WLTH

What WLTH does

WLTH is an Australian non-bank lender and digital fintech platform headquartered in Fortitude Valley, Queensland, founded in 2018 (with commercial launch in September 2020). It offers residential, SMSF, and commercial home loans distributed through a dual-channel model combining direct digital origination via its website and proprietary Lending Loop application system with a broker network that reached 1,600 brokers via the November 2022 Specialist Finance Group aggregator partnership. Lending rates are publicly disclosed (e.g., residential variable from 6.29% P.A., SMSF variable at 7.09% P.A.) and the loan book exceeded $1.5 billion following the November 2023 acquisition of Mortgage Mart of Australia for over $10 million.

The company's product platform centres on the WLTH Customer Portal, a consolidated dashboard introduced in 2022 that ties together WLTH Lend (home loans), WLTH Pay (a business payments platform currently on waitlist, with XERO and MYOB integration and corporate cards), the WLTH Parley Ocean Card (Australia's first recycled ocean plastic Visa debit card, produced with G+D and Parley for the Oceans), and a planned WLTH+ loyalty program. Underlying technology includes the Lending Loop proprietary application system (originating loans in 24 hours via a 15-minute application) and a Boomi iPaaS integration layer. WLTH holds Australian Credit Licence and Australian Financial Services Licence No. 525 752.

WLTH generates revenue primarily through net interest income on its $1.5 billion-plus loan book, supplemented by transaction-based fees on WLTH Pay (pre-launch) and planned recurring loyalty revenue from WLTH+. The company has raised approximately $29 million in disclosed funding (seed in December 2021, $15 million Series A in June 2021 alongside a corporate merger with an Australian payments platform, and a $14 million raise in November 2023). Customer segments span residential borrowers, SMSF trustees, specialist borrower personas (essential workers, NDIS investors), small business owners and finance teams, and — following the May 2026 mobile app launch — retail investors outside the USA and UK seeking Pre-IPO and private market access. The company's primary differentiator is its purpose-led ESG positioning through the Parley for the Oceans partnership, with 50m2 of beach cleanup committed per settled loan.

Name

WLTH

Legal name

WLTH Group Pty Ltd

Website

https://wlth.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

WLTH is an Australian digital lender and fintech platform offering residential, SMSF, and commercial home loans, business payments (WLTH Pay), and a mobile app for Pre-IPO investing, distributed via direct digital and a 1,600-broker network anchored by the Specialist Finance Group partnership.

Ownership category

akta.pro rank

Product category

Digital Lending and Payments

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• Digital lending platform
• Business payments solutions
• Home loan lending
• Non-bank mortgage
• Fintech lending services

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Lending/Interest Income: WLTH generates primary revenue through interest income on its loan portfolio, offering residential, SMSF, and commercial lending products with variable and fixed rate options. The company grew its loan book to over $1.5 billion following the Mortgage Mart acquisition.
2. Business Payments (WLTH Pay): Revenue from business payment processing, including expense and payroll payments, with users earning loyalty points and benefits.
3. Loyalty Program (WLTH+): Upcoming loyalty and rewards point program where customers earn points for paying on time and using WLTH services, with redemption across travel, shopping, and experiences.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

WLTH is an Australian fintech operating a digital lending and business payments platform. Its core product, WLTH Lend, provides residential, SMSF, and commercial home loans via a proprietary Lending Loop application system. WLTH Pay delivers business expense, payroll, and corporate card payments integrated with accounting software. All products are unified through a single customer portal, with distribution via direct digital channels and a finance broker network.

Product overview

WLTH is a Queensland-based digital lending and payments fintech offering a platform-plus-modules architecture. Its core products include WLTH Lend (home loan lending platform offering residential, SMSF, and commercial lending) and WLTH Pay (business payments platform). The ecosystem is unified through the WLTH Portal (consolidated customer dashboard), with the WLTH Broker Portal enabling broker distribution. Supporting products include the Parley Ocean Card (recycled ocean plastic Visa debit card) and the WLTH Lending Loop proprietary application system. The roadmap includes WLTH Pay - Personal, WLTH Cashflow Secure, WLTH Payway, and WLTH+ loyalty program. WLTH acquired Mortgage Mart of Australia in November 2023, significantly expanding its loan book.

Differentiator

Problem solved

Functional benefit

Brands

• WLTH x Parley: Sustainable credit card made from upcycled Parley Ocean Plastic in partnership with G+D.
• WLTH+
• WLTH Cashflow Secure
• Lending Loop
• WLTH Portal

