What Moneytech does

Moneytech is an Australian non-bank commercial finance company headquartered in Sydney with offices in Melbourne and Brisbane, providing business lending solutions to small and medium enterprises across construction, health, manufacturing, retail, logistics, and transport. Founded in the early 2000s, the company operates a horizontal SME lending model spanning the full business lifecycle, with core products including Equipment Finance, Business Loans ($25,000-$500,000), Line of Credit (up to $500,000), Secured Loans ($100,000-$2.5 million), Trade Finance (up to $10 million), Invoice Finance ($150,000-$25 million including the Cash Advance sub-product), Commercial Property Loans (up to $2.5 million), and a Luxury Line for prestige vehicles. Adjacent services such as Foreign Exchange and Velocity Points rewards are offered via partnerships with TorFX, Convera, and Virgin Australia Business Flyer.

The company's technology foundation is its proprietary Partnr platform, which provides read-only integrations with Xero and MYOB for real-time cash flow and receivables data, complemented by a proprietary Broker Portal integrated with Equifax commercial credit intelligence and an Eftsure-integrated payment protection layer. AI is applied to high-volume document assessment (bank statements, ATO documentation, invoice verification), credit decisioning across structured financial data, and anomaly detection through the ID Matrix identity verification capability. The 2022 acquisition of Monoova extended the platform into B2B payments infrastructure.

Moneytech monetizes primarily through interest income on its lending book plus origination, processing, and facility fees on business loans, invoice finance, and trade finance. Go-to-market is broker-led, anchored by the March 2026 appointment to the AFG lender panel covering 4,300 brokers nationwide, supplemented by direct broker accreditation through a proprietary portal, accountant and adviser referrals, and direct digital enquiry. The company is privately held, with a $20 million capital raise in November 2021 led by Colinton Capital Partners with participation from CVC Emerging Companies Fund.

Name

Moneytech

Legal name

Moneytech Group Limited

Website

https://moneytech.com.au

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

51–100 employees

Short description

Moneytech is an Australian non-bank lender providing business loans, equipment finance, trade finance, invoice finance, and secured lending to small and medium enterprises across multiple industries, distributed primarily through broker and accountant channels.

Ownership category

akta.pro rank

Product category

Commercial Lending / SME Finance

NAICS

Commercial Banking (522110), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG), Equipment & Asset Finance (SME) (FSAKAGAF), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• SME commercial lending
• Non-bank business finance
• Equipment finance
• Invoice finance
• Trade finance

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Business Lending Interest Income: Moneytech earns interest income on its suite of business loans including equipment finance, secured loans, and working capital facilities. Loan amounts range from $25,000 to $2,500,000 with varying terms and interest rates.
2. Invoice/Debtor Finance Fees: Fees from invoice finance and debtor finance facilities that allow businesses to unlock cash tied up in unpaid invoices. Facilities range from $150,000 to $25 million.
3. Trade Finance Fees: Fees from trade finance solutions that help businesses manage financial demands of buying and selling goods locally and globally. Borrowing up to $10 million with repayment terms up to 120 days.
4. Business Loan Origination Fees: Origination and processing fees from business loans ranging from $25,000 to $500,000 with fast approvals and flexible security requirements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Moneytech is an Australian non-bank commercial finance company providing tailored lending solutions to small and medium enterprises (SMEs). Its core offerings include equipment finance, business loans ($25K–$500K), line of credit (up to $500K), secured loans ($100K–$2.5M), trade finance (up to $10M), invoice finance including a Cash Advance product ($150K–$1M), and commercial property loans (up to $2.5M). The company distributes primarily through a broker channel including AFG, with supporting direct digital enquiry for SMEs.

Product overview

Moneytech is an Australian non-bank lender offering a broad suite of SME lending products. The core product portfolio includes Equipment Finance, Business Loans ($25K-$500K), Line of Credit (up to $500K), Secured Loans ($100K-$2.5M secured by property), Trade Finance (up to $10M), Invoice Finance (Cash Advance $150K-$1M and standard Invoice Finance $500K-$25M), and Commercial Property Loans (up to $2.5M). The company operates the Partnr Platform for accounting software integrations (Xero, MYOB) and a proprietary Broker Portal with Equifax credit data access. Additional services include Foreign Exchange (via TorFX and Convera partnerships) and Virgin Australia Business Flyer rewards. The product suite is designed for brokers, accountants, and direct SME borrowers, spanning the entire business lifecycle from working capital to asset acquisition.

