CampaignAgent

What CampaignAgent does

CampaignAgent (legal entity Campaign Agent Pty Ltd, ACN 608 962 812) is an Australian real estate fintech founded in 2015-2016 and headquartered in Richmond, Victoria. It operates a "Pay Now, Pay Later" platform for the property-sale ecosystem, providing point-of-sale financing and payment infrastructure to homeowners/vendors, listing agents, agency principals, property managers, and their operations teams. The company is a wholly-owned subsidiary of ASX-listed REA Group Ltd (REA:ASX), operator of realestate.com.au. It holds Australian Credit Licence 516432 and is a member of AFCA and FinTech Australia. Reported employee headcount is 11-50.

The product portfolio centers on VPAPay, its flagship product financing vendor paid advertising (VPA) and staging costs — vendors borrow up to $25,000 or 2% of estimated sale price for a flat 6.9% fee with up to six months to repay (due on the earlier of settlement, deposit release, withdrawal, sales-authority expiry, or the six-month date). Adjacent products are DepositNow (short-term secured bridging finance of $30,000-$250,000 against a sold property's equity, with a 3.69%-6.69% establishment fee, 60 days interest-free, then 1.67% monthly), DepositPay (a BPAY-rail secure deposit-payment service for buyers), and PMPay (a property-management payment gateway). A workflow layer marketed as CampaignAgent+AI provides guided instructions and pre-populated fields and embeds natively into leading real estate CRMs (PropertyMe, Property Tree), advertising platforms, and sign-on-glass tools.

The business model is a B2B2C, channel-led motion: real estate agencies and their agents are the primary distribution touchpoint, recommending CampaignAgent's payment options to vendors at the point of listing, supported by a direct sales team for agency principals and franchise networks and self-serve digital application pathways for homeowners. Revenue is transaction-based across all products — take rate/flat fees on financed VPA, establishment fees plus interest on bridging loans, and payment-processing fees on PMPay/DepositPay. Credit risk is assessed via Experian. Disclosed scale includes over $1 billion in cumulative VPA funding facilitated, 300,000+ vendors, 250,000+ vendor transactions, 14,000+ agents, and partnerships with 60%+ of Australia's top 100 real estate businesses (Ray White, LJ Hooker, McGrath, Marshall White, Belle Property, and others). Operations are exclusively domestic (Australia).

Name

CampaignAgent

Legal name

Campaign Agent Pty Ltd

Website

https://campaignagent.com.au

Company type

Public

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

CampaignAgent is an Australian real estate fintech, owned by ASX-listed REA Group, offering Pay Now, Pay Later financing and payment products (VPAPay, DepositNow, DepositPay, PMPay) to homeowners, real estate agents, agencies, and property managers nationwide.

Ownership category

akta.pro rank

Product category

Real Estate Fintech / PropTech Payments

NAICS

Real Estate Credit (522292)

SIC

Loan Brokers (6163), Services-Prepackaged Software (7372)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Real estate fintech
• Vendor paid advertising
• Bridging finance loans
• Property management payments
• Proptech payment processing

Headquarters

HQ city

Collingwood

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. VPAPay - Flat Fee on Deferred Marketing Payments: CampaignAgent charges homeowners a flat 6.9% fee when they choose the Pay Later option for vendor paid advertising (VPA). Loan repayments are due on the earlier of settlement, early deposit release, withdrawal, expiration of the agent's sales authority, or 6 months from loan commencement. This is a one-time fee per transaction, not recurring.
2. DepositNow - Establishment Fee and Interest: DepositNow charges a one-time establishment fee between 3.69% and 6.69% of the borrowed amount (depending on the loan size). No interest is charged for the first 60 days. After 60 days, a monthly interest rate of 1.67% applies (Comparison Rate of 23.68% p.a.). Repayment is due on the earlier of settlement or 6 months. This is a short-term, secured lending product.
3. PMPay - Payment Processing Fees: CampaignAgent charges property management agencies and landlords transaction fees for processing payments via Visa, Mastercard, Amex, Apple Pay, Google Pay, UnionPay, and BPAY. Fees are described as 'the lowest fees' in marketing materials.
4. DepositPay - Complimentary Service (Fee-free for buyers): DepositPay is described as a 'complimentary service' offered to buyers by the vendor's listing agent. Revenue may be generated through transaction fees charged to the agency rather than the buyer.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

CampaignAgent is an Australian fintech that provides Pay Now, Pay Later financing and payment processing solutions tailored to the real estate industry. Its core offerings include VPAPay (a flat 6.9% fee pay-later product financing vendor marketing campaigns up to $25,000), DepositNow (bridging equity access loans of $30,000–$250,000 secured against the sold property), DepositPay (BPAY-powered deposit payments for property buyers), and PMPay (property management payment gateway). All products are unified through the AI-enabled CampaignAgent+AI platform, which integrates with leading real estate CRMs and is distributed via real estate agency partners across Australia.

