What Stratton Finance does

Stratton Finance Pty Ltd is an Australian asset finance broker founded in Melbourne in 1998. The company operates a multi-product lending platform that connects consumers and businesses with a panel of 40+ lenders across car finance, caravan and RV finance, boat finance, commercial finance, personal loans, and home loans. Distribution combines an online self-service application portal (app.strattonfinance.com.au) with broker-assisted sales delivered through 20+ offices and a 1300-number contact center. Supporting technology is a standard web stack of quoting tools, loan calculators (repayment, borrowing capacity, chattel mortgage, Luxury Car Tax), and partner integration APIs and widgets for OEM, marketplace, and dealer channels. There are no proprietary AI or machine-learning systems disclosed; the platform is built around human-broker-led matching rather than automated underwriting.

The business model is commission-based: Stratton earns transaction fees from lenders on successfully settled loans, supplemented by revenue from insurance, warranty, and extended warranty products attached to financed assets. Customer segments split between individual consumers (vehicle finance, leisure/recreation assets, personal loans) and business customers (chattel mortgage, commercial equipment finance, debtor finance, construction loans). Enterprise relationships with Suzuki, Camplify, Drive.com.au, HIA, Manheim, Flight Centre, and others function as referral channels, with full API and co-branded integration offered to selected partners. Comparison rates advertised begin at 6.10% p.a. for car finance and 8.69% p.a. for commercial finance, with loan terms of 1-7 years.

Stratton claims position as Australia's largest asset finance broker, with over 150,000 customers served and $8B+ in finance arranged over its operating history. The company is majority-owned by Pepper Money following a 2022 acquisition, while continuing to operate independently under the Stratton Finance brand with 100+ employees. Recognition includes five consecutive years (2021-2025) of ProductReview Best Car Loans awards, WeMoney Best Large-Size Brokerage in 2023-2024, and a 4.9/5 average rating across 2,850+ ProductReview reviews.

Name

Stratton Finance

Legal name

Stratton Finance Pty Ltd

Website

https://strattonfinance.com.au

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Stratton Finance is Australia's largest asset finance broker, connecting consumers and businesses with 40+ lenders for car, caravan, boat, commercial, and home loans. Founded in 1998 and majority-owned by Pepper Money since 2022, it has served over 150,000 customers across 20+ Australian offices.

Ownership category

akta.pro rank

Product category

Asset Finance Brokerage

NAICS

Nondepository Credit Intermediation (5222), Other Activities Related to Credit Intermediation (522390), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industries

Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Asset finance brokerage
• Car finance broker
• Vehicle lending services
• Commercial equipment finance
• Consumer loan brokerage

Headquarters

HQ city

Port Melbourne

HQ country

Australia

HQ region

Oceania

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: Stratton Finance acts as a finance broker earning commissions from lenders when loans are settled. The company connects customers with suitable lenders from their panel and receives referral/commission fees upon successful loan settlement.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Stratton Finance is an Australian asset finance broker that connects consumers and businesses with finance products from a panel of 40+ lenders. It arranges secured and unsecured loans for cars, motorbikes, caravans, boats, jet skis, commercial equipment and vehicles, plus personal loans, home loans, novated leases, and complementary insurance and warranty products. Customers can apply online, by phone, or in branch, supported by dedicated Australian-based finance brokers who match them with suitable lender offers.

Product overview

Stratton Finance is an Australian asset finance broker operating as a multi-product lending platform with over 40 lender partners. The core offering consists of secured and unsecured vehicle financing products including Personal Car Loans, Secured Car Loans, Business Car Loans, and Car Loan Refinancing, alongside specialized products for Electric Vehicles (Green Car Loans) and Novated Leases for salary packaging. Beyond cars, the platform extends to recreational vehicles (Caravan Finance with Secured and Unsecured options), marine assets (Boat Finance including Jet Ski Finance), and commercial/business financing (Chattel Mortgage, Unsecured Business Loans, Cash Flow Finance, Debtor Finance, Construction Loans, and Commercial Equipment Finance). Additional offerings include Personal Loans, Home Loans, Insurance and Warranty products, and a Car Broker Service. The platform provides various calculator tools for loan estimation including Car Loan Calculator, Chattel Mortgage Calculator, Personal Loan Calculator, Luxury Car Tax Calculator, Car Lease Calculator, Motorbike Loan Calculator, and Car Loan Borrowing Capacity Calculator. Stratton Finance connects customers with lenders through an online application portal and broker-assisted service model.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Car Loan

