Access capital. On Your terms.
Live Signups
Pay Less for Finance Through Competitive Bidding
Traditional finance is expensive because lenders hold the power. Chalcas changes that.
Multiple Lenders Compete
Your finance request goes to multiple vetted lenders who compete for your business with better rates and terms.
You Choose the Best Offer
Compare offers side-by-side and pick the one that works best for your business. Lower rates, better terms, more flexibility.
Traditional Bank
12.5%
Chalcas Lender A
8.9%
Chalcas Lender B
7.5%
Save 40%
Chalcas Lender C
9.2%
Skip the Paperwork
Connect your accounting software and let AI do the heavy lifting. No more manual data entry, no more missing documents.
Automatic financial statement generation
Real-time cash flow analysis
Pre-filled application forms
Instant credit score assessment
One-click document sharing with lenders
Finance on Your Terms
Our AI analyzes your business finances and recommends the right type of financing for your unique circumstances. No more one-size-fits-all solutions.
Invoice Factoring
Turn unpaid invoices into immediate cash.
VERIFIED
Our Vetting Process
Licensing Check
All lenders must have valid ASIC registration and proper licensing
Track Record Review
Minimum 3 years in business with proven SME lending experience
Terms Audit
Fair rates, transparent fees, no hidden charges or predatory terms
Customer Feedback
Real reviews from SMEs who have received funding
Safety in Vetted Lenders
Every lender on Chalcas goes through our rigorous 4-step vetting process. No predatory lenders, no hidden fees, no surprises.
ASIC registered and fully licensed
Transparent fee structures
Fair interest rates
Positive SME reviews
Proven track record
Join the revolution
Be among the first SMEs to access intelligent financing
Start your journey
Join the waitlist and unlock exclusive rewards
Get your unique referral link after joining. Share with friends and get $500 cash when they secure financing, they'll get $500 off—it's a win-win.
Refer a Friend. Earn Together.
Get $500 for every business you refer. They get $500 off their first finance. Everyone wins.
You Get
Cash Reward
When your referral gets financing through Chalcas, we send you $500 cash.
They Get
Loan Credit
Your friend gets $500 credit toward their first loan repayment.
How It Works
Share Your Link
Get your unique referral link when you join the waitlist
Friend Gets Finance
They sign up, apply, and receive funding through Chalcas
You Both Win
You get $500 cash, they get $500 loan credit. Everyone wins!
💡 No limit on referrals. The more friends you refer, the more you earn!
Refer a Friend