Finexia Financial

What Finexia Financial does

Finexia Financial Group Limited (ASX:FNX) is an Australia-based, ASIC-regulated private credit and funds management group that provides bespoke financing and investment solutions to wholesale and sophisticated investors, commercial property borrowers, senior executives with restricted shareholdings, and niche-sector operators (childcare and tourism accommodation). The group's core offering is a private credit platform combining commercial real estate lending (rates from 10% p.a., up to 80% LVR residential / 75% commercial), securities-backed lending against ASX-listed share portfolios (5-day processing), and specialized childcare center financing. Alongside lending, the group operates managed investment vehicles including the Stay Company Income Fund (Southeast Queensland tourism accommodation, 510+ rooms, 8 hotels, 10% p.a. target monthly payout) and the Childcare Income Fund, as well as a trading and advisory business (Finexia Securities) covering equities, options, FX, commodities, and CFDs, plus the acquired Yield Report fixed income intelligence platform.

The group generates revenue through three streams: recurring interest income from lending activities (subscription/recurring), management and performance fees from funds under management (managed services), and transaction-based commissions and advisory fees from securities trading (transaction fee). Distribution is sales-led via direct advisory relationships and a dealing desk, complemented by inside-sales for securities-backed lending and field sales for commercial lending. The technology stack is described as specialized private credit infrastructure supporting rapid decisioning (24-hour indicative loan decisions, 2-week settlements) and a Virtual Trader member platform; no AI, ML, or proprietary data products are disclosed.

Finexia is headquartered in Sydney (Level 39, 88 Phillip Street) with a Gold Coast regional office and a San Francisco office, is listed on the ASX under ticker FNX, and holds AFSL 485760 through wholly-owned subsidiary Finexia Securities Limited. The company is small (1-10 employees, AUD ~$10M HY25 revenue growing 32%), and has undergone significant leadership turnover in 2025 with the departure of CEO Patrick Bell and interim CEO Marc Duncan, followed by Executive Chairman Robert Spano assuming an active operational role and conducting a comprehensive credit operations review.

Name

Finexia Financial

Legal name

Finexia Financial Group Limited

Website

https://finexia.com.au

Company type

Public

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Finexia Financial Group (ASX:FNX) is an ASIC-regulated Australian private credit provider offering commercial lending, securities-backed lending, managed funds (Stay Company and Childcare), and share market trading services to wholesale investors, commercial borrowers, and niche-sector operators across Australia and the US.

Ownership category

akta.pro rank

Product category

Private Credit & Specialty Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522), Open-End Investment Funds (525910), Other Financial Vehicles (52599)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industries

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM), Prime Brokerage & Institutional Trading Services (FSAPADAF), Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Private credit solutions
• Commercial lending services
• Securities backed lending
• Funds management
• Share market trading

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Infrastructure, Others

Revenue model

1. Private Credit & Lending: Finexia generates interest income through private credit facilities including commercial lending (rates from 10% p.a.), securities-backed lending against ASX share portfolios, and specialised childcare centre loans. The company offers loan-to-value ratios of up to 80% for residential property, 75% for commercial property, and 55% for vacant land.
2. Funds Management: Finexia operates managed funds including The Stay Company Income Fund (tourism accommodation) and Childcare Income Fund. The Stay Company targets 10% p.a. payout paid monthly to investors. Fund management generates management fees and performance-related income from assets under management.
3. Securities Trading & Advisory: Finexia Securities provides share market trading services across equities, options, foreign exchange, commodities, and CFDs domestically and offshore. The business generates commission revenue from trade execution and advisory fees for private and institutional clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Finexia Financial Group Limited is an ASX-listed specialised private credit provider offering commercial lending, securities-backed lending against ASX-listed share portfolios, and managed investment funds (including the Stay Company Income Fund and Childcare Income Fund). The firm also operates a share market trading business covering equities, options, FX, commodities and CFDs, supported by funds management and an Australian Financial Services Licence (AFSL 485760).

Product overview

Finexia Financial Group Limited is a specialized private credit provider offering a diversified portfolio of financial services. The company operates a platform-plus-products architecture combining bespoke credit and investment solutions with funds management capabilities. Core offerings include Commercial Lending and Securities Backed Lending for private credit, alongside investment funds such as the Childcare Income Fund and The Stay Company Income Fund (StayCo) targeting different sectors. Additional services encompass Share Market Trading (equities, options, FX, commodities, CFDs), sophisticated investor solutions with prime broking capabilities, and the acquired Yield Report fixed income platform. The group also provides member access through its Virtual Trader platform.

