ADS.finance
- Company typePrivate
- Founded2016
- HeadquartersSydney, Australia
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
ADS.finance firmographics
Firmographics- Name
- ADS.finance
- Legal name
- Alternative Debt Pty Ltd ACN 613 442 381
- Website
- https://ads.finance
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
ADS.finance industry classification
Industry- Product category
- Loan Marketplace & Alternative Lending Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)
- akta.pro secondary industry
- Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)
Keywords
Where ADS.finance is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
ADS.finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Finance Provider Subscriptions: Monthly subscription fees from finance providers (lenders and brokers) accessing the platform. Plans range from Trial ($100/month) to Standard ($550/month) to Premium ($1,100/month), with different reservation quotas and pricing for additional reservations.
- Commission on Completed Transactions: 15% commission on revenue earned and paid to finance providers for completed transactions. Commission is payable within 10 business days of first settlement or receipt of revenue.
- Loan Scenario Retention Fees: $250 per retained loan scenario. Finance providers pay a retention fee when they reserve a loan opportunity from the pool. Additional reservation fees apply for over-quota reserves ($75 standard, $65 premium per additional reserve).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Trial Plan - Entry-level subscription for finance providers |
| Subscription | Monthly | Standard Plan - Mid-tier subscription for finance providers |
| Subscription | Monthly | Premium Plan - Full-featured subscription for finance providers |
| Subscription | Monthly | Legacy Subscription Tier - Previous pricing structure |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
ADS.finance product offering
Product offeringCore offering
ADS.finance operates an online loan marketplace that connects Australian borrowers with 200+ registered finance providers including private lenders, brokers, and non-bank lenders across categories such as home loans, commercial property finance, development finance, business loans, asset and equipment finance, vehicle finance, construction/receivables finance, and trade finance. Borrowers post loan requirements free of charge through a 50-second application, and an AI-powered matching engine routes them to suitable providers who pay monthly subscriptions plus per-reservation and per-transaction fees to access the loan feed.
Product overview
ADS.finance is a lead-generation loan marketplace platform operated by Alternative Debt Pty Ltd. The platform connects borrowers seeking finance with over 200 registered finance providers (lenders and brokers) through an AI-powered matching system. The core product is the ADS.finance Platform, which enables borrowers to submit loan requests across 8 major loan categories: Commercial Property Finance, Development Finance, Business Loans, Vehicle Finance, Home Loans, Asset Finance, Construction Loans, and Trade Finance. The platform also offers finance providers a subscription-based service with a dedicated dashboard, loan feed access, messaging capabilities, and analytics tools, available through Trial, Standard, and Premium subscription tiers.
Differentiator
Problem solved
Functional benefit
Products and services
- ADS.finance Loan Marketplace Platform Online marketplace connecting Australian borrowers with 200+ registered private lenders, brokers, and non-bank finance providers; borrowers submit a free 50-second loan request and an AI matching engine delivers multiple competitive offers within 24–48 hours.
- Commercial Property Finance Finance solutions for investment and owner-occupied commercial property purchases or refinancing, offering competitive rates, up to 70% LVR, flexible loan terms, and fast settlements via the marketplace.
- Development Finance Private funding for construction and property development projects with tailored repayment options including up to 80% LVR, interest-only options, progress payments, and flexible exit strategies, sourced via the marketplace.
- Business Loans Working capital and private funding to support business growth, cash flow, or equipment purchases, offering secured and unsecured options, same-day approval, equipment and asset finance, and line of credit facilities through marketplace providers.
- Vehicle Finance Flexible finance options for business or personal vehicles, from cars to commercial fleets, with new and used vehicle options, low doc and full doc options, competitive fixed rates, and flexible repayment terms.
- Home Loan Tailored mortgage solutions for first-home buyers, refinancers, or investors, covering owner-occupier and investment loans with fixed and variable rate options, up to 95% LVR with LMI, and offset and redraw facilities.
- Asset Finance Flexible funding to purchase or refinance business assets, equipment, and machinery, including chattel mortgage and lease options with fixed competitive rates, working-capital preservation, and tax-effective structures.
- Construction Loans (Receivables Finance) Receivables finance solutions that unlock cash tied up in unpaid invoices, offering 80–90% advance rates, credit protection, non-recourse options, and easy online management.
- Trade Finance Short-term private funding to cover importing, exporting, or supply chain management costs, including import and export finance, letters of credit, bridge cash-flow gaps, and flexible repayment terms.
- Finance Provider Subscription Access Subscription access for lenders and brokers to the ADS.finance loan feed, enabling reservation of borrower loan scenarios, borrower messaging, and analytics via a dedicated dashboard.
