Community Business Bureau

What Community Business Bureau does

Community Business Bureau (CBB) is an Australian not-for-profit social enterprise founded in 1995, originating from the restructure of the Spastic Centres of South Australia. It is positioned as Australia's only not-for-profit salary packaging provider, serving more than 1,100 NFP organisations and approximately 81,000 individual employees across sectors including aged care, disability services, healthcare, Aboriginal and Torres Strait Islander organisations, food relief, and emergency services. CBB operates from its Frewville (South Australia) headquarters, with additional state offices in Geelong (Victoria) and an Adelaide-based Customer Care Team, supported by roughly 90 professionals.

The core product is salary packaging administration, enabling employees of eligible NFP organisations (charities, Public Benevolent Institutions, Health Promotion Charities) to use pre-tax dollars for everyday expenses such as mortgages, rent, bills, electronic devices, meal entertainment, and professional memberships, subject to Fringe Benefits Tax year caps ($15,900 standard plus $2,650 meal entertainment). Supporting products include novated leasing (1,414 active leases), a prepaid Visa Salary Packaging Card and Meal Entertainment Card issued through a core partnership with Beyond Bank, and add-on benefits distributed via Medibank (health insurance), Corporate Traveller (airline lounge), and insurance.com.au (broader insurance). The technology stack is PCI DSS certified (2025), built on secure cloud infrastructure with zero-trust principles, encrypted internal systems, continuous Security Operations Centre monitoring, and an employer self-service portal for payroll file management; CBB also holds ASES accreditation through the International Society for Quality (third cycle 2022–2025).

CBB's business model combines recurring subscription-style administration fees deducted from packaged salary, transactional commissions from novated leases, and affiliate referral income from insurance distribution. It is also expanding a Not for Profit Advisory Services line covering governance development and marketing planning for NFP clients. The company is governed independently, reinvests surplus into the sector through a Community Development Program (over $3.5M returned to date), and reports operational metrics including a 99.7% client retention rate, 100% new client satisfaction, NPS of 67, and 35-second average call wait time, alongside $240M in cumulative customer savings and $6M returned to community.

Name

Community Business Bureau

Legal name

Community Business Bureau Inc.

Website

https://cbb.com.au

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Community Business Bureau (CBB) is Australia's only not-for-profit salary packaging provider, serving over 1,100 NFP organisations and 81,000 employees with pre-tax salary packaging, novated leasing, card products, and advisory services.

Ownership category

akta.pro rank

Product category

Salary Packaging Administration

NAICS

Insurance Agencies and Brokerages (524210)

akta.pro primary industry

Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK)

Keywords

• Salary packaging administration
• Novated leasing services
• Employee benefits packaging
• Not-for-profit advisory
• FBT year benefits

Headquarters

HQ city

Kensington

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, Others

Revenue model

1. Salary Packaging Administration Fees: CBB charges fees for salary packaging administration services to both employers and employees, processing pre-tax salary deductions and managing payment distributions. Fees are deducted from packaged salary as agreed in employer service agreements.
2. Novated Lease Services: CBB provides novated leasing services for vehicle financing, bundling running costs such as fuel, maintenance, insurance, registration, and servicing into single monthly payments.
3. Corporate Distributor of Insurance Products: CBB operates as a Corporate Distributor of various insurance products on behalf of insurance.com.au Pty Ltd, offering Medibank Corporate Cover discounts and other health insurance products to salary packaging customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels10 records

Core offering

Community Business Bureau administers salary packaging for employees of Australian not-for-profit organisations, allowing them to use pre-tax dollars for everyday expenses, mortgages, rent, bills, novated leases, meal entertainment, electronic devices, car parking, and professional memberships, potentially increasing take-home pay by 5-10%. The standard salary packaging limit is $15,900 per FBT year (April 1 to March 31), with an additional $2,650 available for meal entertainment. CBB also distributes novated leasing, health insurance discounts (Medibank Corporate Cover), and airline lounge membership discounts through partnership channels.

Product overview

Community Business Bureau (CBB) offers a salary packaging platform primarily serving Australia's not-for-profit sector. The core product is Salary Packaging, which allows employees of eligible organisations to use pre-tax dollars for everyday expenses. Supporting modules include Novated Leasing for vehicle financing, Electronic Devices packaging, Meal Entertainment benefits, Medibank Corporate Cover Discounts, Car Parking, Professional Memberships, Remote Area Benefits, and Airline Lounge Membership Discounts. CBB provides two prepaid Visa cards issued by Beyond Bank: the Salary Packaging Card for general salary packaging funds and the Meal Entertainment and Holiday Accommodation Card for dining and accommodation expenses. Additional services include an Employer Self-Service Portal for payroll management and Not for Profit Advisory Services for organisational development. The standard annual salary packaging limit is $15,900 per FBT year (April 1 - March 31), with an additional $2,650 available for meal entertainment.

