SME Bank is the future name of an applicant to the regulator APRA for a full service authority to take deposits and operate as a Bank

When approved SME Bank will

• Take deposits
• Make loans
• Operate bank accounts

SME Fund will be a Securitization Trust structure and subsidiary of SME Bank

SME Fund will

• Fund Mortgages and other securitized assets originated by SME Bank and others
• Comply with APRA APS120 policies
• Issue Notes and Bonds to Investors

SME Cash is a subsidiary brand of SME Bank which is reserved for the provision of wholesale finance to support the funding of pools of receivables assets acquired or originated with Brokers or Non-Bank lenders

SME Cash will

• Provide senior and mezzanine finance in discrete pools of assets
• Manage the Senior Servicer role of cash collection and Reporting
• Provide the platform to the originator entities and their customers

SME Loanmarket is a web based marketplace for Aggregators Introducers and Brokers to source funding for their clients

SME Loanmarket will

• Enable immediate introducer accreditation
• Provide an electronic marketplace platform
• Provide Logoed Offers and Quotations to accredited users to on-send
• Arrange for non ONESME Group funders to participate in the process on the way to a super-app

Both these programmes have the capacity to provide white label 3rd party funding platforms for Investee / Member channels and Broker originated specialist asset pools

financecloud is a party which has been authorized to use and exploit the SMEBankinaBox technology platform by the licenced holder of the rights in Australia and New Zealand

financecloud will

• Arrange for approved banks and lenders to use the rights
• Seek to carry out improvements and enhancements to the platform
• Seek users and investors to carry out further development
• Integrate with Core Banking System platform developers for a total Business Bank

SMEBankinaBox technology platform is a front to back IT process focused on Origination, Underwriting, and Servicing of Bank and non-bank originated Business Finance loans and receivables. This platform is managed by financecloud

SMEBankinaBox technology platform key issues are

• Web-based front ends
• ROBOTICS connectivity with customers financial statement packages for real-time updated data to operate business overdrafts
• Web-based back end for self-service by customers of all their financial information

ADAM connects historic time-series financial statements and bank account data of a Client Borrower to the financecloud ROBOTS for Underwriting Analytics and comparisons with multiple global standards of S&P and Ratio and Bankruptcy predictive analysis.

This includes comparative data for verification and Fraud detection in working capital facilities.

PayNow has an extremely important role to perform in conjunction with the SMEBankinaBox technology platform for all of the technology functions related to payments, security, anti-fraud and all transaction processes.

PayNow will

• Operate a cards and wallet transaction regime
• Develop the blockchain security technology for speedy settlement of contracts and the servicing and communication of reporting between financial parties
• Implement accelerated credit and payment process for BNPL for Business

agripay.com.au will be relaunched in 2024 as an agriculture / rural / regional finance platform with new innovative financial products

https://smebusinesscentre.biz is where customers interact with their working capital and other line of credit product interface.