Quantifiable outcome
- 25,000+ successful borrower-lender connections facilitated
- +4 more outcomes
Companies that use ADS.finance
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles3 records
ADS.finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature3 records
ADS.finance partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights5 records
ADS.finance competitors and assessment
Company assessmentBroad incumbents
- LendingTree: LendingTree operates one of the largest online loan marketplaces in the US, connecting borrowers with multiple lenders across personal, home, and business loans via a single application. Directly comparable to ADS.finance in operating a multi-lender aggregation model, though at significantly greater scale and across more geographies.
- iSelect: iSelect is an Australian financial and utilities comparison service covering loans, insurance, and energy. Comparable in operating a multi-category comparison/marketplace in Australia, though larger and broader in scope than ADS.finance.
- Funding Circle: Funding Circle operates a global online lending marketplace connecting SMB borrowers with institutional and retail investors/lenders. Comparable as a multi-lender credit marketplace, though Funding Circle funds loans directly while ADS.finance acts as a broker/matcher between borrowers and providers.
Direct peers
- Credible: Credible is a US-based loan marketplace that lets borrowers compare offers from multiple lenders for student loans, mortgages, and personal loans via a single form. Closely comparable to ADS.finance in marketplace aggregation, AI-assisted matching, and freemium borrower model, though focused on US consumer lending.
Regional players
- RateCity: RateCity is an Australian financial product comparison platform covering home loans, personal loans, credit cards, and savings accounts. Comparable in matching borrowers to lenders in the Australian market, though primarily comparison/SEO-driven rather than AI-matching led.
- Wisr: Wisr is an Australian fintech operating in consumer credit and lending comparison, providing personal loans and credit-improvement products. Comparable as an Australian lender/aggregator in similar loan categories (personal, vehicle) that ADS.finance's platform connects borrowers to.
- Prospa: Prospa is an Australian online lender providing small business loans, lines of credit, and unsecured finance. Comparable as a non-bank finance provider active in the Australian SMB lending segment that ADS.finance aggregates — also a potential partner/integrated lender on the platform.
- Lendi: Lendi is an Australian mortgage broker platform backed by NAB, connecting home loan borrowers with multiple lenders through a digital application. Comparable as a regional loan marketplace in Australia, though more narrowly focused on mortgages than ADS.finance's eight product categories.
- Joust: Joust is an Australian broker marketplace for commercial and business finance, connecting borrowers with brokers and lenders. Closely comparable in targeting Australian business and commercial borrowers via a broker/marketplace model, with a similar AI-assisted matching emphasis.
Others
- Canstar: Canstar is an Australian financial research and comparison business that rates and ranks lenders and loan products. Adjacent comparability: not a direct competitor but occupies a related position in the Australian loan discovery ecosystem where ADS.finance also operates.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
ADS.finance social profiles
Digital presenceADS.finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
ADS.finance leadership team
Management profileNumber of profiles
Profiles2 records
ADS.finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ADS.finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ADS.finance
What does ADS.finance do?
ADS.finance operates an online loan marketplace that connects Australian borrowers with 200+ registered finance providers including private lenders, brokers, and non-bank lenders across categories such as home loans, commercial property finance, development finance, business loans, asset and equipment finance, vehicle finance, construction/receivables finance, and trade finance. Borrowers post loan requirements free of charge through a 50-second application, and an AI-powered matching engine routes them to suitable providers who pay monthly subscriptions plus per-reservation and per-transaction fees to access the loan feed.
Is ADS.finance a public or private company?
ADS.finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ADS.finance founded?
ADS.finance was founded in 2016. It employs 1 to 10 people.
Where is ADS.finance based?
ADS.finance is headquartered in Sydney, Australia, in the Oceania region.
How does ADS.finance make money?
Three revenue lines are on record. Finance Provider Subscriptions are the primary driver. The others are commission on Completed Transactions and loan Scenario Retention Fees.
Who are ADS.finance's main competitors?
Broad incumbents on record are LendingTree, iSelect and Funding Circle. Credible is listed as a direct peer. Regional players are RateCity, Wisr, Prospa, Lendi and Joust. Canstar is listed as an others.
Does ADS.finance have an API?
No public API is recorded for ADS.finance.
What industry is ADS.finance in?
ADS.finance's product category is Loan Marketplace & Alternative Lending Platform. Its primary akta.pro industry code is FSAGAIAJ, Marketplace / Multi-Lender POS Financing Aggregators, with a secondary code of FSAKAHAG, Real Estate / Property-Backed Marketplace Lending (Non-mortgage). Its NAICS code is 522310 and its SIC code is 6163.