Dynamoney: asset finance and working capital through brokers

Dynamoney is a broker-only business lender with an asset finance book, a term loan, an overdraft and insurance premium funding. It says it has backed more than 25,000 Australian SMEs since 2015, funded over $5bn and works with more than 3,000 broker partners. The lending entity is Dynamoney Limited, which holds an Australian credit licence.

What makes Dynamoney easy to profile is that it publishes its “must haves” for every product. That’s unusual, and useful: you can tell in a few minutes whether you’re in the zone before a broker spends time on your file. The details below are taken from its website as at October 2026.

Dynamoney’s products side by side

	Asset finance	Business loan	Business overdraft	Insurance premium funding
How much	Up to $1m	$20k to $500k	$20k to $500k	$1k to $5m
Non-property owners	Lower limits than owners	Up to $100k	Up to $100k	No property needed
Term	Varies by asset	Up to 5 years (may be 36 months without property)	3-year revolving facility	10 or 12 monthly instalments
ABN/GST registration	12+ months	12+ months	36+ months	Typically 24+ months
Director credit score	550+	550+	550+	No adverse history

A few details from the fine print are worth knowing. The overdraft needs a personal guarantee, and some industries can only get it on a property-owner basis. Business loans and overdrafts above $300k need full financials, and property security comes into play above $200k. Premium funding may need financials where the non-cancellable part of the premium exceeds $100k, or where funding exceeds $200k.

What does Dynamoney’s asset finance cover?

Dynamoney sorts its asset finance into four buckets, for new and used assets:

• Cars and light commercial: cars, utes and road-registrable vehicles under 4.5 tonnes that need only a standard licence
• Trucks, wheels and tracks: trucks, trailers, buses and caravans, plus agricultural and access equipment
• Plant and equipment: plant, manufacturing machinery, solar and clean technology, and yellow goods attachments
• Other business assets: office technology, portable buildings, scaffolding, fit-outs, refrigeration and drones

Broker testimonials on its site also mention medical equipment and solar as areas of strength. That breadth matters if your purchase is a bit unusual: a portable site office or a coolroom is harder to place with lenders that only fund primary assets. Our guide to asset finance explains how lenders rank assets and why secondary assets usually cost more.

Why does the 550 director score matter?

A score of 550 isn’t a high bar on the 0 to 1,000 and 0 to 1,200 scales Australian credit bureaus use. But Dynamoney publishes it as a hard floor, so a director with a recent default, several missed payments or a cluster of fresh credit enquiries could fall below it without realising. Before your broker submits, it’s worth checking your own file for free. Our credit score glossary entry explains what moves the number, and our page on business loans with a low credit score covers the options if you’re under the line.

The other gate is time. Twelve months of ABN and GST registration rules out very new businesses for most products, and the overdraft’s 36-month requirement is stricter still.

Wondering if your score and trading history fit Dynamoney, or a different lender entirely? Send us the basics and someone will give you a straight read, with no credit enquiry at that stage.

A worked example: owner versus non-owner

Two electricians, each trading for three years with similar turnover and a director score above 600, want $150k for working capital.

• Electrician A owns a home. They sit inside Dynamoney’s property-owner limits for the business loan and could ask for the full $150k over a term of up to five years, with property security likely to apply above $200k.
• Electrician B rents. The business loan caps them at $100k, and the term may be held to 36 months, which makes each repayment noticeably larger.

Electrician B isn’t stuck. They might combine a $100k loan with asset finance for a van the business needs anyway, freeing cash elsewhere. Or they could look at an unsecured business loan from a lender with higher non-property limits. Run both scenarios through our business loan repayment calculator before choosing.

Who should consider Dynamoney, and who shouldn’t?

Dynamoney is worth a look for established businesses with clean-ish credit that want a single broker relationship covering equipment, working capital and insurance. Property owners get the most out of it.

It is less suited to businesses under 12 months old, directors with scores below 550, and anyone wanting to apply without a broker. If your main need is an overdraft and you’ve been trading less than three years, compare a business line of credit from an online lender.

If Dynamoney can’t help

Declines here usually come back to one of three things: time in business, credit score or the property question. For newer businesses, see business loans for an ABN under 12 months. If credit is the issue, specialist and private lenders assess case by case. If you own property but need more than $500k, a property-secured facility through HomeSec Business Finance may reach further.

Comparable lenders with profiles here include Flexicommercial, Metro Finance and, for working capital, Shift.

Know your numbers? Let’s see which lender says yes

The nice thing about published criteria is that they tell you where you stand. The frustrating thing is that every lender’s criteria are different, and the one that fits you best might not be the one you’ve heard of.

Sorting through that is our job. The form is short (count on a minute, give or take), asking triggers no credit check, so your score won’t budge. Your details aren’t fired off to dozens of lenders. Instead, one of our specialists studies your circumstances and rings you. Be precise about your trading history, property and credit, and we’ll steer you to a lender that fits first time.

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