This article showcases our top picks for the best Australia based Lending/Financing companies. These startups and companies are taking a variety of approaches to innovating the Lending/Financing industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top Australia Lending/Financing Companies
They are a team of ex-bankers who are passionate about changing the home loan industry for the better. They saw there was a better way to not only help customers get a home loan but also help them pay it off as soon as possible.
That’s why they create a new home loan business that is built around the customer, not the banks. Athena is led by an executive team with deep experience in financial services and has a track record of delivering innovative customer solutions with outstanding customer experiences..
Unlike payment options that have compounding interest and unexpected costs, Affirm shows customers upfront exactly what they’ll pay each month — with no hidden fees and no surprises. Affirm partners with over 2,000 merchants to give shoppers the option to pay with Affirm at checkout including well-known brands across retail including home furnishings, travel, personal fitness, electronics, apparel and beauty, and more.
Loans are made in partnership with Afirm’s originating bank partner Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Jeffrey Kaditz, Max Levchin, and Nathan Gettings established the San Francisco, California-based company in 2012..
DirectMoney combines retail investment and lending services in a unified service platform. It enables investors to directly invest in personal loans via a regulated investment product.
Investors buy units in the DirectMoney Personal Loan Income Fund. Successful borrowers enter into loan contracts managed by DirectMoney.
Borrower interest is paid to investors after deducting of loan losses and management fees. Borrowers with good credit and employment history will be offered rates that are priced according to their credit rating.
This is an innovation in the Australian market where lenders usually offer only one rate based on a single credit grade. DirectMoney is positioned at the at the regulated mainstream end of the peer-to-peer (P2P) lending industry..
Lendi is making it fast and simple for Australians to get home loans. We use smart technology to match customers with loans from over 30 major lenders and help them get approved in an easy online process.
Our revolutionary platform is supported by our team of Home Loan Specialists who make it easy to compare, choose and complete home loans online. This means customers can skip trips to the bank and reduce the cost of their loan.
Founded in 2013, our team has already grown to over 200 people in 4 different Australian offices, and we’ve helped thousands of customers get a better home loan.. .
At Symple, their unique underwriting process allows us to offer interest rates and loan terms that are specific to you. They reward customers who have the highest credit scores, with interest rates generally well below what most major banks offer.
But that also means their rates may not be better for those with credit scores that are not quite as strong. By using Symple’s Quick Quote feature, you’ll get your personalised indicative rate in just 2 minutes (and before you apply).
You can then use that rate to compare against what others are offering, so that you get the best rate available.. .
National Australia Bank
National Australia Bank provides financial services to individuals and businesses in Australia, New Zealand, Asia, the United States, and the United Kingdom. It operates through Consumer Banking and Wealth, Business and Private Banking, Corporate and Institutional Banking, and New Zealand Banking segments.
National Australia Bank accepts transaction accounts, savings accounts, term deposits, and deposit accounts; and specialized accounts, such as foreign currency, business interest, statutory trust, community free saver, and farm management accounts. It also provides home loans; personal loans; agribusiness loans; business market and option loans; agribusiness loans; equipment and vehicle loans; debtor, invoice, and trade finance; and documentary trade, as well as business overdrafts and bank guarantees.
Moreover, National Australia Bank offers insurance products consisting of car, home and content, landlord, travel, life, and injury insurance products; and pension, superannuation, self-managed super funds, and financial planning and advisory services. Further, it provides investment products; credit, debit, and business cards; payments and merchant services; travel services; online banking services; small business services; and international and foreign exchange solutions.
National Australian Bank operated through a network of 719 branches and business banking centers, and 2,695 ATMs as of September 30, 2017. It began operation in 1982, with its headquarters in Adelaide in Australia..
Brighte is a digital payments platform for home energy improvements. It was launched in 2015 by Katherine McConnell, with the mission to help people create energy efficient homes.
Brighte offers 0% interest payment plans that remove the upfront cost barrier of big ticket items like solar and batteries for homeowners. On the flipside, vendors receive the prompt lump sum payment they need as soon as they complete the job.
Brighte is backed by Grok Investments, Airtree Ventures and Skip Capital as well as strategic supporters KPMG, Equifax, IBM and Stone and Chalk. Brighte is a leading Australian fintech company and has been widely recognised for its innovative, distruptive offering in the home improvements market..
