About  Us


We started Beyond Merchant Capital in response to the demand of small to medium size businesses for working capital in Australia. Our vision is to become the market leader in providing innovative financial services products to small and medium size businesses across Australia.

As our business was created by entrepreneurs who really understand running your own business, we know that small and medium sized businesses can’t rely on easy access to traditional funding options. Consequently we use a unique funding and payment model to provide a working capital injection for your growing business.


Our story

Beyond Merchant Capital (est. 2016) has extensive lending experience in the cash advance industry, having founded successful cash advance businesses in several countries worldwide. Their shareholders include Merchant Capital who are in turn backed by Capricorn Capital Group and RMI Holdings Ltd. The Capricorn Group is associated with the broader Yellowwoods Group, which includes Hollard Insurance (In Australia: Real, Guardian, Woolworths, MediBank, RSPCA, AUSURE among others). The investment group, RMI, has underlying investments including MMI, Discovery Holdings and OUTsurance (In Australia Youi Insurance). Beyond Merchant Capital’s mission is to support the innovation and modernization of financial services in Australia. In this way, the fintech leader develops innovative financial products that delivers bespoke user experiences to businesses. Beyond Merchant Capital’s target market are digital native users who expect fast, simple and honest financial services products as well as an enjoyable user experience. Beyond Merchant Capital’s strategy also includes commercial alliances within the local and international financial landscape.

The culmination of our partnership with Merchant Capital, Capricorn Capital and RMI Holdings has created a team with extensive experience, knowledge base, and innovation in the Fintech arena.

Our Leadership


Chief Executive Officer, Beyond Merchant Capital

Larry has over 30 years’ experience in the Commercial Banking, Insurance and Specialised Lending Sector, and have vast experience in direct selling to SME’s – specifically providing them with tailored Financial Services, Cash Flow Management and Operational Performance Improvement.

Larry served as a non-executive Director at Redwood Third Party Processing and was also a shareholder that invested in the business with founder Karl Westvig. As an Executive Director at Conduit Capital, Larry’s main role was to assist with group strategy which included growth by way of acquisition within Conduit. In addition, he was involved in growing the distribution of the wholly owned insurance company, Constantia – he was responsible for improving sales for both the broker and the direct side of the business. Larry was a founder of Datacel Pty Ltd land acted as CEO of this BPO company for 6 years. Datacel grew to be one of the largest distributors of mobile and financial services products in South Africa. By way of intrinsic and growth and strategic acquisition the company grew to employ over 1500 people and had customers that included AIG, Metlife, Alexander Forbes, Pick n Pay and Vodacom. In 2007 the business was acquired into Blue Label telecoms listing on the Johannesburg stock exchange.

Larry Prosser Photo


Chief Executive Officer, Beyond Payment Systems

Over the course of a long career spanning corporate advisory roles, senior executive and C-suite positions as well as non-executive and governance posts, Georgina developed her professional practice around creation of shareholder wealth through M&A deal leadership, development of high-performance cultures and optimisation of businesses to evolving economic conditions.
Having begun her career with KPMG in Brisbane, she moved across to their London and Johannesburg offices, where she managed the Corporate Finance Division. Georgina oversaw the design, development and execution of multiple multimillion dollar deals and strategies for a portfolio of global clients.

Building on this experience, in 1997 Georgina took up a role as Head of Corporate Finance at Capital Alliance Ltd, a leading provider of insurance products in South Africa and Australia (now a subsidiary of Liberty Group). Georgina’s success in this role saw her being asked to step into the position of interim CEO for a newly-developed $50m Joint Venture which was languishing with a poor performance culture and insufficient commercial and financial governance. Having delivered a substantial change program, Georgina stepped into the COO role for the parent Group, Brait Ltd which was listed on the Johannesburg, London and Luxembourg stock exchanges, where she led a major strategy to not only survive the difficult trading and share-market conditions of the GFC but to come out of the period of uncertainty leaner and more agile.

With over 30 year’s experience on top-level strategy, governance and executive mentoring, in Board positions for large multinationals and smaller providers of niche technologies, in Georgina’s role as CEO of Beyond Payment Systems she has grown the business into Australia’s leading Payment Processing Fee Specialists.

Gorgina Mariosklas Picture


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Call us on 1300 142 035 or Chat Live with Our Customer Service Team.

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