Frequently Asked Questions

Chirpy Financial is an Australian investment business that provides finance to borrowers and makes direct investments in businesses and initiatives we see commercial value in. Whilst we are not a bank, we operate a similar business model in that we engage in borrowing, lending and other investment activities.

For Australian investors, we offer Chirpy Money™ which is a term-based investment opportunity. This is popular with clients seeking competitive fixed returns on their capital.

For corporate borrowers and companies seeking funding, we offer flexible financing and direct investment solutions.

No, a Chirpy Plus membership is not a pre-requisite. All Chirpy Financial clients are offered a complimentary Chirpy Plus annual membership valued at $99

Yes, our company Community Chirpy Communities Pty Ltd trading as Chirpy Financial is registered with ASIC with Australian Company Number (ACN) 642 280 484.

Chirpy Financial is not required to hold an Australian Financial Services License because we do not provide lending or borrowing services that require the company to hold such a license.

Chirpy Financial is part of the Chirpy Community group of companies. We are a privately held business with Australian ownership.

Chirpy Money™ is a fixed income opportunity for clients seeking competitive fixed returns and capital stability.

Chirpy Money™ is popular with investors seeking regular income, meaningful rates of return and personal service. This generally includes retirees, self-managed superannuation fund trustees, businesses and other investors who have idle capital they are seeking to work harder for them.

There are no fees associated with Chirpy Money™. We do not charge setup, management or exit fees.

These fees are more common in managed funds whereas Chirpy Financial is a private investment business and does not provide money management services.

Chirpy Money™ clients are provided with a legally enforceable contract governed by the laws of New South Wales and a legally enforceable financial instrument. This means that Chirpy Money™ is obligated to pay you principal and interest pursuant to the terms of the agreement.

In the unlikely event of default these contracts are enforceable in Australian courts and carry with them a higher rate of interest until any default is remedied.

Whilst we are diligent in protecting the interests of our clients, an investment in Chirpy Money™ carries risks which are common to investments of this type.

Risks to be mindful of include liquidity, credit, market, interest rate, inflation, political, currency, economic, sector, concentration, valuation, related party, management, counterparty, cybersecurity and general investment risk.

This list is not exhaustive and we recommend clients seek their own independent legal and financial advice before choosing Chirpy Money™.

Chirpy Financial uses the capital it sources for its own commercial benefit in exchange for paying our Chirpy Money™ clients an agreed fixed interest rate. We may use your capital for a variety of purposes including:

• lending to corporate borrowers
• direct investment
• working capital
• capital management
• other corporate overheads

Australian residents with $200,000 or more are eligible for Chirpy Money™.

Yes, we provide loans to corporate (business) borrowers that meet our eligibility requirements.

No. We do not provide personal loans.

We can fund and/or arrange loans for corporate borrowers up to a value of $100 million directly or through our network.

We generally seek first-ranking mortgages over Australian real estate to secure our loans. In some instances, we will accept other forms of collateral and will always nominate an interest rate commensurate with the risk profile.

Chirpy Financial can provide a range of funding options including:

• Business loans
• Short-term working capital facilities
• Bridging facilities
• Invoice finance
• Equipment finance
• Other asset-backed finance
• Direct equity investment
• Revenue or royalty agreements
• and other common forms of business finance.

Yes, we also provide direct investment services for businesses seeking access to capital.

After providing an initial overview of your funding requirement we will typically ask for:

• Financial statements
• Financial budgets including application of funds
• Asset title confirmation
• Information on key personnel
• Identification documents
• And other information for our Investment Committee to assess the opportunity

Start by sending us an online enquiry outlining your requirements. One of our team members will be in touch to notify you if we are interested in the opportunity.