Valiant
Valiant Finance is an Australian fintech founded in 2015 that operates a business loan marketplace connecting SMEs with 90-plus lenders through AI-powered matching, and an enterprise embedded finance platform serving Fortune 500 OEMs and retailers.
- Company typePrivate
- Founded2015
- HeadquartersSurry Hills, Australia
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Valiant does
Valiant Finance is an Australian fintech founded in 2015 that operates a business loan marketplace connecting small and medium enterprises with a panel of 90-plus bank and non-bank lenders through a single AI-assisted matching application. The company has facilitated over $3 billion in loans to 30,000-plus Australian SMEs across product categories including working capital, business term loans, trade finance, invoice finance, lines of credit, merchant cash advances, asset finance, vehicle finance, equipment finance, and commercial property loans. Its core technology is an AI-powered matching engine that routes a single SME application to the most appropriate lenders on its panel, with funding available in as little as 24 hours through select partners. Major Australian bank partners include ANZ, NAB, and Westpac, alongside non-bank lenders such as Moula, OnDeck, Prospa, Scottish Pacific, Liberty Financial, and Pepper Money.
The company monetizes through two primary streams: (1) broker/intermediary commissions earned from lenders when loan applications are successfully matched and funded, and (2) subscription/recurring revenue from its Enterprise embedded finance platform, which offers Quote, Score, and Route features enabling OEMs, retailers, and other lenders to embed financing directly into their point-of-sale and sales workflows. The Enterprise segment has secured Fortune 500 partnerships, including in the US equipment finance market where the company targets a $1.3 trillion addressable opportunity under recently appointed North American President Joe Iavarone. Go-to-market combines digital self-serve acquisition (website and application at app.valiant.finance), a referral partner network of finance brokers, accountants, and financial advisers, and enterprise field sales for embedded finance deals.
Valiant is headquartered in Surry Hills, Sydney, Australia, with 101-250 employees and operations spanning Oceania, North America, and the United Kingdom. The company has raised approximately $17.3 million across disclosed funding rounds since 2016, backed by investors including 1835i Ventures, Carthona Capital, Reinventure, Salesforce Ventures, Full Circle Venture Capital, H2 Ventures, Black Sheep Capital, MA Growth Ventures, and IAG Firemark Ventures. Leadership is founder-led, with Alex Molloy as CEO and Co-Founder and Richie Cotton as Co-Founder and CTO.
Valiant firmographics
Firmographics- Name
- Valiant
- Legal name
- Valiant
- Website
- https://valiantfinance.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Valiant Finance is an Australian fintech founded in 2015 that operates a business loan marketplace connecting SMEs with 90-plus lenders through AI-powered matching, and an enterprise embedded finance platform serving Fortune 500 OEMs and retailers.
- Ownership category
- akta.pro rank
Valiant industry classification
Industry- Product category
- Business Lending Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Lending & Working Capital Platforms (FSAGAJAA)
- akta.pro secondary industries
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Valiant is headquartered
LocationHeadquarters
- HQ city
- Surry Hills
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Valiant business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Broker/Intermediary commissions: Valiant Finance acts as a loan broker/marketplace, earning commissions or referral fees from lenders when they successfully match a business with a loan product. The company does not exclusively represent a single lender, allowing them to offer a wider range of products and earn commissions across their lender panel.
- Enterprise embedded finance platform: Provides embedded finance solutions for OEMs, retailers, and lenders through their enterprise platform (Quote, Score, Route features), enabling partners to offer finance at point of sale.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Unsecured business loans ranging from $5,000 to $500,000+ |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Valiant product offering
Product offeringCore offering
Valiant Finance operates an online business loan marketplace that connects Australian SMEs with a panel of 90+ bank and non-bank lenders through a single AI-powered application, covering working capital, term loans, asset finance, vehicle finance, equipment finance, trade finance, invoice finance, lines of credit, merchant cash advances, overdrafts, debt consolidation, and business acquisition loans. It also offers an Enterprise embedded finance platform providing Quote, Score, and Route features that OEMs, retailers, and lenders can integrate into their sales workflows to offer point-of-sale financing.
Product overview
Valiant Finance operates as a multi-tiered business finance platform comprising three main segments: Valiant Finance (direct business lending marketplace), Enterprise (embedded finance platform for OEMs, resellers, and lenders), and a Partner referral network. The platform connects Australian SMEs with over 90 lenders offering diverse loan products including Working Capital, Business Term Loans, Trade Finance, Invoice Finance, Business Line of Credit, Merchant Cash Advance, Business Overdrafts, Debt Consolidation, Asset Finance (covering Vehicle Finance, EV Loans, UTE Loans, Truck Loans, Van Loans, Equipment Finance, Lease Agreements, and Heavy Machinery Loans), Secured Term Loans, and Business Acquisition Loans. The company has facilitated over $3 billion in loans and serves 30,000+ businesses.
Differentiator
Problem solved
Functional benefit
Products and services
- Valiant Finance Business Loan Marketplace Australia's leading online business loan marketplace connecting SMEs with 90+ bank and non-bank lenders through a single AI-powered application, covering working capital, term loans, asset finance, vehicle finance, equipment finance, trade finance, invoice finance, lines of credit, merchant cash advances, overdrafts, debt consolidation, and business acquisition loans.
