So Money's founder, Zachary Su, highlighted the challenges faced by small business owners in securing financing from major banks, which often have rigid requirements and lengthy assessment periods. The new offerings are designed to address these issues by streamlining the application process and accommodating the unique financial profiles of modern Australian SMEs.

Key features of So Money's new lending solutions include:

• Simplified income document verification, reducing the administrative burden on borrowers and brokers.
• Flexible lending criteria that consider the diverse income patterns of self-employed individuals.
• Rapid approval cycles, enabling businesses to access funds quickly to seize growth opportunities.

Additionally, So Money has introduced a broker-partnership model that allows brokers to focus on sales and client relationships, while the lender handles data entry, follow-ups, and back-office support. This model aims to enhance efficiency and scalability for brokers, providing a supportive platform for both experienced professionals and new entrants.

With over 500,000 new Australian Business Numbers (ABNs) registered between April 2023 and October 2025, the demand for accessible and flexible business financing is on the rise. So Money's expansion into SME lending positions it to meet this growing need, offering tailored solutions that align with the evolving landscape of Australian small businesses.