Quantifiable outcome

• Over 150,000 customers helped access $8 billion+ in finance
• +3 more outcomes

Named customers10 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

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• SuzukicoreGTM or Marketing PartnerAutomotive manufacturer partnership where Stratton provides finance solutions for Suzuki dealerships and customers. Lewis Croft noted significant increase in leads from Suzuki website.
• New Age CaravansminorGTM or Marketing PartnerCaravan manufacturer partnership providing finance options to caravan purchasers.
• JB CaravansminorGTM or Marketing PartnerCaravan manufacturer partnership providing finance options to caravan purchasers.
• CamplifyminorGTM or Marketing PartnerRV rental marketplace partnership offering finance solutions to their customer base.
• Drive.com.auminorGTM or Marketing PartnerAutomotive marketplace partnership integrating finance options for car buyers.
• KarmominorGTM or Marketing PartnerCar leasing partner offering finance options to their fleet customers.
• Bar CrusherminorGTM or Marketing PartnerBoat manufacturer partnership providing marine finance solutions.
• Flight CentreminorGTM or Marketing PartnerTravel company partnership providing finance options for staff and potentially customers.
• HIA (Housing Industry Association)coreGTM or Marketing PartnerHousing industry association partnership providing finance benefits to HIA members. Lucy Vicars noted Stratton provides genuine membership benefit.
• ManheimminorGTM or Marketing PartnerAutomotive auction services partnership for vehicle acquisition and financing.
• Smart (SmartSalary)coreStrategic or Co-development PartnerPartnership with Smart for novated lease administration services. Smartsalary and Autopia Management provide salary packaging and novated leasing services alongside Stratton Finance.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Plenti: Australian digital lender offering consumer and automotive asset finance; competes directly with Stratton in vehicle and renewable asset lending, and also appears on Stratton's lender panel.
• MoneyMe: Australian digital consumer lender providing personal loans and asset finance; competes for the same consumer borrower via direct digital channels that bypass brokers like Stratton.
• Wisr: Australian non-bank digital lender offering personal loans and asset finance; competes with Stratton for consumer vehicle and personal loan demand and is also listed on Stratton's lender panel.
• Now Finance: Australian personal loan and asset finance provider; competes with Stratton for similar consumer and small-business borrower segments and appears on Stratton's lender panel.
• Loans.com.au: Australian online home and personal loan lender operating with a broker-friendly model; competes for the same consumer credit demand and works with brokers in similar channels to Stratton.
• Aussie Home Loans: Australia's largest mortgage broker brand with a large branch network and broker force; uses a similar multi-channel broker-plus-digital model to Stratton across lending products.
• Mortgage Choice: National Australian mortgage and asset finance broker with extensive broker network; shares Stratton's broker-distributed, multi-lender business model for consumer lending.

Broad incumbents

• Liberty Financial: Established Australian non-bank lender covering asset finance, motor, personal and commercial lending; overlaps with Stratton's product set and offers broker-distributed products including through Stratton's panel.
• Latitude Financial Services: Major Australian consumer finance provider offering personal loans, credit cards, and asset finance including motor lending; overlaps significantly with Stratton's consumer asset finance offerings and is also a lender partner on Stratton's panel.
• Pepper Money: Parent company of Stratton Finance and a major Australian non-bank lender across residential, asset, and commercial finance; defines Stratton's lender relationships and is itself a competitor to other broker channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/StrattonFinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Stratton Finance