LoanDolphin is a loan bidding marketplace where banks and brokers compete to win your Home Loan. Everyone is unique, we all have our own preferences and we all have different needs and wants.
LoanDolphin will help you find the mortgage product and lender that’s just right for you. We allow brokers, credit unions, banks and other mortgage providers to compete for your business openly in one dedicated platform.
Join us today. .
Rent.com.au (ASX:RNT) is Australia’s #1 website dedicated to rental property and delivers a single marketplace for renters, agents and landlords. Focusing exclusively on the rental market for Australia’s growing number of renters (approximately 7 million, or 30 % of the population), rent.com.au is today ranked one of the top 10 property websites in the country and is solely focused on delivering excellent services for renters and marketers of rental properties.
Rent.com.au is not a rental property manager. It accepts enquiries from all listers of rental properties, including real-estate agents, property managers, private landlords, developers, builders, retirement services and universities.
By ensuring its wide availability, rent.com.au provides renters with the widest possible choice in one, convenient location.. .
Firstmac is Australia’s largest non bank lender. Over the last 35 years, Firstmac has provided over 100,000 home loans.
Firstmac currently manages $8 billion in mortgages and $250 million in cash investments with offices in Sydney, Melbourne, Brisbane, and Singapore. Firstmac stays ahead of the banks through the use of online technology and highly trained support staff; based in our Australian call centre.
Firstmac is dedicated to bringing simple, affordable, competitive financial products to market, underpinned by a lengthy track record of success and a pedigree in prime residential home loans. International ratings agency Standard & Poor’s awards Firstmac its highest possible ranking for loan serviceability.
Firstmac self-funds its operations through the release of highly rated Residential Mortgage Backed Securities, historically a low risk investment, and has issued approximately $14 billion in RMBS bonds since 2003. firstmac $8 billion in loans placed 84,000 home owners have put their trust in Firstmac since 2000 Self-funded through $14 billion worth of RMBS bonds in Australian and global markets.
Highest possible ranking from Standard and Poor’s Broker partnerships to deliver a seamless loan application process Proud Premier Sponsor of the Brisbane Broncos NRL team. .
At Rapid Finance, They have been helping Australians to find finance since 2001. They employ an expert team of vehicle, home and personal loan specialists.
And, they are proudly Australian owned. They specialise in tailoring loan solutions to suit individual circumstances.
That means finding you a loan that matches your needs and situation, not someone else’s. Apply with us and they will assign you a dedicated loan specialist.
As your expert in finance, your specialist can compare a range of loan products to find a solution which is suitable for you. they were experienced in seeking out loans to suit a variety of circumstances..
Enably Their mission is to provide simple & straightforward loans that enable you to get on and do the things that are important in life. They recognise that each of Their customers has a unique set of circumstances, and Enably take the time to understand these so that They can genuinely help without putting you under any unnecessary financial pressure.
They were established in 2013 and have funded over 50,000 loans since then. They recently changed Their name to enably and while there are a lot of changes to the way Enably lend money, the customer service that you’ve come to expect from us remains unchanged..
Clearmatch is a marketplace treasury where originators of quality loans can access competitive funding from fixed income investors real-time. It offers a suite of alternative fixed income solutions which allow investors to receive regular income streams with a risk-weighted return based on the underlying credit profile of the assets.
It was established in 2007 by Greg Symons.. .
BondSure allows tenants to pay their rental bond over fortnightly or monthly instalments and helps protect against property damage and extra cleaning with bond insurance. BondSure takes away the financial obstacle of an upfront bond payment, with the option of protecting the bond with insurance.
It enables renters to better manage other upfront costs associated with renting, whilst maximising the potential of recovering the full bond back at the end of the tenancy. BondSure’s rental bond loans cater for bonds of up to $5,000 and tenancies of 6 or 12 months, with the bond being repaid by fortnightly or monthly repayments..
Launched in Australia in 2012 bringing simple, flexible and personalised loans to help make short term loan application easier and available to more people. They aim to keep Their loans convenient, secure, hassle free, flexible and 100% online.
Their growing team in Sydney is here to support you seven days a week. Credit24 is owned by IPF Digital, a leading online provider of short and medium-term loans.
IPF Digital provides loans to customers in Australia and Europe and has approved over 200,000 loans. IPF Digital owns and operates Credit24 Estonia, Credit24 Finland, Credit24 Latvia, Credit24 Lithuania, Creditea Mexico, Hapi Loans Poland, Creditea Spain IPF Digital is part of the IPF Group, quoted on the London Stock Exchange (IPF).e 2007.
