beCarWise
beCarWise is an Australian novated leasing intermediary that arranges salary-packaged vehicle leases between employees, employers, and financiers, bundling running costs into single pre-tax deductions. It serves employers and employees across government, healthcare, and enterprise sectors, and merged with Paywise in 2025.
- Company typePrivate
- Founded2012
- HeadquartersChatswood, Australia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What beCarWise does
beCarWise (legal entity beInformed Group Pty Ltd, ACN 154 478 725) is an Australian novated leasing and salary packaging intermediary founded in 2012 and headquartered in Chatswood, NSW. The company's core product is a three-way novated lease arrangement between an employee, employer, and financier, allowing employees to lease vehicles and bundle running costs (fuel, registration, insurance, servicing, tyres, roadside assistance) into a single pre-tax salary deduction. The underlying technology is a novated lease administration platform with an online savings calculator, client portal (now the Paywise Member Portal post-merger), and the Paywise App for self-service lease management. The company also offers complementary finance products (car loans, chattel mortgage, finance lease), insurance (comprehensive and lease protection via Adica), EV/PHEV leasing leveraging FBT exemptions, a car buying service using fleet discounts, fuel cards, and roadside assistance.
The business model operates across three revenue streams: managed services revenue from arranging and administering novated lease finance agreements; subscription/recurring revenue from bundled running cost management; and transaction fees from vehicle procurement leveraging fleet discounts. Go-to-market is sales-led via dedicated account managers assigned to employer partnerships across government, healthcare, and enterprise segments, supplemented by inside sales, a digital presence (SEO, content, social), referral programs ($300-$500 Prezzee gift cards), and earned media (AFR coverage). Customer segments include private and government employees (most earning $80,000-$90,000, with 70% under $115,000), employers seeking no-cost employee benefits, and EV/PHEV buyers. Pricing is quote-based, hybrid in structure, and billed monthly. In 2025, beCarWise merged with Paywise (an incumbent salary packaging provider operating since 1989) and now operates under the Paywise brand.
beCarWise firmographics
Firmographics- Name
- beCarWise
- Legal name
- beInformed Group Pty Ltd
- Website
- https://becarwise.com.au
- Company type
- Private
- Founded year
- 2012
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- beCarWise is an Australian novated leasing intermediary that arranges salary-packaged vehicle leases between employees, employers, and financiers, bundling running costs into single pre-tax deductions. It serves employers and employees across government, healthcare, and enterprise sectors, and merged with Paywise in 2025.
- Ownership category
- akta.pro rank
beCarWise industry classification
Industry- Product category
- Novated Leasing Services
- NAICS
- Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321), Passenger Car Rental and Leasing (53211)
- SIC
- Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172)
- akta.pro primary industry
- Leasing & Lease Buyout Financing (FSAKADAC)
- akta.pro secondary industries
- Fleet & Commercial Vehicle Finance (FSAKADAE), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)
Keywords
Where beCarWise is headquartered
LocationHeadquarters
- HQ city
- Chatswood
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
beCarWise business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- Novated Lease Financing: Revenue generated from arranging and administering novated lease finance agreements. The company acts as an intermediary between employees, employers, and financiers to facilitate vehicle leasing through salary packaging arrangements.
- Running Cost Management: Bundled management of vehicle running costs including fuel, servicing, tyres, insurance, and registration, consolidated into single salary-deducted payments.
- Vehicle Procurement: Revenue derived from vehicle sourcing and purchasing, leveraging fleet discounts from dealers and manufacturers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | Fully Inclusive Novated Lease Package |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
beCarWise product offering
Product offeringCore offering
beCarWise is an Australian novated leasing and salary packaging company that arranges vehicle finance, running cost management, and related insurance products for employees through their employers. The company sources fleet discounts across vehicle purchase, servicing, tyres, batteries, fuel and insurance, and bundles these with end-to-end lease administration including setup, refinance, transfer, and end-of-lease handling.
Product overview
beCarWise is a novated leasing and salary packaging provider offering a unified platform for vehicle financing and management. The core offering is Novated Leasing, which packages car finance, fuel, insurance, servicing, tyres, and registration into a single pre-tax salary deduction. This is supported by a suite of finance products (Car Loans, Chattel Mortgage, Finance Lease), insurance offerings (Comprehensive Car Insurance, Lease Protection), and digital tools (Novated Lease Calculator, Refinance Comparison Calculator, Member Portal, Paywise App). Specialised offerings include EV and PHEV novated leases with FBT exemptions, and value-added services such as fuel cards, roadside assistance, and a free car buying service. Following its merger with Paywise in 2025, the company now operates under the Paywise brand with enhanced digital platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Novated Lease
- Salary Packaging / Salary Sacrifice
- Car Loan
- Chattel Mortgage
- Finance Lease
- EV Novated Lease
- PHEV Novated Lease
- Self-Managed Novated Lease
- Comprehensive Car Insurance
- Lease Protection Insurance
- Car Buying Service
- Fuel Card
- Roadside Assistance
- Transfer Your Lease
Quantifiable outcome
- Average annual after-tax savings of $5,188 for petrol vehicle novated lease customers
- +3 more outcomes
Companies that use beCarWise
Customer profileNamed customers12 records
Segments3 records
beCarWise technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
beCarWise partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- COG AggregationminorListed as a partner organization, with beCarWise appearing on COG Aggregation's partner page.