- Valiant Enterprise Embedded Finance Platform World-leading point-of-sale finance platform for business equipment, enabling OEMs, resellers, and lenders to embed finance directly into their sales workflows through Quote, Score, and Route features. Powers embedded finance for Fortune 500 partners and targets the $1.3 trillion US equipment finance market.
Quantifiable outcome
- 30,000+ businesses helped access finance
- +3 more outcomes
Companies that use Valiant
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Valiant technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Valiant partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and major.
- ANZcoreMajor Australian bank partner on Valiant's lender panel. One of the 90+ lenders available through Valiant's platform for business loans.
- NAB (National Australia Bank)coreMajor Australian bank partner on Valiant's lender panel offering business loan products through the platform.
- WestpaccoreMajor Australian bank partner on Valiant's lender panel for business finance products.
- MoulamajorNon-bank lender partner offering business loans through Valiant's platform.
- OnDeckmajorNon-bank online lender partner providing business loans via Valiant's marketplace.
- ProspamajorNon-bank lender partner offering SME loans through Valiant's platform.
- Scottish PacificmajorAsset-based lending partner (invoice finance, trade finance) on Valiant's lender panel.
- Liberty FinancialmajorNon-bank lender partner on Valiant's panel offering various business finance products.
- MoneytechmajorNon-bank lender partner and industry expert contributor on SME lending topics.
- Pepper MoneymajorNon-bank lender partner offering commercial and business finance products.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Valiant competitors and assessment
Company assessmentDirect peers
- Moula: Australian online business lender providing working capital and cash flow finance to SMEs. Moula sits on Valiant's lender panel and competes in the same Australian SME lending category, with a similar data-driven underwriting approach.
- Prospa: Australia's largest online lender to SMEs, offering working capital, business loans, and lines of credit. Prospa is both a competitor (direct lender) and a partner (lender on Valiant's panel), making it the closest functional comparison in the Australian SME finance space.
- Liberis: Global embedded finance platform providing revenue-based financing to SMEs via integrations with payment processors and software platforms. Liberis directly competes with Valiant's Enterprise embedded finance product in the B2B embedded lending space.
- Scottish Pacific: Australian specialist in invoice finance, trade finance, and working capital for SMEs. Scottish Pacific operates as both a lender on Valiant's panel and a competitor for SME borrowers in asset-based and receivables financing.
- Pepper Money: Australian and global non-bank lender offering commercial, asset, and consumer finance products. Pepper is on Valiant's panel and competes in commercial and SME asset finance, particularly for borrowers underserved by majors.
- Iwoca: UK-based fintech lender offering flexible working capital and small business loans via direct and embedded channels. Iwoca is the UK analogue to Valiant's US push and a comparable SME digital lender expanding into embedded finance.
- OnDeck Capital: US-headquartered online small business lender offering term loans and lines of credit. OnDeck is on Valiant's Australian lender panel and competes directly as a technology-led SME lender across multiple geographies.
Emerging players
- Stripe Capital: Embedded lending product from Stripe offering merchant cash advances and working capital to businesses using Stripe payments. Stripe Capital represents the type of large platform-led embedded finance player Valiant's Enterprise product is competing against in the B2B space.
Broad incumbents
- ANZ Bank (Small Business): Australia's largest bank to SMEs, offering working capital, asset finance, and overdrafts. ANZ is on Valiant's lender panel but also competes as an incumbent with deep balance-sheet funding and direct SME relationships.
- NAB (Small Business): National Australia Bank's small business division provides working capital, equipment finance, and commercial property loans. NAB is a Valiant lender partner and a broad incumbent with significantly greater scale and direct distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key highlights7 records
Customer concentration
Valiant social profiles
Digital presenceValiant financial estimates
Financial estimateRevenue estimate
Valuation estimate
Valiant leadership team
Management profileNumber of profiles
Profiles9 records
Valiant funding detail
Funding detailFunding overview
Funding rounds4 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Valiant M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Valiant
What does Valiant do?
Valiant Finance operates an online business loan marketplace that connects Australian SMEs with a panel of 90+ bank and non-bank lenders through a single AI-powered application, covering working capital, term loans, asset finance, vehicle finance, equipment finance, trade finance, invoice finance, lines of credit, merchant cash advances, overdrafts, debt consolidation, and business acquisition loans. It also offers an Enterprise embedded finance platform providing Quote, Score, and Route features that OEMs, retailers, and lenders can integrate into their sales workflows to offer point-of-sale financing.
Is Valiant a public or private company?
Valiant is a private company. It is classified as venture growth investor backed and is currently operating.
When was Valiant founded?
Valiant was founded in 2015. It employs 101 to 250 people.
Where is Valiant based?
Valiant is headquartered in Surry Hills, Australia, in the Oceania region.
How does Valiant make money?
Two revenue lines are on record. Broker/Intermediary commissions are the primary driver. The others are enterprise embedded finance platform.
Who are Valiant's main competitors?
Direct peers on record are Moula, Prospa, Liberis, Scottish Pacific, Pepper Money, Iwoca and OnDeck Capital. Stripe Capital is listed as an emerging player. Broad incumbents are ANZ Bank (Small Business) and NAB (Small Business).
Does Valiant have an API?
No public API is recorded for Valiant.
What industry is Valiant in?
Valiant's product category is Business Lending Marketplace. Its primary akta.pro industry code is FSAGAJAA, SME Lending & Working Capital Platforms, with a secondary code of FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement. Its NAICS code is 5223 and its SIC code is 6163.