Your finances, understood from your actual business data
Fundz connects to your bank and business platforms to give you cash flow forecasting, fast advances, and income protection — all sized to how your business actually performs.
Cash now
$14,200
Coming in
+$8,600
Going out
-$3,100
90-day forecast
No shortfalls detected
Advance available
$18,500
Based on 90-day revenue
Insurance score
61
/ 100
2 gaps detected
Recent jobs — ServiceM8
Hot water system replacement
Invoiced
$1,840
Burst pipe repair
Paid
$620
Designed for self-employed Australians across industries
One platform, four products
Each product is powered by the same connected data — so the more you use, the more accurate everything gets.
Know where you stand — 90 days out
Connect your bank and Fundz maps your income patterns, recurring expenses, and upcoming obligations into a forward-looking cash flow view. Shortfall alerts before they happen.
- 90-day forecast with confidence bands
- Shortfall detection and alerts
- Income stream recognition
- Expense category breakdown
Fast funding based on your revenue, not your credit score
Fundz reads your job history and bank data to calculate what you qualify for. No paperwork, no credit check. Repay as a small percentage of daily revenue — less when business is slow.
- Funding from $2,000 to $50,000
- Decision in minutes
- Revenue-based repayments
- No early repayment penalties
Income protection sized to what you actually earn
Fundz Cover is a planned accident income protection product. If you're injured and can't work, it's designed to pay a weekly benefit based on your recent real earnings — not a fixed generic amount.
- Accident-only income protection
- Benefit sized from your bank data
- For rideshare, tradies, gig workers
- Waitlist open now
See the gaps in your current coverage
Fundz scans your bank transactions to detect what insurance policies you're likely paying for, compares them to industry benchmarks, and shows you your risk exposure in dollar terms.
- Policy detection from bank data
- Industry benchmark comparison
- Risk exposure in dollar amounts
- Workers comp compliance flag
How it works
Your data does the work. We just show you what it means.
Connect your data
Link your bank account via CDR and optionally your business platforms — ServiceM8, Xero, Tradify, Square, and more. Takes a few minutes.
We build your financial picture
Fundz analyses your income patterns, job history, recurring expenses, and coverage gaps. No manual data entry. Everything is read from your connected sources.
Access products sized to you
Your advance limit, cash flow forecast, insurance readiness score, and cover estimate are all calculated from your actual data — not credit bureau scores or generic assumptions.
Connects to your existing tools
The more platforms you connect, the more accurate your data — and the more products you can access.
+ bank connections via CDR (Consumer Data Right) — read-only, bank-grade security
Built for the way
self-employed people work
Traditional financial products assume a salary. Fundz assumes you're running a business — with irregular income, platform fees, slow months, and jobs that take time to invoice.
Create a free accountData from your business, not a credit bureau
We assess your actual revenue history, job completion rates, and cash flow patterns. Not a three-digit score from a bureau that doesn't know what a rideshare driver earns.
Products that flex with how you earn
Self-employed income doesn't fit a spreadsheet. Advance repayments scale with your daily revenue. Cover benefit amounts are sized to your average weekly earnings — not a fixed bracket.
See the full picture, not just one product
Cash flow, funding, insurance exposure, and coverage gaps — all in one place, all powered by the same connected data. No stitching together apps to understand your finances.
Start with your bank data.
The rest follows.
Connect your bank in minutes. Get a cash flow forecast, an advance estimate, and your insurance readiness score — all from the same connection. Free account, no credit check.
ABN required · Australian residents only · Read-only bank access