Diverse Funding Solutions

What Diverse Funding Solutions does

Diverse Funding Solutions (legal entity Diverse Funding Pty Ltd, ACN 663 784 736) is an Australian non-bank finance broker founded in 2020 that intermediates between borrowers and a network of over 200 private lenders and investors. The company is headquartered in North Sydney, NSW, with additional offices in Melbourne, Brisbane, and Perth, and operates with a stated 1-10 person team. Its product portfolio spans 18+ loan products organized into private lending (caveat loans, first and second mortgages, short-term property loans, private mortgages, mezzanine funding), business lending (secured, unsecured, bad credit, low doc/no doc, asset and equipment finance, startup loans, short-term business loans), and property finance (development, construction, bridging, commercial property loans from 2.95% p.a.). The core technology stack is intentionally lightweight: an online express-quote application form, the PEXA electronic property settlement system, and an in-house lender-matching process that pairs borrower profiles to suitable private capital.

The business model is a broker commission structure, where DFS earns an upfront commission calculated as a percentage of the lender's broker commission on settled loans, and shares up to 50% of that commission (capped at A$5,000 per deal) with external referrers through its Refer & Earn channel program. Customers are primarily Australian SMBs, property developers, and non-conforming borrowers who cannot access traditional bank finance due to credit history, documentation gaps, or speed requirements. Marketing is sales-led, combining digital channels (website, SEO blog content, social media), Google reviews (4.9/5 across 47 reviews) for social proof, and a call center operating extended hours seven days a week. Differentiation rests on speed (24-hour settlements in some cases), flexibility on documentation and LVR (up to 100%), and the breadth of the lender network rather than proprietary technology.

Name

Diverse Funding Solutions

Legal name

Diverse Funding Pty Ltd

Website

https://diversefunding.com.au

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Diverse Funding Solutions is an Australian non-bank finance broker, founded in 2020, that matches SMBs, property developers, and non-conforming borrowers with a network of over 200 private lenders across offices in Sydney, Melbourne, Brisbane, and Perth.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mini-Correspondent / Table Funding Programs (FSALACAC)

akta.pro secondary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Private lending broker
• Commercial finance broker
• Mortgage lending services
• Business loan intermediation
• Property development finance

Headquarters

HQ city

Baulkham Hills

HQ country

Australia

HQ region

Oceania

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: DFS acts as a commercial broker receiving commission from lending institutions when loans settle. Commission structure includes upfront commission calculated as a percentage of the brokers commission DFS receives from the lender, with referrers receiving 50% of broker upfront commission up to $5,000 per deal.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Diverse Funding Solutions is an Australian non-bank commercial finance broker that arranges secured and unsecured loans by matching borrowers with a network of over 200 private lenders. Its core offerings include caveat loans, first and second mortgages, private lender business loans, bridging finance, property development and construction finance, commercial property loans, and specialized products for self-employed, low doc, and bad credit borrowers. The company earns broker commission when loans settle with private lenders and supports funding decisions within 24 hours in some cases.