Product overview

CampaignAgent is an ASX-listed REA Group fintech platform offering Pay Now, Pay Later solutions for the real estate industry. The core portfolio consists of VPAPay (the primary Pay Later financing product for vendor paid advertising), DepositNow (bridging equity access before settlement), DepositPay (BPAY-powered secure deposit payments), and PMPay (property management payment processing). These products are unified under one platform with an AI-powered layer (CampaignAgent+AI) that automates workflows and integrates with leading real estate CRMs and property management software.

Differentiator

Problem solved

Functional benefit

Brands

• VPAPay: Vendor Paid Advertising Pay Later solution with up to six months to pay and a flat 6.9% fee.
• DepositNow
• DepositPay
• PMPay

Products and services

• VPAPay (Vendor Paid Advertising Finance) CampaignAgent's flagship Pay Now, Pay Later solution enabling Australian homeowners to pay for real estate marketing and styling costs upfront via card or digital wallet, or defer payment until settlement under a flat 6.9% fee. Vendors can borrow up to $25,000 or 2% of the estimated sale price (whichever is greater), with up to six months to pay and no penalty interest. Repayment is due on the earlier of settlement, early deposit release, withdrawal, expiration of the agent's sales authority, or the 6-month pay later date.
• DepositNow Short-term bridging finance product allowing Australian homeowners selling a property to access between $30,000 and $250,000 (capped at 80% of available equity) from the property's sale before settlement. Features a 60-day interest-free period with a one-time establishment fee of 3.69%-6.69% of the loan amount, after which a 1.67% monthly interest applies (comparison rate 23.68% p.a.), with funds typically available within one business day of approval.
• DepositPay Complimentary BPAY-powered deposit payment service offered by a vendor's listing agent to property purchasers, providing a structured digital payment pathway that reduces the risk of scams and payment errors. Supports split payment management and fast transfers of deposit funds directly into the agency trust account, typically within 24 hours, using unique BPAY codes.
• PMPay (Property Management Payments) Property management payment gateway accepting Visa, Mastercard, AMEX, Apple Pay, Google Pay, UnionPay, and BPAY for landlords. Marketed as offering the lowest fees in the category, includes chargeback protection, next-business-day fund transfers for landlords, automated payment reconciliation, and seamless integration with property management software.
• CampaignAgent+AI AI-enabled platform layer that delivers guided instructions, pre-populated text fields, and contextual workflow automation across the VPAPay, DepositNow, DepositPay, and PMPay offerings. Accessible from desktop, tablet, and mobile, it integrates natively with leading real estate CRMs (e.g., PropertyMe, Property Tree), advertising platforms, and sign-on-glass solutions to reduce administrative workflows from hours to seconds.

Quantifiable outcome

• Over $1 billion in VPA funding facilitated since inception in 2015
• +5 more outcomes

Named customers20 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature6 records

Partnerships

14 partnerships are on record, tiered core.

