Finlease

What Finlease does

Finlease is an Australian equipment and vehicle finance broker founded in 1989-1990 by Mark O'Donoghue and headquartered in North Sydney. The company operates as Finlease (Australia) Pty Ltd under Australian Credit Licence 390584, with 18 offices across Australia staffed by 30+ brokers and serving 10,000+ businesses over its history. Finlease does not lend its own capital; instead, it acts as an intermediary connecting borrowers with a panel of 40+ lenders, earning transaction commissions on funded loans. The company has facilitated over $1 billion in loans annually and 90,000+ loans cumulatively, with strong client retention evidenced by 75% repeat business and 65% referral-sourced new clients.

The core product offering spans equipment finance (civil construction, manufacturing, commercial, healthcare), vehicle finance (cars, trucks, trailers, buses, aviation), business finance (overdraft alternatives, debtor/invoice finance, insurance premium funding), and property finance. The technology platform is a conventional brokerage website featuring over 10 specialized calculators (equipment loan, vehicle loan, truck loan, chattel mortgage, construction equipment, gym equipment, true interest rate comparison), a fast-track online quote application, and a partner portal for technology vendors. Sub-brands include Finlease Technology and Finrent, focusing on IT, medical, and renewable energy equipment finance. Distribution channels include direct broker sales, online quote requests, mortgage broker referral partnerships, and a partnership with Car Select providing access to 1,300+ dealerships.

The business model is commission-based transaction brokerage: Finlease matches client finance needs to suitable lenders from its panel and earns a commission per funded loan. There is no balance sheet risk, no direct lending exposure, and revenue scales linearly with loan volume and average ticket size. The company is privately held, founder-owned, with no external equity investment, and operates as a single legal entity across Australia with no international footprint. Customer segments are predominantly SMBs including sole traders, new businesses, scale-ups, and established businesses in verticals such as construction, transport, manufacturing, healthcare, and technology.

Name

Finlease

Legal name

Finlease (Australia) Pty Ltd

Website

https://finlease.com.au

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

Finlease is an Australian equipment and vehicle finance broker founded in 1989, connecting SMB borrowers across construction, transport, manufacturing, and healthcare with 40+ lenders through 18 offices and 30+ brokers nationwide.

Ownership category

akta.pro rank

Product category

Equipment and Vehicle Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Equipment finance brokerage
• Vehicle finance solutions
• Commercial lending services
• Chattel mortgage brokerage
• Business loan broker

Headquarters

HQ city

North Sydney

HQ country

Australia

HQ region

Oceania

Offices14 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Finance Brokerage: Facilitating equipment finance (civil construction, manufacturing, commercial, healthcare equipment) through a network of 40+ lenders. Earns commissions from lenders for successful loan placements.
2. Vehicle Finance Brokerage: Arranging car loans, truck finance, trailer finance, and aviation finance through panel of lenders. Revenue from lender commissions on funded loans.
3. Business Finance: Business overdraft alternatives, debt restructuring, insurance premium funding, debtor & invoice finance. Working capital facilities for suppliers.
4. Property Finance: Commercial and residential property finance facilitation.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Finlease is a finance brokerage that arranges equipment finance, vehicle finance, commercial/manufacturing/healthcare/technology equipment finance, business finance, and property finance for Australian businesses. The company operates through a network of 30+ brokers across 18 offices, accessing 40+ lenders to source competitive finance solutions including chattel mortgages, finance leases, operating leases, low doc loans, and working capital facilities. Revenue is earned via commissions from lenders for successful loan placements.

Product overview

Finlease is an Australian equipment and vehicle finance broker offering a platform of financial products and online calculators. The core offering consists of equipment finance, vehicle finance (cars, trucks, trailers, buses, aviation), commercial equipment financing, manufacturing equipment finance, healthcare equipment finance, technology equipment finance, business finance, and property finance. The platform includes multiple specialized calculators (equipment loan, vehicle loan, truck loan, business loan, chattel mortgage, construction equipment, car balloon repayment, gym equipment, and true interest rate calculators) that help customers estimate repayments. Additional products include Low Doc Loans for streamlined approval, Working Capital Facilities for supplier financing, a Partner Portal for technology vendors, and referral programs for mortgage brokers. Finlease serves businesses across Australia with access to 40+ lenders and 18 offices nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• Finlease Technology: Specialized technology and IT equipment finance division of Finlease
• Finrent

