What Hubbe Pty Ltd. does

Hubbe Pty Ltd. is an Australian proprietary limited company operating as a business finance marketplace and broker under the trading name Hubbe. The company connects Australian small and medium businesses with a network of lenders, offering twelve distinct loan products ranging from $5,000 to $5,000,000, including unsecured business loans, secured business loans, merchant cash advances, equipment financing, business lines of credit, vehicle loans, invoice finance, commercial loans, construction loans, mezzanine financing, and property development loans. The platform is positioned for businesses with active ABNs, a minimum of four months trading, and at least $12,000 in monthly revenue, and notably accepts applicants with past judgments and defaults that would typically be rejected by traditional banks.

The company operates from its headquarters at Tower 1, Barangaroo Avenue, Sydney, and serves all Australian states and territories through a digital-first model. Its technology stack is a conventional online platform with enquiry forms, a business loan calculator, callback requests, and city-specific landing pages for nine major Australian cities, supplemented by social media presence on X, Instagram, Facebook, and LinkedIn alongside an educational blog. There is no proprietary AI or machine learning capability disclosed; the platform relies on human account managers and lender network breadth for differentiation.

Hubbe earns revenue through transaction fees on facilitated loans, with no upfront fees charged to borrowers. Pricing is opaque and quote-based, with interest rates and fees determined per application. The company does not disclose revenue figures, headcount, funding history, or ownership structure, and operates as a privately held bootstrapped entity with no disclosed management team or external investors. Its competitive positioning rests on speed of approval (often within 24 hours), inclusive lending criteria, a broad product portfolio, and dedicated account managers guiding applicants through the process.

Name

Hubbe Pty Ltd.

Legal name

Hubbe Pty Ltd

Website

https://hubbe.com.au

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Hubbe is an Australian business finance marketplace that brokers connections between small businesses and a network of lenders, offering twelve loan products from $5K to $5M across all Australian states.

Ownership category

akta.pro rank

Product category

Business Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industry

Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ)

Keywords

• Business loan marketplace
• Small business lending
• Loan broker services
• Commercial finance solutions
• Alternative business finance

Headquarters

HQ city

Avenue

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Facilitation/Brokerage: Hubbe acts as a business loans facilitator and marketplace, connecting borrowers with lenders across Australia. They earn revenue by facilitating loans between businesses and their network of lenders. The platform charges no upfront fees to borrowers (free to apply, no obligation).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Hubbe operates as a business loan marketplace and facilitator in Australia, connecting small and medium businesses with a network of third-party lenders. The platform offers 12 distinct loan products — unsecured business loans, secured business loans, merchant cash advances, equipment financing, business lines of credit, vehicle loans, invoice finance, commercial loans, construction loans, mezzanine financing, and property development loans — with funding ranging from $5,000 to $5,000,000. Applications are free with no obligation, and Hubbe earns revenue via transaction-based fees from lenders rather than charging borrowers directly.

Product overview

Hubbe is Australia's #1 marketplace for business finance solutions, operating as a business loans broker that connects small and medium enterprises with a network of trusted lenders. The platform offers a comprehensive suite of 12 distinct loan products including unsecured business loans, secured business loans, merchant cash advances, equipment financing, business lines of credit, vehicle loans, invoice finance, commercial loans, construction loans, mezzanine financing, and property development loans. Funding amounts range from $5,000 to $5,000,000 depending on the product, with features like fast approval (often within 24 hours), no credit checks for certain products, early repayment discounts of up to 65%, and flexible repayment terms typically spanning 3-12 months. The portfolio includes both short-term quick-access financing and long-term commercial solutions up to 25 years, serving various industries including hospitality, retail, trades, healthcare, construction, and logistics.