Differentiator

Problem solved

Functional benefit

Products and services

• Salary Packaging

Quantifiable outcome

• Increase take-home pay by 5-10%
• +5 more outcomes

Named customers18 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• Beyond BankcoreChannel Partner/ Reseller/ DistributorCBB partners with Beyond Bank (100% customer-owned bank) as their salary packaging card provider. Beyond Bank issues CBB Salary Packaging Cards and Meal Entertainment Cards, providing quality banking services with values aligned to CBB's not-for-profit mission. Card holders access funds through Beyond Bank's internet banking platform and mobile app.
• MedibanksupportingGTM or Marketing PartnerCBB offers Medibank Corporate Cover as a salary packaging benefit, providing customers with exclusive discounts on health insurance including 9% off premiums, 80% back on extras cover, and 100% back on glasses up to $300 per year.
• Corporate TravellersupportingGTM or Marketing PartnerPartnership providing discounted airline lounge membership fees for CBB customers who travel for work, with memberships usable for both business and personal travel.
• insurance.com.ausupportingGTM or Marketing PartnerCBB operates as a Corporate Distributor of various insurance products on behalf of insurance.com.au Pty Ltd (ABN 27 163 909 073, AFSRN 443422), an authorised representative of Community Broker Network Pty Ltd (ABN 60 096 916 184, AFSL 233750).

Scale indicators16 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Autopia: Autopia is an Australian novated lease and fleet management specialist offering salary-packaged vehicle financing. Comparable to CBB on the novated leasing product line and on running-cost bundling via pre-tax deductions.
• AccessPay: AccessPay is an Australian salary packaging and employee benefits provider serving NFP, healthcare, and public-sector clients with pre-tax benefits and novated leasing. Directly comparable to CBB on product scope, target customer verticals, and B2B distribution model.
• Smartgroup Limited: ASX-listed Smartgroup is Australia's largest salary packaging and employee benefits provider, including for the NFP and public benefit sectors via brands like Smartsalary. Directly comparable to CBB in core product offering, customer profile, and beneficiary administration model.
• Smartsalary: Smartsalary (part of the Smartgroup ecosystem) offers salary packaging, novated leasing, and meal entertainment cards to NFP employers across Australia. Closely comparable service mix and customer segment to CBB, often competing head-to-head in tenders.
• RemServ: RemServ is an Australian salary packaging administrator with strong focus on healthcare, religious, and not-for-profit employer segments. Directly competes with CBB on the same salary packaging product, same customer verticals, and uses a similar employer-direct sales motion.
• Maxxia: Maxxia is an Australian novated leasing and salary packaging provider serving both corporate and NFP employer segments. Comparable to CBB particularly on the novated leasing side (1,414 of CBB's active leases compete in this market) and on broader pre-tax benefits administration.

Broad incumbents

• Bupa Australia: Bupa is one of Australia's largest health insurers and a health-focused broader-incumbent across the NFP and corporate markets. Comparable as a potential distribution/swap partner to CBB's Medibank arrangement and as a competitor for the health insurance portion of salary packaging benefits.
• Medibank Private: Medibank is Australia's largest private health insurer and a GTM partner of CBB for the Medibank Corporate Cover distribution arrangement. Relevant as both distribution partner and as a broader incumbent in NFP-relevant health insurance benefits tied to packaging.

Others

• Beyond Bank Australia: Beyond Bank is CBB's card-issuing partner and Australia's largest customer-owned bank. Included as an enabling/ecosystem participant that backs CBB's prepaid card product rather than as a direct competitor; relevant given the strategic dependency on the BIN sponsor relationship.

Emerging players

• Flare: Flare is an Australian employee benefits and wellbeing platform with pre-tax benefits and salary packaging-style functionality. Partial overlap with CBB on employee benefits administration though more generalist and SMB-focused; emerging threat and potential partner in the NFP segment.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCuSRg26RM08rmIpn9GIv03Q
• Facebookfacebook.com/CommunityBusinessBureau
• LinkedInlinkedin.com/company/community-business-bureau
• Instagraminstagram.com/community_business_bureau

Compliance2 records

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 Community Business Bureau