Rating based on 27 reviews


  • Peer-to-peer loans up to $10,000
  • Low-interest starting from 18.67%
  • Repayment up to 60 months

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Timelio homepage
Author Timelio. Screenshot of Timelio website.
[Accessed May 26, 2023]

About Timelio

Timelio is a marketplace lending platform that allows Australian businesses to sell their invoices from governments and large corporations to online investors.

Timelio is a successful mix of a peer-to-peer lender that offers personal loans, an alternative business finance provider and a company that offers to factor.

How invoice finance differs from factoring

Invoice financing from Timelio is different from regular factoring because you do not have to offer up all of your invoices – only the ones that you want to and that will benefit your business.

In addition, as a P2P marketplace, the fees you’ll be paying will be significantly lower than that you’ll incur with a traditional factoring firm.

Their founders and passionate team

Founded by Charlotte and Andrew Petris, Timelio is a small and growing business finance marketplace that offers small Australian businesses the liquidity they need to stay afloat, keep operations running smoothly and grow.

They’re fast, secure & innovative

The Timelio platform is highly streamlined, neat and user-friendly. In addition, they’ve incorporated some of the latest and most innovative platform, safety and security features which is evident by the ease at which you can complete registration and get credit.

Timelio Services

Timelio is an invoice finance lending platform that allows eligible Australian business owners to sell their invoices to investors who are looking to gain above-average returns than banks and other regular investment specialists offer.

Although very similar to factoring it is much more flexible and also falls into the “peer-to-peer loan” category since investors bid on the platform to “buy” invoices from borrowers.

They’re filling in the gap

While the banks don’t pay much attention to the little guys and look for reasons to reject their application for credit at every corner, high-tech start-up Timelio has found a major gap in the market and is filling it up FAST.

Invoices from $10,000 onwards can be financed

You can finance any invoices that you want to and you can get up to 100% of the value of any invoice provided that it amounts to $10,000 or more.

Simply see what past borrowers have to say about them and you’ll certainly be impressed enough to give them a try!

For smaller invoices, you can contact their team who will be very willing to combine them for you and let you make it to the bidding phase.

Timelio – Peer-to-peer loan

  • Loan Type Peer-to-peer loans
  • Interest Rate from 18.67%
  • Loan Amount up to $10,000
  • Repayment 24 months to 60 months

Benefits of Timelio

  • Quick peer to peer loans
  • Convenient online loan applications
  • Qualify for a loan amount up to $10,000

Peer-to-peer loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This peer-to-peer loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Fill in the quick application form, it only takes a few minutes

Business loans and business finance, in general, are very complex and are made even more difficult by the large banks which are unwilling to be flexible and help the small and medium-sized businesses.

With Timelio start-ups, small and medium-sized businesses are able to liquidate their invoices quickly and easily with lower rates and fees.

Why sell your invoices?

When dealing with large companies and government departments you may have to wait for anything from 30 to 120 days to have your invoices paid, however, by using a P2P loan for businesses you can have your invoice paid in just 2 hours.

This increases cash flow to your business and allows you to continue with your operations full speed ahead while cleverly controlling your cash flow. You can also easily afford to finance growth and make your business achieve its potential without slowing down.

Does your business qualify to apply?

If your clients consist of big companies and government departments, you have invoices of more than $10,000 and, have an Australian-owned and registered business then you can use this marketplace lending platform to finance your invoices.

Apply online and get approved Fast

You can apply via an online loan application form on Timelio and, once you’ve been approved, your invoices will be funded or “bought” by investors on the Timelio platform.

Which payment method is faster?

The debit order system seems to work a lot better for customers as well as the lender or broker. This is because there is no need to run around on the day of the payment to ensure that the payment goes through.

There might be times when you can’t even get some time off from work but when you use the systematic debit order method, there won’t be any need to worry about the day of your payment.

All a customer has to do is to ensure that there are sufficient funds in their bank account and that’s it. The debit order system is convenient for all relevant parties.

Can you get a lower peer-to-peer loan quote?

All the quotes that they give to customers have already been reduced to meet the financial demands of clients. If you feel that you can’t afford the credit plan, please don’t accept it as they don’t want you putting yourself in a position where you know you won’t be able to pay back.

Always ensure that you take a loan that will work well for you and for your budget. Seek financial advice to get a better credit deal.

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Timelio is a trusted & reliable provider of peer-to-peer loans

In our review, Timelio adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Timelio is a registered credit provider in Australia: ACL 323 106

Customer Reviews & Testimonials

September 2018

Without the financial assistance from Timelio, I would still be looking for a peer to peer loan I can afford. Thank you for giving me just what I need.

Richard P
— Maitland —

April 2019

What an easy, straightforward and convenient loan application process Timelio has.

Lucy J
— Queensland —

Timelio Contact

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