Differentiator

Problem solved

Functional benefit

Products and services

• Unsecured Business Loans Flexible funding solution for businesses needing capital without leveraging physical assets, approved based on revenue, cash flow, and trading history rather than collateral. Offers funding from $5,000 to $750,000 with repayment terms of 3 to 12 months.
• Secured Business Loans Multipurpose business loans secured with collateral (property, inventory, or accounts receivable) offering lower interest rates and higher borrowing limits. Funding ranges from $30,000 to $5,000,000 with loan terms of 3–12 months and up to 80% LVR.
• Merchant Cash Advance Business funding where companies receive a lump sum in exchange for a percentage of future credit and debit card sales. Repayments adjust with daily sales, ideal for retail stores and restaurants. Funding from $5,000 to $5,000,000 with quick approval possible within 24 hours.
• Equipment Financing Financing solution for acquiring business essentials such as plant items, office and IT equipment, software, and POS systems. Funding from $5,000 to $5,000,000 with loan terms of 3 to 5 years and approval in 3–12 hours.
• Business Line of Credit Flexible financing allowing businesses to borrow money up to a certain limit as needed, with repeated borrowing and repayment capability. Access funds from $5,000 to $750,000 with interest charged only on the amount used and approval in 3–24 hours.
• Business Vehicle Loans Vehicle financing for purchasing, upgrading, or refinancing vehicles used for business purposes. Funding from $20,000 up to $5,000,000 with loan terms of 3 to 12 months.
• Invoice Finance Cash flow solution allowing businesses to access money tied up in unpaid customer invoices. Finance providers advance 80–90% of invoice value upfront, with the remaining balance paid minus a fee once the customer pays. Approval as fast as 3–12 hours.
• Commercial Business Loans Tailored commercial loans suitable for property development, new space acquisition, equipment purchase, or working capital needs. Features include no annual reviews, minimal paperwork, and terms up to 25 years.
• Construction Loans Non-bank, low-documentation construction financing for developers funding new builds, renovations, or equipment upgrades. Offers flexible repayment options and large loan amounts for substantial development projects.
• Mezzanine Financing Hybrid financing option combining debt and equity, positioned between bank loans and selling ownership shares. Ideal for real estate and property developers needing additional capital without significant equity dilution.
• Property Development Loans Finance solutions for land purchases, planning, and full-scale property developments. Covers residential, commercial, or mixed-use property developments with flexible loan amounts and structured repayment options.
• Small Business Loans (umbrella lending platform) Comprehensive small business funding platform connecting Australian businesses with trusted lenders across multiple loan types. Loans range from $5,000 to $5,000,000 with same-day funding options and zero credit checks for eligible applicants.

Quantifiable outcome

• Funding approval decisions in as little as 3-24 hours
• +4 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Lendeed: Australian SMB invoice financing platform that provides working capital against receivables — directly comparable to Hubbe's Invoice Finance product line.

Direct peers

• Prospa: Australia's leading online small business lender and marketplace. Originally a direct online lender, Prospa expanded into a multi-product SMB finance platform covering unsecured, secured, line-of-credit, and equipment finance — closely matching Hubbe's 12-product broker/facilitator model and SMB target segment.
• Capify: Australian SMB working capital lender providing unsecured business loans, lines of credit, and merchant cash advances to retail, hospitality, and service SMBs — overlapping Hubbe's core unsecured and MCA products and borrower profile.
• Funding.com.au: Australian business loan marketplace comparing lenders and offering secured, unsecured, equipment, and vehicle finance for SMBs — a near-identical broker/aggregator model to Hubbe's.
• Moula: Australia-based online SMB lender offering unsecured business loans and lines of credit, with data-driven underwriting aimed at sub-banked SMBs — competing with Hubbe on the same borrower segment and product types.
• Bizcap: Australian alternative SMB lender offering unsecured business loans and MCA to small businesses, including those with imperfect credit — a direct competitor on Hubbe's product set and target borrower.
• Spotcap Australia: Australian online lender under the Spotcap/Spotle brands providing unsecured business loans and lines of credit to SMBs — competing directly with Hubbe's unsecured and line-of-credit products.
• Joust: Australian business loan marketplace that connects SMBs with lenders across multiple products — closest pure marketplace analog to Hubbe's broker model.
• Valiant Finance: Australian commercial loan brokerage connecting borrowers with a panel of lenders across residential, commercial, and development finance — comparable broker model and SMB/SME target market.

Broad incumbents

• OnDeck Australia: Established Australian online SMB lender (part of the global OnDeck network) providing term loans and lines of credit to small businesses — competing on the same SMB segment with a larger brand and balance sheet.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Hubbe_Business
• Facebookfacebook.com/HubbeBusiness
• LinkedInlinkedin.com/company/hubbe
• Instagraminstagram.com/hubbe_business

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments

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

Frequently asked questions about Hubbe Pty Ltd.