Credit Guide

1.About Simdex Capital

Simdex Capital Pty Ltd — ABN 83 703 371 797 — submissions@simdexcapital.com — 0485 867 697 — simdexcapital.com

Simdex Capital is a business lending intermediary. We help Australian businesses identify and apply for suitable funding from our panel of funders.

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 funders in our panel
• Identify funders that may be suitable for your needs
• Provide you with indicative options (rates, amounts, terms) for discussion
• Facilitate your application to one or more funders if you choose to proceed
• Support you through the application and settlement process

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 funder if you choose to proceed.

4.Our funder panel

We work with a panel of specialist non-bank lenders, fintech lenders, and select bank and institutional funders. We do not have access to the entire market — there may be funders 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

Simdex Capital may receive a commission or referral fee from funders 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 funder — not by you.

Commission rates vary by funder 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, please contact us in the first instance at submissions@simdexcapital.com or 0485 867 697. 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) at afca.org.au or on 1800 931 678 (free call). 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).