Products and services

• WLTH Lend WLTH's core lending platform offering flexible residential, SMSF, and commercial home loans through a five-step application with competitive variable rates (from 6.29% P.A.) and SMSF variable (7.09%) and fixed (7.99%, 3-year) rates. Targets owner-occupiers, investors, and SMSF trustees in Australia seeking faster approvals and flexible criteria without 20% minimum deposit requirements.
• WLTH Pay Business expense and payroll payments platform enabling businesses to pay suppliers, employees, the ATO, and superannuation while earning uncapped loyalty rewards and optimising cash flow with up to 55 days interest-free credit card repayment. Includes corporate cards, team functionality, and native integration with XERO and MYOB AccountRight accounting software. Currently distributed via waitlist to Australian SMBs and finance teams.
• WLTH Parley Ocean Card Visa debit card manufactured from 75% upcycled Parley Ocean Plastic and 5% recycled plastics, with no virgin plastic used in production. The first recycled ocean plastic debit card in Australia, produced in partnership with Giesecke+Devrient (G+D) and Parley for the Oceans, and emblematic of WLTH's purpose-led brand positioning.
• Mortgage Mart of Australia Non-bank mortgage lending business acquired by WLTH in November 2023 in a deal worth over $10 million, adding an existing loan portfolio exceeding $1 billion and expanding WLTH's lending capabilities.
• WLTH Mobile App Mobile application on iOS and Android enabling retail investors outside the USA and UK to access curated Pre-IPO and private market investment opportunities with contextual information and simplified purchase processes. Co-founded positioning emphasises transparency, accessibility, and financial inclusion.

Quantifiable outcome

• Loan approvals in 24 hours via Lending Loop
• +3 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• Specialist Finance GroupcoreChannel Partner/ Reseller/ Distributor · 1 November 2022First aggregator in Australia to add WLTH to their lender panel, giving 1,600 brokers access to WLTH lending products. Announced November 2022 as part of WLTH's strategy to expand broker network reach.
• BoomicoreTechnology or Integration · 1 March 2022Integration partnership using Boomi iPaaS platform to help support WLTH's rapid expansion plans. Boomi innovation award received for Single Customer Portal.
• Australia SailGP TeamflagshipStrategic or Co-development Partner · 1 February 2022Impact partnership converting race results into beach cleanups. Impact per race: 1st place 500m2, 2nd place 300m2, 3rd place 200m2, any other position 100m2. Impact per final: 1st place 1500m2, 2nd place 1000m2, 3rd place 500m2. Total contribution of 33,000m2 since Season 3 conclusion.
• Parley for the OceansflagshipStrategic or Co-development Partner · 1 April 2021Global environmental partnership announced in April 2021. WLTH is Parley's first Australian partner. For every home loan settled, WLTH assists Parley teams to clean up 50m2 of beach or coastline. Partnership includes creation of the first recycled Ocean Plastic Visa debit card in Australia. Includes beach cleanup voyages to Whitsundays, Cape Bedford, and Sydney. Total coastline cleanup contribution of 33,000m2 since SailGP Season 3 conclusion.
• Giesecke+Devrient (G+D)coreOEM/ Whitelabel/ Licensing Partner · 1 April 2021Major payment card manufacturer partnership for the WLTH Parley Ocean Card. G+D manufactured Australia's first recycled ocean plastic Visa debit card made from upcycled Parley Ocean Plastic. Card contains 75% upcycled ocean plastic, 5% recycled plastics, and 20% functional components. Zero virgin plastic used in card production.
• XEROcoreTechnology or IntegrationAccounting software integration enabling users to import single files or ABA/CSV batch files for payment efficiency in WLTH Pay business payments platform.
• MYOB AccountRightcoreTechnology or IntegrationAccounting software integration enabling users to import single files or ABA/CSV batch files for payment efficiency in WLTH Pay business payments platform.

Scale indicators9 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Prospa: Australian online lender to small businesses, offering loans and lines of credit. Comparable as an Australian fintech lender with a digital application flow and SMB focus, though its core is unsecured small-business lending rather than mortgages.
• Pleo: European-headquartered business payments and expense management platform with XERO/MYOB integrations. Comparable to WLTH Pay on corporate cards, expense management, and accounting software interoperability for SMB finance teams.
• Up: Australian digital challenger bank offering everyday spending, savings, and payments via mobile. Comparable as an Australian multi-product fintech ecosystem targeting consumer and SMB customers with integrated payments.
• Tyro Payments: Australian payments provider offering EFTPOS and business banking solutions. Comparable to WLTH Pay's focus on business payment processing and SMB cash flow management in Australia.

Direct peers

• Joust: Australian broker marketplace connecting borrowers with lenders including non-bank lenders. Comparable as a channel-overlap competitor targeting the same residential and SMSF borrower segments through broker networks.
• Nano Home Loans: Australian digital home loan lender distributing through mortgage brokers. Closely comparable to WLTH on dual-channel distribution (direct + broker) and SMSF/residential loan focus.
• Athena Home Loans: Australian digital residential mortgage lender offering variable and fixed home loans with a fully online application flow. Directly competes with WLTH Lend for the same residential and refinance borrower segments in Australia.
• Tic:Toc: Australian digital mortgage lender providing instant online home loan approvals and competitive rates. Comparable to WLTH on speed-of-decision (24-hour approvals), digital-first borrower experience, and Australian residential/refinance market focus.

Regional players

• Wisr: Australian non-bank lender focused on personal loans and credit-building products. Comparable as a regional Australian fintech lender competing for consumer credit share, with overlapping digital lending capabilities.

Emerging players

• Zeller: Australian SMB-focused payments and banking platform offering EFTPOS, accounts, and cards. Comparable to WLTH Pay on the Australian business payments opportunity with integrated accounting and expense workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/wlth
• Instagraminstagram.com/wlth_official
• Xx.com/wlthmoney
• Facebookfacebook.com/wlthmoney

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors2 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 WLTH