Differentiator

Problem solved

Functional benefit

Brands

• Moneytech: Primary brand operating under Moneytech Group Limited, providing business lending solutions to Australian SMEs

Products and services

• Equipment Finance Finance solution for acquiring business-critical assets including vehicles, plant, machinery, and equipment. Spreads costs over time with repayment options tailored to cash flow. Designed for Australian SMEs.
• Business Loans Unsecured business loans ranging from $25,000 to $500,000 with fast approvals often within 24 hours and flexible repayment terms up to 36 months. No requirement for up-to-date financials for application. Designed for Australian SMEs.
• Line of Credit Revolving credit facility providing businesses access to funds up to $500,000 with repayment terms up to 120 days from each drawdown. Flexible access to working capital without reapplying each time. Designed for Australian SMEs.
• Secured Loan Term loans from $100,000 to $2,500,000 secured by residential or commercial property. Offers up to 90% LVR for residential and 85% for commercial properties, available on 1st and 2nd mortgages. Designed for Australian SMEs.
• Trade Finance Flexible funding solution helping businesses manage financial demands of buying and selling goods locally and globally. Borrow up to $10 million with repayment terms up to 120 days. Designed for Australian SMEs engaged in import/export.
• Invoice Finance Funding solution that unlocks cash tied up in unpaid invoices. Includes Cash Advance (facility from $150,000 to $1 million, Xero integration, no property security) and standard Invoice Finance (facility from $500,000 to $25 million, flexible terms). Designed for Australian SMEs.
• Cash Advance Invoice finance solution designed to simplify debtor finance for SMEs. Features seamless Xero integration via the Partnr platform, confidential facility without requiring a control account, access to up to 80% of outstanding invoices, and automatic repayment adjustments. Facility limits from $150,000 to $1 million.
• Commercial Property Loans Commercial property loans up to $2.5 million with borrow up to 80% LVR (85% when packaged with Invoice or Trade Finance). Used for property acquisition, refinancing, or equity release. Designed for Australian SMEs.
• Luxury Line Specialised finance solution for prestige and exotic vehicles up to $1.2 million for business use. Addresses the financing challenges SMEs face with traditional lenders for luxury vehicles. Developed in partnership with Fuel Asset Finance.
• Foreign Exchange Foreign exchange services offered via partnerships with TorFX and Convera, providing competitive rates, zero transfer fees, and expert support for international payments, currency risk management, and access to over 140 currencies across 200 countries and territories.
• Virgin Australia Business Flyer Rewards program partnership with Virgin Australia Business Flyer enabling Velocity Points earning on Moneytech facilities. Facilities $500,001+ earn 200,000 Velocity Points; $250,001-$500,000 earn 100,000 points; $250,000 or less earn 10,000 points. Ongoing Line of Credit earns 1 point per $20 drawn.

