Brolly is an innovative private credit platform specializing in short-term, high-velocity loans in Australia. Utilizing advanced technology, including Open Banking and real-time payment systems, it automates operational processes to offer 30-day loans with a flat 5% fee, targeting high double-digit returns for investors. The platform operates as both a principal lender and marketplace, connecting yield-seeking investors with borrowers seeking quick liquidity.

Brolly’s dual approach mitigates risks and ensures stability, with plans for international expansion. Its scalable, automated system aims to unlock latent capital, providing transparent, affordable credit to underserved middle-class Australians while generating sustainable income through its proprietary lending model.

Offer Structure The Company intends to raise up to A$5,000,000 in aggregate under this IM. The raise is available through two investor options and will be conducted in two steps.

Step 1. Priced Equity (Ordinary Shares) • Offer price: A$3.00 per share (new shares only) • Maximum amount: up to A$2,000,000 • Minimum subscription: A$50,000

Step 2. SAFE (Simple Agreement for Future Equity) • Maximum amount: up to the remaining balance of the A$5,000,000 • Minimum subscription: A$50,000 • Conversion terms: No valuation cap; converts at a 20% discount to the next priced equity round

Brolly is an Australian peer-to-peer lending platform built by Stash Me Ltd that connects everyday borrowers and lenders through a community-driven, technology-powered financial marketplace. Designed to make lending and borrowing simpler, fairer and more transparent, Brolly enables Australians to borrow small, short-term loans quickly, typically between A$100 and A$2,000 with a simple flat fee, and allows lenders to support real people within their community while targeting attractive returns.

By harnessing smart tech, open banking and a social approach to finance rather than traditional banking intermediaries, Brolly aims to reshape how Australians access credit and earn passive income, with fast digital decisions and clear, upfront terms.

Brolly’s revenue model combines income from its proprietary loan book and marketplace fees. The platform’s automated system processes loans with a high turnover rate, around 12 times annually, maximising capital efficiency on net service fee's per loan. Additionally, Brolly earns recurring net service fees from external funds processed through its marketplace, which are reinvested into growth activities like customer acquisition and product development. This dual approach ensures steady income from lending margins while scaling through marketplace fees, supporting sustainable profitability. Please see the IM document for more revenue information.

Brolly’s platform is designed for international scalability, with core infrastructure adaptable to international markets such as New Zealand, the UK, Singapore, and others, without requiring significant rebuilds. The total addressable customer base in these regions is approximately 40 times larger than Australia, offering substantial growth potential. The dual model’s operational independence and diversified funding sources mitigate risks and support rapid expansion, leveraging proven unit economics in a highly regulated environment

Brolly operates within Australia’s responsible lending and consumer protection frameworks, maintaining compliance with AML/CTF, DDO, and KYC requirements, supported by experienced legal and advisory partners. The company is actively monitoring regulatory developments, including BNPL licensing reforms and Treasury’s payments modernization roadmap, and plans to pursue relevant licensing pathways (ACL/AFSL) as needed to support product scaling outside short-term exemption parameters. This proactive approach ensures regulatory alignment and operational flexibility as the business grows.