Product overview

Diverse Funding Solutions is a non-bank private lending broker operating across Australia that acts as an intermediary between borrowers and a network of over 200 private lenders. The company offers a comprehensive portfolio of loan products structured around secured lending against property and business assets. The core offering consists of private lender business loans, caveat loans, and mortgage products (first and second mortgages) that form the foundation, supplemented by specialized financing for property development, construction, and commercial real estate. The product range spans from short-term bridge financing and caveat loans for urgent funding needs to longer-term commercial property loans and business expansion financing. Additional products include low doc/no doc loans for self-employed borrowers, equipment and asset finance, startup business loans, and mezzanine funding structures. The company differentiates through fast approval processes (often within 24 hours), minimal documentation requirements, and accessibility for borrowers with bad credit or non-conforming profiles.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Lender Business Loans Secured loans arranged against real estate property through a network of over 200 private lenders, potentially available without credit checks, valuation, or income verification, for borrowers who cannot access mainstream bank financing.
• First Mortgage Loans Loans secured with a first mortgage position against unencumbered property, offering competitive interest rates and fast funding access for borrowers using real estate as security.
• Second Mortgage Loans Loans positioned after an existing first mortgage, allowing borrowers to access equity in properties that already have mortgage obligations.
• Caveat Loans Short-term secured loans where a caveat is registered against property as security, offering fast settlement within 24 hours without requiring full mortgage documentation.
• Short Term Property Loan Property-secured loans for business purposes such as buying inventory, expanding operations, or accessing additional cash flow, with flexible short-term repayment options.
• Property Development Finance Short-term development loans for residential and commercial property projects with no pre-sales requirements and a simplified assessment process for developers at any experience level.
• Bridging Finance Short-term interest-only loans that bridge the gap between purchasing a new property and selling an existing one, providing funds during transition periods.
• Low Doc and No Doc Business Loans Business loans requiring minimal or no documentation, designed for self-employed borrowers or those with limited business records who cannot provide standard financial statements.
• Commercial Property Loans Loans financing the purchase or improvement of commercial properties including office space, retail premises, warehouses, factories, and multi-residential developments, with rates starting from 2.95% p.a.
• Secured Business Loans Business loans secured against assets including property, equipment, or other collateral, offering better terms than unsecured options for borrowers with available security.
• Unsecured Business Loans Business loans without collateral requirements, assessed based on business turnover (typically up to 80% of average monthly turnover) with rapid same-day processing.
• Bad Credit Business Loans Business loans designed for borrowers with poor credit history, using property or other security to offset credit risks and enable approval.
• Asset Finance Financing solutions for acquiring business assets, allowing purchases to be funded while preserving cash flow for other operational needs.
• Equipment Finance Loans specifically for purchasing business equipment such as machinery or vehicles, with the equipment itself potentially serving as loan security.
• Startup Business Loans Loans tailored for new businesses that may lack established trading history or traditional documentation required by mainstream lenders.
• Short Term Business Loans Business loans typically structured for 1 to 24 month periods, used for working capital, cash flow management, refinancing, or capitalizing on urgent business opportunities.
• Construction Finance Specialized financing for construction projects, providing funds based on total development costs or gross realised value of the completed project.
• Private Mortgages Mortgage products arranged through private lenders outside the traditional banking system, offering flexible terms and faster approval processes.
• Home Equity Loans Loans leveraging equity built up in residential properties, allowing homeowners to access funds for various purposes while retaining property ownership.
• Mezzanine Funding Hybrid financing combining debt and equity elements, typically used for additional capital to complete property projects where the lender may take an equity interest.

Quantifiable outcome

• Same day or 24-hour funding in some cases
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Summer LawyerscoreImplementation/ SI/ Consulting PartnerNSW-based mortgage specialist law firm that prepares all DFS private loan contracts. Contracts are reviewed by borrowers' nominated lawyers before signing.
• Bransgroves LawyerscoreImplementation/ SI/ Consulting PartnerNSW-based mortgage specialist law firm engaged by DFS to produce loan contracts, alongside Summer Lawyers.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Others

• RateCity: Australian financial comparison platform (owned by Nine Entertainment) for home loans, credit cards, and deposit products. Comparable to DFS as a borrower-acquisition channel in the Australian lending ecosystem, though operating as a comparison site rather than a broker.

Broad incumbents

• Liberty Financial: Australian non-bank lender providing residential mortgages, commercial loans, and asset finance, including products for non-conforming borrowers. Comparable to DFS in serving the same borrower segments though as a direct lender rather than broker.
• FAST (Finance & Systems Technology): Major Australian broker aggregator providing technology and lender access to a network of mortgage and finance brokers. Directly comparable business model to DFS but operating at significantly larger scale.
• Australian Finance Group (AFG): One of Australia's largest mortgage broker aggregators, ASX-listed (AFG), offering broker services across a wide lender panel. Comparable to DFS as a broker intermediary but at much greater scale and with institutional backing.
• Mortgage Choice: ASX-listed Australian mortgage broker franchise with a national broker network offering home and investment loans. Comparable to DFS as a customer-facing mortgage broker but with substantially larger scale and brand.
• Pepper Money: Australian specialist non-bank lender offering residential, commercial, and asset finance to non-conforming and self-employed borrowers. Comparable to DFS's end customer target, though Pepper funds directly while DFS brokers.

Direct peers

• Smartline Personal Mortgage Advisors: Australian mortgage broker franchise (part of REA Group) specializing in home loans, investment property lending, and self-employed borrower financing. Directly comparable to DFS's focus on residential and non-conforming lending.
• Loan Market Group: Large Australian mortgage broker franchise offering home loans, commercial loans, and asset finance through a national broker network. Comparable to DFS in broker-mediated lending across property and business segments.
• Astute Financial Management: Australian finance broker aggregator supporting a network of mortgage brokers across residential, commercial, and asset finance. Comparable to DFS as a broker intermediating between borrowers and lender panels.
• Yellow Brick Road: Australian mortgage and finance broker franchise operating across home loans, commercial lending, and wealth advice. Directly comparable to DFS as a multi-product broker serving Australian consumers and SMEs with personalized lending solutions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/FundingDiverse
• Facebookfacebook.com/DiverseFundingSolutions
• LinkedInlinkedin.com/company/diverse-funding-solutions
• Instagraminstagram.com/diversefundingsolutions

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 Diverse Funding Solutions