Products and services

• Car Finance
• Truck Finance Financing solutions for trucks and heavy commercial vehicles, arranged through a panel of lenders for Australian transport, logistics, and trade businesses.
• Trailer Finance Finance solutions for commercial trailers arranged through Finlease's lender network for transport and logistics businesses.
• Bus & Coach Finance Financing for buses and coaches for transport businesses, arranged through Finlease's panel of lenders.
• Aviation Finance Finance solutions for aircraft and aviation equipment, arranged through specialist lenders in Finlease's network.
• Civil Construction Equipment Finance Equipment financing for civil construction, including concrete pumps, cranes, drilling rigs, earthmoving machinery, quarry, road-making, and waste/recycling equipment. Arranged through Finlease's broker network for Australian construction companies.
• Commercial Equipment Finance Finance for commercial equipment including access equipment, forklifts, hospitality, laundry, forestry, mining, rail, arborist, and landscaping equipment, arranged through Finlease's lender panel.
• Manufacturing Equipment Finance Financing for manufacturing equipment including engineering, packaging, plastic moulding, printing, sheetmetal, woodworking, and laboratory equipment, arranged through Finlease's lender network.
• Healthcare Equipment Finance Finance for healthcare equipment including dental, gym, medical, salon/beauty, and veterinary equipment, arranged through Finlease's panel of lenders for healthcare and wellness businesses.
• Technology Equipment Finance Financing for technology equipment for businesses, education, and renewable energy sectors, including a partner portal for technology vendors. Offered through the Finlease Technology / Finrent division.
• Business Finance Business financing solutions including overdraft alternatives, debt restructuring, insurance premium funding, debtor/invoice finance, and banking solutions, arranged through Finlease's broker network.
• Property Finance Finance for commercial and residential property acquisitions, arranged through Finlease's panel of lenders for business owners and property investors.
• Low Doc Equipment Finance Low documentation equipment loans designed for business owners requiring quick approval without detailed financials. Eligibility includes 2+ years ABN registration, property ownership, and clear credit history. 80% of loans are approved without financials required.
• Working Capital Facility Pre-approved working capital overdraft facility for businesses to fund inventory, pay suppliers upfront, or fulfill contracts without using home equity as security. Interest accrues only on drawn amount, with example cost of $1,400-$2,000 for a 30-day draw on a $100,000 facility.

Quantifiable outcome

• 80% of loans approved with no financials required
• +4 more outcomes

Named customers13 records

Segments12 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Car SelectcoreGTM or Marketing PartnerPartnership with Car Select car-buying service provides clients access to over 1,300 dealerships nationwide. Car Select handles vehicle sourcing and price negotiation while Finlease provides financing. Streamlines the car-buying and finance process for clients.
• Mortgage BrokersminorChannel Partner/ Reseller/ DistributorReferral partnership program where mortgage brokers refer clients needing equipment finance to Finlease. Brokers send name and phone number, Finlease handles the equipment finance application and keeps the referring broker informed at each stage.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Leasechoice: Australian equipment and vehicle finance broker offering chattel mortgages, finance leases, and operating leases across multiple asset classes. Closely mirrors Finlease's broker model, lender panel approach, and SMB target segment, and competes head-to-head for similar commercial equipment transactions in Australia.
• Stratton Finance: Australian broker specializing in car, truck, caravan, and equipment finance through a multi-lender panel. Highly comparable to Finlease on vehicle finance specifically and competes directly in the same SMB personal-and-business vehicle market across Australia.
• Jade Equipment Finance: Australian equipment finance broker focused on commercial equipment and machinery across construction, transport, and industrial verticals. Directly comparable to Finlease on broker-led equipment origination, lender-panel breadth, and Australia-wide SMB customer base.
• AssetLink Capital: Australian equipment and asset finance broker providing finance for trucks, yellow goods, plant, and commercial equipment via a multi-lender network. Peer to Finlease on deal sourcing, broker-led fulfillment, and equipment-vertical specialization for SMB customers.
• Capital Finance Australia: Australian finance broker arranging equipment, vehicle, and commercial finance through a network of lenders. Comparable to Finlease on the multi-lender broker model and SME equipment-finance focus in the Australian market.

Broad incumbents

• Liberty Financial: Established Australian non-bank lender with asset finance, motor finance, and personal lending. Overlaps with Finlease on vehicle and equipment finance but operates with owned-balance-sheet lending and broader consumer/SMB product set.
• Pepper Money: Australian non-bank lender offering asset finance, business lending, and consumer credit through broker and direct channels. Adjacent competitor to Finlease for SME customers seeking equipment or working-capital finance via intermediated channels.
• Plenti: Australian specialist lender in asset finance, renewable energy finance, and automotive lending. Comparable to Finlease on vehicle/equipment finance but lends on its own balance sheet via a digital platform and broker network.
• Prospa: Australian online small-business lender providing working capital, term loans, and lines of credit. Adjacent to Finlease's business finance and working capital offerings for SMBs needing working-capital facilities and overdraft alternatives.

Emerging players

• MoneyPlace: Australian digital consumer-and-SMB credit marketplace/lender. Less directly comparable but operates in the same Australian intermediated credit ecosystem targeting thin-file borrowers, partially overlapping with Finlease's low-doc offering philosophy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/finleaseaustralia
• LinkedInau.linkedin.com/company/finlease
• Instagraminstagram.com/finlease

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

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 Finlease