funding.com.au
Funding.com.au is an Australian online lending marketplace originating short-term, property-secured bridging, business, and building loans, and operating managed investment trusts that let retail and wholesale investors fund those loans, distributing through direct channels and a national broker network.
- Company typePrivate
- Founded2015
- HeadquartersSurfers Paradise, Australia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What funding.com.au does
Funding.com.au is an Australian online lending marketplace that originates short-term, property-secured loans — primarily bridging loans, business loans, and building/construction loans — and operates two managed investment trusts that allow retail and wholesale investors to fund those loans. The company was founded in 2015 and is headquartered in Surfers Paradise, Queensland, where its credit team underwrites deals through a centralized process that delivers conditional approval within four business hours and settlement in as little as three days. The technology stack consists of a broker portal for deal submission and tracking, a direct online application portal for borrowers, and a self-serve investor portal for managing fund holdings; underwriting decisions are made by the in-house credit team rather than automated models.
The business operates a dual-sided model. On the lending side, Funding earns interest income on its loan book plus transactional fees including a 2.5% establishment fee (minimum $2,500), legal fees from $1,500, valuation fees at cost, and a 1% broker commission passed through from the lender. On the investment side, the Funding Income Trust (wholesale) and Funding Investment Trust (retail) deploy investor capital into first mortgages, targeting returns of 5–9% p.a. Since inception, the company reports more than $1.5bn lent across 2,100+ loans with zero capital losses, and 5,700+ investors on the platform. Distribution combines direct-to-consumer online channels with an accredited broker network supported by a nationwide BDM team and aggregator relationships across Australia. The company holds Australian Credit Licence 483665 and operates AFSL 523247 via a related entity (Funding Capital Pty Ltd) for its managed investment schemes.
funding.com.au firmographics
Firmographics- Name
- funding.com.au
- Legal name
- Funding.com.au Pty Ltd
- Website
- https://funding.com.au
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Funding.com.au is an Australian online lending marketplace originating short-term, property-secured bridging, business, and building loans, and operating managed investment trusts that let retail and wholesale investors fund those loans, distributing through direct channels and a national broker network.
- Ownership category
- akta.pro rank
funding.com.au industry classification
Industry- Product category
- Alternative Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)
- akta.pro secondary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
Keywords
Where funding.com.au is headquartered
LocationHeadquarters
- HQ city
- Surfers Paradise
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
funding.com.au business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income on Loans: Interest charged on bridging loans, business loans, and building loans. Interest for the first loan is deducted at settlement. Interest rates vary on credit assessment.
- Loan Fees: Establishment fee of 2.5%, legal fee from $1,500 + GST and outlays, valuation fee at cost, commitment fee for cost of valuation and up-front searches. Minimum establishment fee $2,500.
- Brokerage Fees: Brokerage fees paid by borrower when mandated. Commission of 1% paid by the lender including GST.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Funding Income Trust - 6-month term targeting 8.25% p.a. returns |
| Subscription | Annual | Funding Income Trust - 12-month term targeting 8.75% p.a. returns |
| Transaction based/ take rate | Pay-as-you-go | Bridging and Business Loans - Interest and fees |
| Subscription | Pay-as-you-go | Investment Trust - Minimum $5,000 investment |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
funding.com.au product offering
Product offeringCore offering
funding.com.au operates an online lending marketplace that provides short-term, property-secured loans (bridging, business, and building loans) to borrowers, while simultaneously pooling investor capital through managed mortgage investment trusts to fund those loans. The platform connects borrowers seeking fast property-backed finance with retail and wholesale investors seeking first-mortgage-backed returns, executing loans of $25k to $15m with conditional approval within 4 hours and 3-day settlement.
Product overview
Funding.com.au operates as a unified financial platform offering two interconnected service lines: borrowing products and investment products. The borrowing division provides short-term secured lending solutions comprising Bridging Loans (core product for property transaction gaps), Business Loans (for commercial and investment purposes), and Building Loans (for construction and renovation projects), supported by sub-products like Land Loans and Equity Cash-Out Loans. The investment division manages two mortgage investment funds: the retail Funding Investment Trust (minimum $5,000, targeting 5-9% returns) and the wholesale Funding Income Trust (offering 6-month and 12-month terms targeting 8.25-8.75% returns). All products are accessible through online portals for borrowers, investors, and accredited brokers, with a focus on fast approvals (within 4 hours conditional) and 3-day settlements.
Differentiator
Problem solved
Functional benefit
Brands
- Funding Investment Trust: Retail fund allowing investment in first mortgages with a minimum of $5,000
- Funding Income Trust
Products and services
- Bridging Loans Short-term secured loans enabling property buyers to bridge the gap between purchasing a new property and selling an existing one, with fast approvals and flexible terms up to 36 months. Targeted at individual property buyers, upsizers, downsizers, and investors.
- Business Loans Flexible short-term finance solutions for business growth, investment use, or urgent business capital needs, including SMSF warehouse purchases and property acquisitions. Targeted at small business owners.
- Building Loans Construction financing for residential and commercial builds, renovations, and incomplete projects with quick approvals and upfront drawdowns. Targeted at owner builders, renovators, and property developers.
- Land Loans Tailored funding for land acquisition and strategic holding, covering single lots to development sites including vacant land and land banking facilities.
- Equity Cash-Out Loans Structured lending to unlock property equity for cash-out purposes including personal, business, or investment use, debt consolidation, and short-term liquidity.
