Network Finance

What Network Finance does

Network Finance is an Australian credit intermediary, not a direct lender, operating as a finance and loan brokerage under Australian Credit Licence #389653. Founded in 1995 and headquartered in Coorparoo, Brisbane, with a second office in Beenleigh, the firm matches individual borrowers, self-employed applicants, property investors, and small-to-medium businesses with credit products drawn from a panel of 30+ lenders. The offering spans home loans, investment loans, refinancing, vehicle and equipment finance, commercial property and construction lending, debtor finance, lines of credit, business loans, and personal loans. Membership in industry bodies AFCA, CAFBA, and FBAA signals participation in formal dispute-resolution and advocacy infrastructure.

The business model is a commission-based intermediation model: Network Finance is remunerated by the lender on settlement rather than by direct customer fees, with the customer-facing proposition framed around lender choice, scenario matching, and ongoing annual review. The production team is small — a manager, two finance brokers, a home loan specialist, and a trainee loan writer — suggesting a relationship-driven rather than high-volume processing operation. The technology stack, as disclosed, is conventional: a CRM-backed broker workflow supplemented by a self-service online quote and client portal at quotes.networkfinance.com.au, with no evidence of proprietary automation, machine-learning models, or differentiated data assets.

Case-study evidence (a regional Queensland civil contractor and a transport business) indicates deal sizes in the low-to-mid hundreds of thousands of Australian dollars for asset and structured business finance, consistent with a mid-market SMB focus rather than institutional or consumer-mortgage scale. As a 30-year private firm with no funding rounds, no acquisitions, and no disclosed financials, the company's strategic posture appears to be steady-state organic operation with modest geographic and channel extension rather than aggressive scaling.

Name

Network Finance

Legal name

Network Finance

Website

https://networkfinance.com.au

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Network Finance is an Australian finance and loan brokerage founded in 1995, matching individual borrowers, self-employed applicants, property investors, and small-to-medium businesses with credit products from a panel of 30+ lenders under Australian Credit Licence #389653.

Ownership category

akta.pro rank

Product category

Finance Brokerage

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Finance brokerage
• Loan brokerage
• Home loans
• Business loans
• Equipment finance

Headquarters

HQ city

Coorparoo

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: Network Finance generally does not charge customers for their services as they are paid by the lender who receives the customer's business. If a proposal requires charging a fee, they outline this upfront prior to any fee being payable. The company earns commissions from lenders in their panel for successful loan placements.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Network Finance is a finance and loan brokerage that matches Australian individual consumers and small-to-medium businesses with lending products from a panel of over 30 lenders. Core offerings span home loans, investment loans, construction loans, first home buyer loans, refinancing, personal loans, vehicle/car loans, equipment finance, commercial property loans, and business finance solutions including unsecured business loans, line of credit (overdraft), and debtor finance.

