Flexdoc's focus on SME lending market
In May 2025 we rebranded to Flexdoc. The change was more than cosmetic. It was the outcome of months of watching the market, speaking with clients, and recognising where the real need lies.
We saw a gap in the way finance serves Australia’s self-employed entrepreneurs, business owners, and investors. These are the people driving the economy, yet the system designed to lend to them is still stuck in the past.
Australia has around 2.5 million self-employed and SME operators. Together they make up more than half of private sector employment and contribute a third of GDP. They build, they invest, they take risks.
But when they look for finance, they are forced into a process made for salaried workers. Banks want neat payslips and predictable patterns. Entrepreneurs often live with complexity, and the current lending system is not built to handle that.
This is where Flexdoc comes in. Our mission is to bring clarity and flexibility to a market that has been overlooked for too long. We are not trying to serve everyone.
We focus on those who do not fit the cookie-cutter mould, the people with investment portfolios, multiple businesses, or income streams that look different on paper but are real and productive.
The opportunity is huge. Each year more Australians choose self-employment for freedom and control, and with that shift comes a growing demand for finance that works with them, not against them. We estimate that lending into this market represents $50–60 billion annually. Yet traditional lenders still underserve it, weighed down by rigid policies and outdated systems.
Flexdoc was created to fill that gap. We exist to help entrepreneurs close deals faster, to give them confidence that finance will not be the obstacle to their ambition. Our promise is simple: lending should be refined, flexible, and built around real lives. The future belongs to those who adapt, and Flexdoc is built to back them.