What Simplicity Loans & Advisory does

Simplicity Loans & Advisory is an Australian boutique commercial finance brokerage founded in July 2017 by co-managing directors Jean-Pierre Gortan and Matthew Johnson. The company operates as an intermediary between business owners seeking commercial loans and a panel of lenders spanning major Australian banks, non-bank institutions, and private funders. It delivers eight core product lines — Commercial Finance, Term Lending, Construction Finance, Franchising, SMSF Lending, Working Capital, Second Mortgage, and Unsecured Lending — across vertical specialisations in construction and development, mining and industrial, agriculture, retail, medical, and specialised industries. The business has grown from five staff at inception to a 30+ person team operating from offices in Sydney (headquarters), Melbourne, and Brisbane, serving clients nationally across NSW, Victoria, Queensland, Tasmania, South Australia, and Western Australia via relationship managers.

The company's primary technology is Marketplace Finance, a proprietary digital platform launched in 2019 that enables external brokers to write and manage complex commercial loans regardless of prior experience, providing systematic access to competitive commercial loan facilities across the lender panel. The business also extends reach through the 'No Hair, Just Finance' podcast and a content-driven marketing approach. Revenue is generated on a transaction-fee model: Simplicity earns upfront and trail commissions from lenders each time a commercial loan is settled, with revenue scaling to loan value rather than to borrower identity.

Since inception Simplicity has settled over $4 billion in commercial finance, with $2 billion settled in FY2024 alone (up from $1.35 billion the prior year, approximately 48% YoY growth). The company holds Australian Credit Licence 504912 and AFCA membership 46114, and has been named to The Adviser's Top 25 Brokerages for four consecutive years (2020-2023) and MPA's Best Mortgage Brokerages for three consecutive years (2023-2025), with Managing Director JP Gortan individually settling $1 billion in FY24 and winning Australian Broker of the Year in 2023.

Name

Simplicity Loans & Advisory

Legal name

Simplicity Loans and Advisory Pty Ltd

Website

https://simplicity.net.au

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Simplicity Loans & Advisory is an Australian boutique commercial finance brokerage founded in 2017 that arranges loans for business owners and property developers across construction, SMSF, agriculture, retail, and medical sectors. The firm operates from Sydney, Melbourne, and Brisbane, having settled over $4 billion in commercial finance via its lender panel and proprietary Marketplace Finance platform.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

akta.pro secondary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

Keywords

• Commercial finance brokerage
• Commercial loan broker
• Construction finance lending
• SMSF lending services
• Working capital finance

Headquarters

HQ city

Pymble

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commercial Finance Brokerage: Simplicity acts as a loan broker and mortgage aggregator for commercial finance. It earns commission from lenders (upfront and trail commissions) for placing commercial loans with its panel of lenders. The company sources commercial loans for clients across construction, property development, SMSF lending, term lending, working capital, franchising, second mortgages, and unsecured lending. The revenue is transaction-based, generated each time a loan is settled.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Simplicity Loans & Advisory is a boutique Australian commercial finance brokerage that sources and structures commercial loans on behalf of business owners, developers, SMSF trustees, and commercial property investors. It places transactions with a panel of major banks, non-bank institutions, and private funders, earning commissions from lenders rather than fees from borrowers, and supports its broker network through the proprietary Marketplace Finance digital platform.

Product overview

Simplicity Loans & Advisory is a boutique commercial finance brokerage operating as a unified broker service rather than a software platform. Its core offering consists of eight commercial lending products — Commercial Finance, Term Lending, Construction Finance, Franchising, SMSF Lending, Working Capital, Second Mortgage, and Unsecured Lending — which are delivered through relationship-managed broker services. The company also operates Marketplace Finance, a digital platform launched in 2019 that enables external mortgage brokers to write and manage complex commercial loans through Simplicity's network of bank, non-bank, and private lenders. The company further extends its reach through the No Hair, Just Finance podcast as an industry education and thought leadership channel.

