Facility disclosures
Updated 12 September 2026
Five facility structures
Centurium presents Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance and a Line of Credit. These are funding enquiry categories; they do not establish that Greyrok provides every category or amount. Availability and approved amounts depend on lender assessment and its offer. A line of credit has an approved limit and separate draw requests; it is not a promise that every requested draw will be funded.
Manual assessment
Centurium prepares referrals to Greyrok. The initial workflow records manual reviews of identity, business information, beneficial ownership, credit evidence, bank statements and security where relevant. Equifax API access is not enabled. An authorised report may support a documented manual review, with any required consent obtained before it is requested.
Costs and repayments
Read the amount advanced, fixed finance cost, total repayable, repayment frequency and every applicable charge in the written agreement. A factor rate is a repayment multiple, not an annual percentage rate. Website examples are illustrative and are not quoted rates. Early payment does not automatically reduce a fixed finance cost or waive fees.
Guarantees and security
Any guarantee or security requirement must be identified in the actual agreement. Review who is giving a guarantee, which obligations it covers and what assets support the facility. Do not assume a product name alone describes your personal obligations or security position.
Acceptance and settlement
Greyrok makes the credit decision and issues the final finance documents. Follow the lender’s signing instructions. Centurium records the lender’s outcome and settlement evidence; it does not provide the funds. The account screen itself does not move money. Confirm the payment arrangements and actual funds received; do not treat an application status as proof of bank settlement.
Servicing and financial difficulty
Payments can be recorded and allocated to outstanding amounts, including partial payments or the full contractual balance. Ask the team to confirm the amount and payment reference before paying out a facility. If you expect to miss a repayment or dispute an account entry, raise the issue promptly through your borrower account or call 1300 955 210.
Complaints and operator details
Centurium is operated by Zerowait Corporation Pty Ltd (ABN 48 148 038 448) and coordinates referrals to Greyrok. Centurium does not lend or fund facilities. Call 1300 955 210 or use your borrower account to raise a concern. Describe the issue and the outcome you are seeking so the team can arrange a response and coordinate any lender issue. The lender’s final documents identify the contracting lender and the terms that apply.
Read the privacy notice, website terms and your actual facility agreement together. The glossary explains common finance terms.