place.

Pre-qualify in 2 minutes. Decision in 2–5 hours. Funds in your account the same day.

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2-minute application · No credit check to start · No obligation