- Funding Investment Trust Retail managed investment scheme allowing investors to invest in first mortgages with a minimum investment of $5,000, targeting 5-9% p.a. returns. Targeted at retail investors.
- Funding Income Trust Wholesale managed fund offering two term options (6-month targeting 8.25% p.a. and 12-month targeting 8.75% p.a.) for wholesale and sophisticated investors seeking stable income and capital preservation through a diversified pool of mortgages.
- Broker Portal Online broker portal for accredited brokers to submit loan scenarios, track deals, receive same-day conditional approvals, and manage commission payments. Targeted at accredited mortgage brokers and aggregators.
- Investor Portal Online investor portal for managing investments, viewing portfolio performance, and accessing account information. Targeted at retail and wholesale investors in the Funding trusts.
- Bridging Loan Calculator Online calculator tool to help borrowers calculate their borrowing power for bridging loan scenarios.
Quantifiable outcome
- Conditional approval within 4 hours during business hours
- +3 more outcomes
Companies that use funding.com.au
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles5 records
funding.com.au technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
funding.com.au partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Aggregator RelationshipscoreFunding has established aggregator relationships enabling brokers not on their direct panel to work with them. The company works with multiple aggregators in the Australian mortgage broker market.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
funding.com.au competitors and assessment
Company assessmentDirect peers
- Liberty Financial: Established Australian non-bank lender with significant bridging and commercial property finance operations. Highly comparable product overlap (bridging, commercial, building loans) and broker-led GTM, though a much larger incumbent with a broader product portfolio.
- Prospa: Australian online lender to small businesses offering short-term loans and lines of credit. Comparable as a non-bank digital lender using speed and online UX as differentiators versus traditional banks, though focused on unsecured small-business credit rather than property-backed.
- Plenti: Australian marketplace lender (formerly RateSetter Australia) operating a P2P-style platform across automotive, renewable energy, and personal loans. Comparable as a digitally native Australian lending marketplace, though asset classes differ from Funding's property focus.
- SocietyOne: Australian P2P-style consumer lending platform offering personal loans funded by wholesale and retail investors. Comparable as an Australian marketplace lender pairing borrower origination with investor capital raising, though focused on unsecured consumer credit.
- Nano (formerly Nanofinance): Australian specialist short-term lender offering bridging and property-backed loans to SMEs and property investors. Highly comparable on product set (bridging, business, construction), target customer (property investors/developers), and GTM (broker + direct).
Emerging players
- Wisr: Australian consumer fintech offering personal loans and credit-building products. Comparable as a digitally native Australian lender, though focused on unsecured consumer credit rather than property-backed lending.
- Athena Home Loans: Australian digital mortgage lender focused on owner-occupier and investor home loans. Comparable as a fintech-led non-bank lender using technology to compete on speed and pricing, though focused on prime residential mortgages rather than short-term bridging.
Broad incumbents
- Resimac: Large Australian non-bank lender with a broad prime and specialist mortgage book including bridging and SMSF lending. Comparable on product set and broker distribution, though Resimac operates at materially larger scale and across more product lines.
- Pepper Money: Major Australian non-bank lender offering residential, commercial, asset finance, and specialty lending. Overlaps with Funding's commercial and bridging offerings, though Pepper operates at substantially larger scale and is owned by a global parent.
Others
- Lendi Group (including Aussie): Australia's largest mortgage broker group, operating the Lendi and Aussie brands. Comparable as a critical distribution intermediary in the Australian mortgage market, though Lendi is not a lender itself — it funnels customers to competing lenders like Funding.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
funding.com.au social profiles
Digital presencefunding.com.au compliance and trust
Trust signalCompliance2 records
funding.com.au financial estimates
Financial estimateRevenue estimate
Valuation estimate
funding.com.au leadership team
Management profileNumber of profiles
Profiles3 records
funding.com.au funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
funding.com.au 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 funding.com.au
What does funding.com.au do?
funding.com.au operates an online lending marketplace that provides short-term, property-secured loans (bridging, business, and building loans) to borrowers, while simultaneously pooling investor capital through managed mortgage investment trusts to fund those loans. The platform connects borrowers seeking fast property-backed finance with retail and wholesale investors seeking first-mortgage-backed returns, executing loans of $25k to $15m with conditional approval within 4 hours and 3-day settlement.
Is funding.com.au a public or private company?
funding.com.au is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was funding.com.au founded?
funding.com.au was founded in 2015. It employs 11 to 50 people.
Where is funding.com.au based?
funding.com.au is headquartered in Surfers Paradise, Australia, in the Oceania region.
How does funding.com.au make money?
Three revenue lines are on record. Interest Income on Loans are the primary driver. The others are loan Fees and brokerage Fees.
Who are funding.com.au's main competitors?
Direct peers on record are Liberty Financial, Prospa, Plenti, SocietyOne and Nano (formerly Nanofinance). Emerging players are Wisr and Athena Home Loans. Broad incumbents are Resimac and Pepper Money. Lendi Group (including Aussie) is listed as an others.
Does funding.com.au have an API?
No public API is recorded for funding.com.au.
What industry is funding.com.au in?
funding.com.au's product category is Alternative Lending. Its primary akta.pro industry code is FSAKAHAG, Real Estate / Property-Backed Marketplace Lending (Non-mortgage), with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 522310 and its SIC code is 6162.