Revive Financial

What Revive Financial does

Revive Financial is an Australian privately held debt management solutions provider operating since 2005, headquartered in Noosa Heads, Queensland. The company delivers a portfolio of structured debt relief products to individuals and small businesses experiencing financial hardship, including Part IX (9) Debt Agreements, Part X (10) Personal Insolvency Agreements, Informal Agreements, a proprietary Revive Temporary Hardship Plan (for unsecured debts under A$8,000), debt consolidation lending, and assisted bankruptcy services. Complementary offerings include business debt solutions, ATO/tax debt management, and short-term lending facilitated through funding partners. The company also refers eligible low-income customers to No Interest Loan Scheme providers.

The business operates on a hybrid professional services and referral/affiliate revenue model. Customers access the company through a digital-first direct-to-consumer funnel anchored by a free 5-step online eligibility assessment (solutions.revivefinancial.com.au), with Personal Success Specialists handling creditor negotiations once a customer enters a formal debt solution. Revenue is generated through professional fees on debt solutions and commissions from referral partners for refinance/lending placements. The technology stack is standard SaaS: HubSpot CRM, Microsoft Applications, AWS (East US Virginia) for call recording, GCP Frankfurt for CRM data, and Google Analytics for site traffic. Identity verification uses RapidID via the Australian Government's Document Verification Service gateway, with Equifax as the chosen Credit Reporting Body. The corporate group operates through multiple wholly-owned subsidiaries each holding specific Australian Credit Licences (ACL 503321), a Registered Debt Agreement Administrator registration (RDAA 1337), and AFSA/AFCA memberships, enabling regulated activity across personal insolvency, debt agreements, and payment arrangements.

Revive Financial has assisted more than 40,000 individuals and negotiated over A$500 million in debt since inception, claiming an average 60% debt reduction for customers. Service is delivered Australia-wide with no physical retail footprint. Leadership is dominated by Chartered Accountants, including Founder, Chairman & CEO Craig Francis (also identified in a separate input as "Shane Edwards" with conflicting founder attribution — treated as a data conflict), COO Brett Gavin, and Head of Personal Advisory & Insolvency Richard Moretti (nearly 30 years of insolvency experience, previously at PPB Advisory and SV Partners). The business is bootstrapped with no disclosed external funding.

Name

Revive Financial

Legal name

Revive Financial Group Pty Ltd ACN 632 845 124

Website

https://revivefinancial.com.au

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

Revive Financial is an Australian privately held debt management solutions provider, founded 2005 and headquartered in Noosa Heads, serving individuals and small businesses experiencing financial hardship with regulated debt agreements, insolvency arrangements, and consolidation lending.

Ownership category

akta.pro rank

Product category

Consumer Debt Management Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Bankruptcy, Insolvency & Restructuring Servicing (Consumer) (FSAKAJAK)

akta.pro secondary industries

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)

Keywords

• Debt management solutions
• Debt consolidation services
• Personal insolvency agreements
• Financial hardship assistance
• Credit negotiation services

Headquarters

HQ city

Noosa Heads

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Professional Fees for Debt Solutions: Revive Financial charges professional fees for its debt management solutions. The company assesses customers' financial situations for free and clearly explains all costs associated with their solutions. Fee structure is tailored to the type of agreement and complexity of the customer's situation.
2. Referral Commissions: The company receives commissions from referral partners when customers choose refinance options. Credit contracts typically describe referral fees and commissions paid by lenders.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Revive Financial provides Australian debt management solutions for individuals and small businesses, including Part IX (9) Debt Agreements, Informal Agreements, Part X (10) Personal Insolvency Agreements, Temporary Hardship Plans, debt consolidation loans, and bankruptcy services. The company consolidates multiple unsecured debts into one manageable repayment, negotiates reduced balances with creditors, freezes interest and fees, and provides legal protection from creditor pursuit. A 5-step online eligibility assessment and dedicated Personal Success Specialists guide customers through tailored debt relief solutions.

Product overview

Revive Financial is an Australian debt management solutions provider offering a portfolio of structured debt relief products for individuals and businesses. The core offering consists of Part IX (9) Debt Agreements, Informal Agreements, Part X (10) Personal Insolvency Agreements, the Revive Temporary Hardship Plan, Debt Consolidation, and Bankruptcy Services — each addressing different debt levels, asset situations, and severity of financial hardship. Complementary financial products include Lending Solutions and Tax & ATO Debt Management. The service is supported by a digital toolkit comprising an Online Assessment Form, a 5-step eligibility and repayment estimator, and a Budgeting Calculator. A Refer a Friend Program incentivises customer advocacy. The company also provides Business Debt Solutions for sole traders, subcontractors, and directors, positioning itself as a one-stop provider across the debt resolution lifecycle.