Differentiator

Problem solved

Functional benefit

Brands

• Stay Company Income Fund (StayCo): Investment fund for wholesale investors offering direct exposure to the accommodation market in Southeast Queensland, managed by Creative Capital Group Pty Ltd with trustee Finexia Securities Limited
• Childcare Income Fund
• Securities Backed Lending
• Yield Report

Products and services

• Commercial Lending Fast commercial loan facility for businesses seeking real estate and property financing. Offers 24-hour indicative decisions, 2-week settlements, interest rates from 10% per annum, and LVR up to 80% for residential, 75% for commercial, and 55% for vacant land.
• Securities Backed Lending Loans secured against ASX-listed share portfolios enabling borrowers to access liquidity without selling investments. Features 5-day processing, competitive pricing versus traditional margin lending, flexible repayment, and no early repayment penalties.
• The Stay Company Income Fund (StayCo) Managed fund specialising in operating and managing holiday and resort accommodation complexes in Southeast Queensland. Targets 10% annual payout paid monthly, with 510+ rooms under management across 8 hotels. Minimum investment of $50,000 for wholesale and sophisticated investors.
• Childcare Income Fund Investment fund providing experienced operators funding to open, upgrade and acquire new childcare centres. Offers bespoke credit and investment solutions within the private credit portfolio.
• Share Market Trading Investment trading and advisory services covering equities, options, foreign exchange, commodities, and CFDs both domestically and offshore. Provides personalised service through the dealing desk tailored to specific investor needs and objectives.
• Sophisticated & Wholesale Investors Prime Broking Alternative prime broking solution for wholesale and sophisticated investors with capabilities across equities, securities lending, structured products, derivatives, stock borrowing, foreign exchange, equity swap and custody.
• Yield Report Independent fixed income news and financial solutions platform acquired from Sequoia Financial Group in January 2024, marking Finexia's strategic expansion into the fixed income market.

Quantifiable outcome

• 32% revenue growth to $9.97 million in HY25
• +3 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Sequoia Financial Group LtdcoreStrategic or Co-development Partner · 31 January 2024Finexia acquired Yield Report Pty Limited from Sequoia Financial Group in exchange for 500,000 shares. The acquisition marks strategic growth into the fixed income market and establishes a partnership to serve the financial planning sector. The companies collaborate on marketing initiatives targeting financial planning and accountancy sectors. Yield Report enhances Finexia's capabilities in providing independent fixed income news and financial solutions.
• Creative Capital Group Pty LtdcoreImplementation/ SI/ Consulting PartnerCreative Capital Group Pty Ltd serves as the Investment Manager for The Stay Company Income Fund, handling day-to-day fund management decisions and investment strategy execution. Finexia Securities Limited acts as Trustee with AFSL 485760.
• Mazars (Audit) QLD Pty LtdminorOthersMazars serves as the independent auditor for The Stay Company Income Fund, providing annual financial statement audits from their Brisbane office at Level 11, 307 Queen Street.

Scale indicators7 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Plenti Group: ASX-listed specialist lender in auto, renewable energy, and consumer credit, with a comparable non-bank, technology-enabled credit platform and similar reliance on differentiated underwriting speed.
• Resimac Group: Australian non-bank mortgage and securitisation specialist offering residential and commercial lending, with overlapping exposure to property-backed lending and securitisation comparable to Finexia's commercial real estate book.
• Pepper Money: ASX-listed non-bank lender providing commercial, residential, and asset finance across Australia, with a similar private-credit positioning and direct-to-borrower origination model to Finexia's commercial lending line.
• Prospa: ASX-listed online lender to small businesses offering fast working capital and commercial loans, directly comparable to Finexia's speed-led (24-hour decisions, 2-week settlements) commercial lending proposition.
• Leveraged Equities: Specialist Australian securities-backed lending provider offering loans against ASX-listed portfolios, directly competing with Finexia's Securities Backed Lending product for restricted-share and senior-executive borrowers.
• Sequoia Financial Group: ASX-listed financial services group with lending, funds management, and adviser distribution. Direct counterparty on the Yield Report acquisition and an obvious comparable in Australian diversified private credit.

Broad incumbents

• Macquarie Group: Largest ASX-listed non-bank financial services group with deep funds management, lending, and prime broking franchises. Comparable across Finexia's prime broking, securities lending, and managed funds lines, though far larger and more diversified.
• Latitude Group Holdings: ASX-listed consumer and instalment credit provider offering personal loans and point-of-sale finance. While broader in scope, it is a relevant scale comparable for Finexia's personal/securities-backed lending activities.

Regional players

• HUB24: ASX-listed platform provider to financial advisers and stockbroking-led wealth management. Relevant given Finexia's Head of Equities previously founded a firm acquired by HUB24 and given the Yield Report partnership with financial planners.
• Magellan Financial Group: ASX-listed specialist funds manager offering managed investment products to retail and wholesale investors, comparable as a listed Australian sponsor of income-yielding fund vehicles similar in structure to StayCo.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/finexiafinancialgroup
• LinkedInlinkedin.com/company/finexia
• Instagraminstagram.com/finexiafinancial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finexia Financial