• Homes for Homes (The Big Issue)coreStrategic or Co-development PartnerCampaignAgent partners with Homes for Homes, an independent not-for-profit created by The Big Issue, to help address Australia's homelessness crisis. When homeowners pay for marketing costs through CampaignAgent, they can elect to add a donation to Homes for Homes (0.1% of property sale price). CampaignAgent embedded this option into its payment gateways. Homes for Homes aims to raise over $1 billion for social and affordable housing over 30 years.
• PropertyMecoreTechnology or IntegrationPropertyMe is one of CampaignAgent's key software integration partners. CampaignAgent embeds its payment processing and VPA management tools within the PropertyMe platform, enabling real estate agencies to access CampaignAgent's services without leaving their property management software.
• Property TreecoreTechnology or IntegrationProperty Tree is a key software integration partner for CampaignAgent, enabling real estate agencies using Property Tree's property management software to access CampaignAgent's payment and VPA solutions seamlessly within their existing workflow.
• BPAYcoreTechnology or IntegrationCampaignAgent's DepositPay product runs on BPAY infrastructure, leveraging BPAY's trusted payment rails for secure, fast transfers of property deposit funds to agency trust accounts, typically within 24 hours.
• Ray WhitecoreChannel Partner/ Reseller/ DistributorRay White is one of Australia's largest real estate agency groups and a key distribution partner for CampaignAgent. Ray White agents present CampaignAgent's Pay Now, Pay Later solutions to vendors to facilitate property marketing investment and equity access.
• LJ HookercoreChannel Partner/ Reseller/ DistributorLJ Hooker is a major Australian real estate franchise network distributing CampaignAgent's payment solutions to vendors across its national network of agents.
• FletcherscoreChannel Partner/ Reseller/ DistributorFletchers (Fletchers.net.au) is a key real estate agency partner offering CampaignAgent's payment solutions to vendors in the Victorian market and beyond.
• Barry PlantcoreChannel Partner/ Reseller/ DistributorBarry Plant is a leading Australian real estate agency network distributing CampaignAgent's Pay Now, Pay Later solutions to vendors across Victoria and other regions.
• Elders Real EstatecoreChannel Partner/ Reseller/ DistributorElders Real Estate is a national Australian real estate franchise network that partners with CampaignAgent to offer flexible payment options to vendors selling properties.
• Jellis CraigcoreChannel Partner/ Reseller/ DistributorJellis Craig is a prominent real estate agency in Melbourne's inner suburbs that offers CampaignAgent's payment solutions to its vendor clients.
• Marshall WhitecoreChannel Partner/ Reseller/ DistributorMarshall White is a leading luxury real estate agency in Melbourne that partners with CampaignAgent to provide flexible payment options for high-value property vendors.
• McGrathcoreChannel Partner/ Reseller/ DistributorMcGrath Estate Agents is a major Australian real estate brand distributing CampaignAgent's solutions to vendors through its network of agents.
• Belle PropertycoreChannel Partner/ Reseller/ DistributorBelle Property is a premium Australian real estate network offering CampaignAgent's payment solutions to vendors.
• Professionals Real EstatecoreChannel Partner/ Reseller/ DistributorProfessionals Real Estate is a national real estate network distributing CampaignAgent's Pay Now, Pay Later solutions across its Australian franchise network.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Brighte: Brighte is an Australian BNPL platform specializing in home improvement, solar, and energy-efficient upgrades. Like CampaignAgent, it provides interest-free, fee-based financing for property-related purchases and has built a strong channel-led distribution model.
• Lumi: Lumi offers BNPL and finance solutions for home improvements and sustainability upgrades in Australia. It shares CampaignAgent's model of providing short-term, fee-based credit tied to property decisions and has scaled through installer and channel partner networks.
• Plenti: Plenti (formerly RateSetter Australia) operates a marketplace lending platform providing personal, automotive, and renewable energy loans. Comparable to CampaignAgent in offering non-bank, asset-backed credit products to Australian consumers via a digital-first platform.
• PayRight: PayRight is an Australian BNPL provider offering installment plans for services like healthcare, education, and home improvements. It is a direct BNPL competitor to CampaignAgent's VPAPay in terms of fee structure and target customer.
• Openpay: Openpay is an Australian BNPL platform offering interest-free plans for healthcare, automotive, and home improvement verticals. Comparable to CampaignAgent in delivering BNPL for higher-value, considered-purchase categories.
• Resimac: Resimac is a leading Australian non-bank lender specializing in residential mortgages and bridging finance. Its short-term bridging loan product directly competes with CampaignAgent's DepositNow in the same real estate settlement finance category.
• Loan Avenue: Loan Avenue provides short-term bridging finance for property transactions in Australia. Its bridging loan product overlaps with CampaignAgent's DepositNow, addressing the same vendor need for equity access before settlement.

Broad incumbents

• Afterpay (Block): Afterpay, now part of Block, is Australia's largest BNPL provider. While it operates broadly across retail rather than real estate, it represents the dominant BNPL business model that could be extended into the property vertical by a well-capitalized incumbent.
• Zip Co: Zip Co is a major Australian-listed BNPL provider serving retail and consumer finance broadly. It is a broader incumbent whose strategic expansion into verticals like real estate or home services would directly compete with CampaignAgent.

Others

• Mortgage Choice: Mortgage Choice is a mortgage broker network and a sibling company of CampaignAgent under REA Group ownership. It serves the same real estate ecosystem and represents a natural cross-sell and distribution adjacency within the parent group's portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xfacebook.com/campaignagent
• Facebookfacebook.com/campaignagent
• LinkedInlinkedin.com/company/campaignagent
• Instagraminstagram.com/campaignagent

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 CampaignAgent