Differentiator

Problem solved

Functional benefit

Products and services

• Part IX (9) Debt Agreement

Quantifiable outcome

• 60% average debt reduction
• +3 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• Business Reset Pty LtdcoreChannel Partner/ Reseller/ DistributorBusiness Reset Pty Ltd is a referral partner for corporate insolvency services. Services accessed via the Revive Financial website for corporate insolvency are provided by Business Reset Pty Ltd, which is not a subsidiary or related entity of Revive Financial Group Pty Ltd. Business Reset Pty Ltd is independently owned and responsible for its own acts and omissions.
• RapidID (Document Verification Service Provider)supportingTechnology or IntegrationRapidID is used as a Document Verification Service (DVS) gateway service provider to verify customer identity in accordance with the Identity Verification Services Act 2023 (Cth). Customer personal information is checked with the document issuer or official record holder via the DVS gateway for identity confirmation purposes only.
• EquifaxcoreTechnology or IntegrationEquifax Pty Ltd is Revive Financial's chosen Credit Reporting Body (CRB) for sharing credit related information. Revive discloses personal credit related information to Equifax and collects credit related information from Equifax for purposes including assessing credit applications, debt management, and debt recovery.
• Microsoft ApplicationssupportingTechnology or IntegrationMicrosoft Applications are used for data handling and storage in Australia and Asia locations. Microsoft cloud infrastructure supports Revive Financial's operational technology stack.
• HubSpotsupportingTechnology or IntegrationHubSpot CRM platform is used for customer relationship management, with data stored in AWS East US and GCP Frankfurt Germany data centers.
• AWS (Amazon Web Services)supportingTechnology or IntegrationAmazon Web Services provides cloud infrastructure for Revive Financial's call recordings (AWS East US Virginia) and HubSpot data storage (AWS East US).
• GooglesupportingTechnology or IntegrationGoogle Analytics is used to analyze website usage and performance. Google AdSense may be used for interest-based advertising tailored to user interests.
• No Interest Loan Scheme (NILS) ProviderssupportingChannel Partner/ Reseller/ DistributorRevive Financial refers eligible low-income customers to No Interest Loan Scheme providers including Good Shepherd and The Salvation Army for essential goods and services loans up to $3,000.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Regional players

• StepChange Debt Charity: UK-based debt advice charity operating an equivalent free debt advice and Debt Management Plan model; comparable in operating approach (assessment, DMP setup, creditor negotiation) though serving the UK market rather than Australia.

Direct peers

• SV Partners: Australian insolvency and restructuring practice employing registered trustees and administrators; directly comparable as a competing provider of Personal Insolvency Agreements and formal debt administration (also a prior employer of Revive's Head of Personal Advisory & Insolvency).
• Fox Symes: Long-standing Australian debt solutions and personal insolvency administrator; competes directly with Revive in Part IX Debt Agreements, Part X Personal Insolvency Agreements, and informal debt negotiations for Australian consumers in hardship.
• Worrells: Australian insolvency, restructuring and debt advisory firm offering Part IX/X services and personal debt solutions to individuals and small businesses, overlapping with Revive's core Australian consumer insolvency offering.
• Debt Busters: Australian debt management and consolidation firm providing Part 9 Debt Agreements, informal arrangements and hardship plans to consumers; directly comparable on products, customer segments and digital assessment funnel.
• TFP Solutions Australia: Australian consumer debt solution provider offering Part 9 Debt Agreements, Part 10 Personal Insolvency Agreements and hardship arrangements; directly overlapping with Revive's core product suite and target customer.
• Catalyst Finance / Money Mentor Group: Australian debt solutions and credit advisory operator offering debt agreements, budgeting support and consolidation services to financially stressed consumers, comparable in segment and product breadth.

Emerging players

• Credit Repair Australia: Australian credit-repair and debt-resolution service provider focused on consumer credit issues and default removals; partial overlap with Revive's credit-score-issue customer segment and hardship customer base.

Broad incumbents

• PPB Advisory: Larger specialist advisory and restructuring firm (now part of FTI Consulting) offering formal insolvency appointments and restructuring services across Australia; competes for higher-complexity personal insolvency work and is a former employer of Revive's senior insolvency lead.

Others

• National Debt Helpline: Australian government-funded free debt counselling service; competes as a no-cost alternative at the top of the funnel, particularly for low-complexity cases that Revive's smallest products would otherwise serve.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/revivefinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 records

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 Revive Financial