Product overview

Network Finance is a finance and loan broker offering a comprehensive portfolio of lending solutions across personal, business, and commercial finance categories. The core offering is a broker service that matches customers with options from 30+ lenders, including Business Loans (with Line of Credit and Debtor Finance sub-products), Vehicle Finance (encompassing Personal Car Loans, Chattel Mortgage, Lease, Novated Lease, and Rental Agreement across Passenger, Light Commercial, Heavy Commercial Vehicles, Trailers, Caravans, and Motor Bikes), and Property Finance (Home Loans, Investment Loans, Commercial Property, Construction Loans, First Home Buyers, and Refinance services). Personal Loans round out the personal finance offerings. The company operates as a broker platform rather than a direct lender, providing comparison and brokerage services across the entire lending lifecycle.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans Unsecured business loans providing fast access to funds without property or equipment security for loans under $150,000, with decisions typically within 2 business hours of application completion and approved funds usually available within 24 hours. Targeted at SMEs needing working capital, stock purchases, marketing spend, hiring, or ATO debt repayment.
• Line of Credit (Overdraft) Flexible ongoing credit facility where borrowers only pay interest on the amount used rather than the total limit. Applications can be completed in under 10 minutes with same-day decisions after bank data review; funds typically available the following business day. Targeted at businesses needing ongoing liquidity.
• Debtor Finance Invoice financing solution allowing businesses to access up to 80% of invoice value within 24 hours, improving cash flow by converting receivables into immediate funds. Targeted at SMEs with unpaid invoices creating cash flow gaps.
• Vehicle Finance Financing for the purchase of vehicles including passenger vehicles, light commercial vehicles, heavy commercial vehicles, trailers, caravans, motorbikes, with options spanning personal car loans, chattel mortgage, lease, novated lease, and rental agreement. Decisions typically within 24 hours. Targeted at individuals and businesses financing vehicles.
• Equipment Finance Financing solutions for business equipment purchases covering machinery, IT equipment, and yellow goods (such as construction equipment). Targeted at Australian businesses acquiring equipment without depleting working capital.
• Home Loans Personalized home loan solutions for purchasing first home, next home, or dream home, with broker-assisted access to 30+ lenders. Includes fast pre-approval options, rate negotiation through broker contacts, and annual home loan reviews. Targeted at individual owner-occupiers and first home buyers.
• First Home Buyer Loans Specialized financing assistance for first-time home buyers including access to government schemes and tailored loan solutions across the 30+ lender panel. Targeted at Australian first home buyers.
• Investment Loans Property investment financing solutions designed to help grow property investment portfolios across the 30+ lender panel. Targeted at property investors purchasing or refinancing investment properties.
• Construction Loans Home construction financing with staged fund disbursements as construction milestones are completed. Targeted at individuals building a new home.
• Loan Refinancing Home and investment loan refinancing services to lower repayments, unlock equity, or secure better interest rates through the 30+ lender panel. Targeted at existing borrowers seeking better loan terms or equity access.
• Commercial Property Loans Financing solutions for commercial property purchases and investments through the 30+ lender panel. Targeted at businesses and investors acquiring or refinancing commercial real estate.
• Personal Loans Unsecured personal financing for life's unexpected expenses or special moments, with access to a diverse lender panel. Targeted at individual borrowers needing funds for personal purposes such as debt consolidation or one-off expenses.

Quantifiable outcome

• Business loans decided in under 2 business hours of application completion
• +3 more outcomes

Named customers2 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

Partnerships

One partnership is on record.

• 30+ Lender PanelcoreChannel Partner/ Reseller/ DistributorNetwork Finance works with a panel of over 30 lenders including banks and specialist lenders. This enables them to compare options across the market and match customers with appropriate loan products. Lenders pay Network Finance commission for successful loan placements.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Aussie Home Loans (Lendi Group): Australia's largest retail mortgage broker aggregator with hundreds of brokers nationally and a digital platform. Closest scaled peer to Network Finance's brokerage model, with materially greater headcount, technology investment, and lender panel breadth.
• Pepper Money: Australian non-bank lender specialising in residential, asset and commercial finance, distributed predominantly through brokers including Network Finance. Comparable as a key counterparty in the same broker-originated lending ecosystem.
• Liberty Financial: Australian non-bank lender providing residential, asset finance and SMSF lending solutions distributed through broker networks. Functions both as a counterparty in Network Finance's lender panel and as an adjacent competitor for complex borrower segments.

Direct peers

• Resolve Finance: Independent Australian finance brokerage offering home, investment, business and vehicle finance, comparable in multi-product scope and independent broker positioning relative to Network Finance.
• Mortgage Choice: Long-established Australian mortgage broker franchise network offering home loans, investment loans, and asset finance through a large broker network. Direct competitor in the same broker-to-lender intermediation model Network Finance operates.
• Loan Market Group: Australian mortgage broker aggregator with a national franchise network of brokers, partnering with a large panel of lenders. Comparable to Network Finance in broker-led intermediation across home, investment, and commercial lending.
• Finance & Systems Technology (FST) / Astute Lending: Independent Australian finance brokerage operating across home, investment, business and asset finance, similar multi-product breadth to Network Finance. Comparable in scale and business model as an independent broker with panel lender access.

Emerging players

• Lendi: Digital-first Australian mortgage broker that emerged from the merger of Aussie and Lendi, combining broker support with strong self-serve technology. Comparable to Network Finance in lender panel intermediation but with materially greater digital infrastructure.

Others

• FBAA (Finance Brokers Association of Australia) Member Brokers: Industry association of which Network Finance is a member (M-324667). Represents the broader peer set of Australian independent finance brokers operating under similar regulatory and business model parameters.
• CAFBA (Commercial and Finance Brokers Association of Australia): Industry body Network Finance also belongs to (membership #298004), representing the commercial and asset finance broker peer group in Australia with which Network Finance directly competes for business and equipment finance mandates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/NetworkFinancePtyLtd

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Network Finance