Quantifiable outcome

• Fast approvals often within 24 hours for business loans
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability7 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• Australian Finance Group (AFG)coreChannel Partner/ Reseller/ Distributor · 9 March 2026Moneytech was appointed to the AFG lender panel, expanding broker access to its financial products for SMEs. The partnership aims to enhance SME funding options amid tightening bank credit conditions. AFG supports a national network of 4,300 brokers across residential, commercial and asset finance. The collaboration is now active for AFG brokers.
• MYOBcoreTechnology or Integration · 24 February 2026Integration partnership allowing businesses using MYOB to securely connect their accounting data as part of the finance application process. Gives Moneytech real-time visibility over trading performance and receivables, removing the need for repeated document requests and enabling quicker assessments. Particularly beneficial for Moneytech's Cash Advance solution.
• EftsuresupportingTechnology or Integration · 25 September 2025Partnership with Eftsure's B2B payment fraud prevention platform delivering security for SMEs and brokers. Uses multi-factor verification to cross-check banking details against a database of verified vendors before funds are released. Protects nearly $24 billion in business payments each month.
• XerocoreTechnology or Integration · 15 September 2025Integration with Xero, the global small business accounting platform, giving businesses a smarter, more streamlined way to access working capital. Allows businesses to connect their Xero account directly to Moneytech's Partnr platform for faster credit decisions. Real-time insight into cash flow and receivables for accurate funding decisions often within hours.
• EquifaxcoreTechnology or IntegrationIntegration with Equifax, Australia's largest commercial credit bureau, giving brokers access to broader commercial credit intelligence. Equifax provides one of Australia's most comprehensive business datasets covering credit activity, payment behaviour, insolvency records and risk indicators. Strengthens Moneytech's credit assessment for SME finance applications.
• TorFXsupportingGTM or Marketing PartnerPartnership with TorFX, a leading international payment and foreign exchange provider, offering customers competitive rates, zero transfer fees and expert support. Provides 24/7 access to secure online payment platform and risk management guidance.
• ConverasupportingGTM or Marketing PartnerPartnership with Convera, one of the world's largest non-bank B2B cross-border payments providers. Offers access to over 140 currencies across 200 countries and territories with near real-time payments to mitigate foreign exchange fluctuations.
• Virgin Australia Business FlyersupportingGTM or Marketing PartnerPartnership with Virgin Australia Business Flyer allowing customers and referral partners to earn Velocity Points on settled finance facilities. Facilities $500,001+ earn 200,000 Velocity Points; $250,001-$500,000 earn 100,000 points; $250,000 or less earn 10,000 points. Ongoing Line of Credit earns 1 point per $20 drawn.
• Fuel Asset FinancesupportingStrategic or Co-development PartnerCollaboration with Fuel Asset Finance for exotic car financing solutions. Chad Arenson, Director of Fuel Asset Finance, worked with Moneytech to shape the Luxury Line product for prestige vehicles. Collaboration designed to address challenges SMEs and brokers face in financing luxury vehicles.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Judo Bank: Australian challenger bank focused on SME lending, offering business loans, lines of credit, equipment finance and commercial property loans. Direct competitor across Moneytech's full product suite, targeting the same broker distribution channel.
• Assetline Capital: Australian non-bank lender offering equipment finance, commercial loans and property finance to SMEs and brokers. Direct competitor across Moneytech's secured loan and equipment finance products.
• Prospa: Australian online lender to small businesses offering business loans, lines of credit and unsecured finance. Direct competitor to Moneytech's core SME lending products, serving the same broker and direct channels with similar Xero-integrated underwriting.
• Moula: Australian online lender to small businesses using accounting data integrations (Xero, MYOB) for underwriting. Direct competitor to Moneytech's Cash Advance and business loan products, with similar data-driven credit assessment approach.
• Capify: Australian non-bank lender offering business loans and lines of credit to SMEs with a focus on speed and flexible criteria. Direct competitor to Moneytech's working capital and business loan offerings.
• Plenti: Australian fintech lender providing asset finance, business loans and renewable energy finance. Direct competitor to Moneytech's equipment finance and business loan products, with similar broker distribution.
• Scottish Pacific Business Finance: Australian invoice finance and debtor finance specialist. Direct competitor to Moneytech's invoice finance and Cash Advance products, serving SMEs through broker and direct channels.
• OnDeck Australia: Australian arm of OnDeck providing online small business loans and lines of credit. Direct competitor in SME working capital and short-term business lending space.

Broad incumbents

• Liberty Financial: Established Australian non-bank lender offering asset finance, commercial loans, and secured business lending. Comparable as a broader incumbent non-bank lender with overlapping SME finance products.
• National Australia Bank (NAB) Business Lending: Major Australian bank with extensive SME business lending, equipment finance and trade finance offerings. Represents the incumbent banking competitor that Moneytech explicitly positions against in its value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/moneytechfinance
• LinkedInlinkedin.com/company/moneytech-limited
• Xx.com/moneytech

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moneytech