- SG FleetminorSG Fleet referred Bernadette to beCarWise when her initial novated lease provider did not meet expectations, indicating referral relationship between fleet management companies.
- Adica InsurancecoreInsurance partner providing comprehensive vehicle insurance policies. Current beCarWise Adica policies transition to Paywise Adica coverage as part of merger. Coverage continues uninterrupted during transition.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
beCarWise competitors and assessment
Company assessmentDirect peers
- SG Fleet: Australian fleet management and novated leasing provider with corporate employer relationships; explicitly named as a referral partner to beCarWise, indicating direct product overlap in employee novated lease programs.
- Paywise: Long-standing Australian salary packaging provider (since 1989) that acquired/merged with beCarWise in 2025; offers near-identical novated lease and salary packaging products and now operates the combined entity.
- McMillan Shakespeare (McMillan Shakespeare Limited, parent of RemServ): One of Australia's largest salary packaging and novated leasing providers, serving employers and employees with bundled vehicle and benefits administration. Directly competes with beCarWise in Australian novated leasing with much greater scale.
- Maxxia: Established Australian salary packaging and novated leasing business, including novated leases with bundled running costs; competes for the same employer channels and employee leads as beCarWise.
- Novated Lease Australia (NLA) / NLC: Specialist novated lease broker offering direct comparability on product, target customer (Australian employees), and bundled running-cost administration.
- SmartSalary (part of Avant Mutual): Salary packaging and novated lease provider serving Australian employees and employers, including healthcare and public-sector verticals that overlap with beCarWise's customer base.
- Easi (Salary Solutions Australia): Salary packaging and novated leasing operator with a comparable product set (novated leases, FBT-exempt EV products, end-to-end running cost bundling) targeting Australian employers.
- Remunerator: Salary packaging and novated lease provider focused on Australian not-for-profit, healthcare, and public-sector employers; highly comparable customer verticals to beCarWise.
Others
- COG Aggregation: Salary packaging aggregator listed as a beCarWise partner; provides an alternative employer-facing channel for novated leasing and benefits distribution.
Broad incumbents
- LeasePlan Australia: Global fleet management and leasing major with Australian novated lease offerings; larger incumbent that beCarWise positions against as a more agile, customer-focused alternative.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
beCarWise social profiles
Digital presencebeCarWise financial estimates
Financial estimateRevenue estimate
Valuation estimate
beCarWise leadership team
Management profileNumber of profiles
beCarWise funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
beCarWise 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 beCarWise
What does beCarWise do?
beCarWise is an Australian novated leasing and salary packaging company that arranges vehicle finance, running cost management, and related insurance products for employees through their employers. The company sources fleet discounts across vehicle purchase, servicing, tyres, batteries, fuel and insurance, and bundles these with end-to-end lease administration including setup, refinance, transfer, and end-of-lease handling.
Is beCarWise a public or private company?
beCarWise is a private company. It is classified as founder individual operated bootstrapped and is currently acquired.
When was beCarWise founded?
beCarWise was founded in 2012. It employs 11 to 50 people.
Where is beCarWise based?
beCarWise is headquartered in Chatswood, Australia, in the Oceania region.
How does beCarWise make money?
Three revenue lines are on record. Novated Lease Financing is the primary driver. The others are running Cost Management and vehicle Procurement.
Who are beCarWise's main competitors?
Direct peers on record are SG Fleet, Paywise, McMillan Shakespeare (McMillan Shakespeare Limited, parent of RemServ), Maxxia, Novated Lease Australia (NLA) / NLC, SmartSalary (part of Avant Mutual), Easi (Salary Solutions Australia) and Remunerator. COG Aggregation is listed as an others. LeasePlan Australia is listed as a broad incumbent.
Does beCarWise have an API?
No public API is recorded for beCarWise.
What industry is beCarWise in?
beCarWise's product category is Novated Leasing Services. Its primary akta.pro industry code is FSAKADAC, Leasing & Lease Buyout Financing, with a secondary code of FSAKADAE, Fleet & Commercial Vehicle Finance. Its NAICS code is 532112 and its SIC code is 7510.