As a group, IPF is evolving to meet the changing needs of 2.5 million customers across 12 international markets, providing simple and personalised financial solutions.. .
Club Money loans are tailored to meet your needs and circumstances and can vary in terms of between 16 to 180 days. The exact length and final ‘cost’ of the loan will be determined by things like your pay cycle, the amount you borrow, and the date of the first repayment..
StreamLoan headquarters is located in San Francisco, CA.. .
Banks and Financial Institutions around the world spend a lot of time creating and trying to reinvent digital xperiences as they see that as a differentiator and a competitive advantage. The challenge they go through is, it takes too much time, effort, and cost to create these digital xperiences from scratch in the quest to own the Xperience (IP).
The process is mostly repeated every time they want to launch a new channel and product, going through the same old usual software development cycle with a lot of emphasis on creating the layout and customer journeys. In the constantly evolving world, these investments need to be revisited continuously and a lot of the focus and energy goes in this rather than the core business.
We are empowering Banks to express their imagination easily, cutting through the normal Software Development Life Cycle making it affordable. Our platform is designed to be highly efficient in delivery and costs whilst being effective in meeting the business requirements of complex financial processes.
It includes pre-configured industry best practices and standard use cases with inbuilt validations, integrations, offers and communication enabling banks to optimise operations and their processes while remaining agile, flexible and responsive to business change. The underlying micro-service architecture is easy to integrate, multi-tenanted, and provides genuine 24/7 real time engagement.
Reach out to Rediscover & Redefine Customer Experience (CX), the Chameleon way!. .
Good 2 Go Loans
At Good to Go Loans, they believe in giving everyone a chance to afford the things they need. Whether you need money to pay an urgent bill or cover emergency expenses you didn’t see coming, are looking to expand your business, renovate your house, or finally go on that dream holiday, they have a loan to suit everyone.
They consider all applications, and even offer bad credit loans and unsecured personal loans as well as loans to pensioners, the self-employed and people on Centrelink.. Finvoice was founded in 2014 and headquartered in San Francisco, California..
Brickraise is a real estate crowdfunding platform that brings people of all kinds of backgrounds together to invest in property development projects and real estate opportunities. Brickraise began with a very simple mission- to bring back the ability to create wealth and secure a brighter future through real estate.
It’s about real estate for all. As property prices have soared, the chances of becoming a real estate investor have dwindled.
Even the dream of owning your own home has been moving further from the grasp of most people. Meanwhile, developers have had to jump through an increasing amount of hoops with the banks, large investors and regulators, especially when providing small to medium opportunities for the everyday person..
Yard is an Australian non-bank lender. We’re obsessed with designing innovative mortgage solutions that are simple, transparent and fairly priced.
We have made the home loan experience better for people. That means using the latest technology, providing exceptional locally-based customer service and offering a commitment that your needs come first.
Most home loans are confusing. The long list of hidden fees and charges makes meaningful comparison tough.
The application processes are inefficient, they feel ancient and seem to take an eternity. It’s busy work, but it’s not meaningful.
We are changing this. So, we are revolutionising home loans, step-by-step.
We’ve simplified things so you’re no longer tracking down paperwork or sweating whilst you wait to understand where you stand. A better way to get your dream home.
Mortgage Partners Australia
A Mortgage Broker, Newcastle area and the Hunter Region, providing services for the entire buying cycle. Home Loan Experts with many years experience for finding the best home loan deal for home loan applicants and property buyers.
We are more than just a home loan expert, we take the time to provide you with industry tips and tricks to ensure you are first in line and ready to buy when you find your ideal property. – Finance Advice on “How to Budget” for saving up for a deposit – First Home Buyer loans – Optimizing for financial health for lending criteria – Home Buying Support Services – General Insurance, Income and debt protection – Lending specialist for a property portfolio – Property portfolio analysis for continued wealth creation With over 10 years experience, with many satisfied clients.
We provide mortgage strategies to help you repay your mortgage in the quickest possible time, putting thousands of dollars back in your pocket. Guarantee — Receive free advice on – Budgeting Tips – Budget Templates – Maximizing your financial position for borrowing money – Buying your first property.
You may write to us at: Daily Finance Media/Fupping Ltd, First Floor, 61-63 Rochester Pl, London NW1 9JU.