Differentiator

Problem solved

Functional benefit

Brands

• Marketplace Finance: Digital solution introduced in 2019 to enable brokers to write and manage complex commercial loans regardless of previous time and experience.
• No Hair Just Finance

Quantifiable outcome

• $4 billion+ in commercial finance settlements since inception (late 2017)
• +4 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Marketplace FinancecoreTechnology or Integration · 1 January 2019Marketplace Finance is a digital platform solution introduced by Simplicity in 2019 to enable brokers to write and manage complex commercial loans. It provides systematic and efficient access to competitive commercial loan facilities, functioning as the growth engine for the business and its referral network.
• Choice Partnerships CommercialcoreChannel Partner/ Reseller/ DistributorChoice Partnerships Commercial is part of the Choice aggregation group and serves as a referral network for Simplicity's commercial finance solutions. The network provides Simplicity with incoming referrals from mortgage brokers across Australia.
• FAST AggregationcoreChannel Partner/ Reseller/ DistributorFAST Aggregation is another aggregation brand within the Choice/Loan Market group that provides broker referrals to Simplicity. Simplicity team members have won FAST Aggregation Broker of the Year awards.
• CAFBA (Commercial and Asset Finance Brokers of Australia)minorOthersCAFBA is an industry association that Simplicity's MD JP Gortan supports in its mission to officially recognise commercial broking as a distinct profession in Australia.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Australian Finance Group (AFG): AFG is Australia's largest mortgage and finance aggregation group, providing brokers with access to a broad lender panel. Like Simplicity, AFG operates a broker-led model aggregating residential and commercial lending volume, though AFG is significantly larger and ASX-listed.
• Loan Market Group: Loan Market is one of Australia's largest mortgage broker networks, with strong residential focus but growing commercial capability. It shares the aggregator-led broker distribution model and lender panel access that Simplicity leverages, and operates within the same Choice aggregation ecosystem.
• Connective Home Loans: Connective is a major Australian mortgage aggregator providing brokers with lender panel access, technology, and support. While primarily residential, Connective serves the same broker-distribution model and competes for broker loyalty that underpins Simplicity's Marketplace Finance referral network.
• Choice Aggregation (Choice / FAST): Choice Aggregation operates the FAST and Choice Partnerships Commercial networks that route broker referrals to Simplicity. As both a partner and a competitor for commercial broker volume, Choice offers a directly comparable aggregation + commercial lending proposition.
• Mortgage Choice (REA Group): Mortgage Choice is a long-established Australian mortgage broker franchise owned by REA Group, with growing commercial lending capability. It competes for the same broker pool and SME/commercial borrower relationships that Simplicity serves.
• Scottish Pacific (ScotPac): ScotPac is one of Australia's largest specialist commercial finance brokers, focused on invoice finance, working capital, and SME lending. It competes directly with Simplicity in commercial lending intermediation and shares the relationship-broker distribution model.

Emerging players

• Lendi Group: Lendi is a digital-first Australian mortgage broker that has rapidly scaled broker-led lending volume. While primarily residential, Lendi represents the digital-native threat to traditional broker economics that Simplicity will increasingly face on the commercial side.
• Prospa: Prospa is an Australian online lender providing small business loans, lines of credit, and unsecured commercial finance. It targets Simplicity's working capital and unsecured lending product set with a direct digital model, bypassing brokers entirely.

Broad incumbents

• National Australia Bank (NAB): NAB is one of Australia's largest commercial banks and a core panel lender for Simplicity. Several Simplicity senior staff (including co-founder Matthew Johnson and GM Ryan Nelson) spent careers at NAB. NAB represents the incumbent lending capacity against which Simplicity brokers negotiate.
• Westpac: Westpac is a major Australian commercial bank and a panel lender for Simplicity. Multiple Simplicity directors previously held roles at Westpac. Westpac represents the broad incumbent alternative for borrowers and the upstream capital source that Simplicity's broker model intermediates.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/simplicity-loans-and-advisory
• Instagraminstagram.com/nohairjustfinance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 Simplicity Loans & Advisory