3LANE Finance

Name

3LANE Finance

Legal name

Louca ANE Holdings Pty Ltd ACN 622 970 281 as trustee for The Louca Family Trust Trading As 3LANE Finance ABN 85 192 468 060

Website

https://3lane.com.au

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Finance Brokerage (Mortgage and Asset Lending)

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Finance brokerage services
• Commercial lending
• Residential mortgages
• Asset finance
• Property development loans

Headquarters

HQ city

Marrickville

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel

Revenue model

1. Broker Commission (Lender-paid): In most cases, 3LANE Finance's services are free to clients — the lender pays the company a commission when a loan settles. If a particular scenario ever requires a client fee, it would be explained and agreed in writing first. This is the standard remuneration model for Australian mortgage and finance brokers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

3LANE Finance is a specialist finance brokerage that arranges loans for borrowers by comparing applications across a panel of Tier 1 banks, Tier 2 lenders and specialist funders. The brokerage delivers six core lending pathways (residential, commercial, asset & equipment, property investment, property development, SMSF) and industry-specific services for medical, childcare, professional services, construction/trades, consultants, self-employed professionals and small business owners, with end-to-end management from initial assessment through settlement.

Product overview

3LANE Finance is a specialist finance brokerage offering a portfolio of lending products and services. The core offering consists of six specialist lending pathways: Residential Finance, Commercial Finance, Asset & Equipment Finance, Property Investment Finance, Property Development Finance, and Self Managed Super Fund (SMSF) Lending. These are supported by sub-products including Home Loans, Business Loans, Construction Finance, Equipment Finance, Medical Equipment Finance, and Vehicle & Fleet Finance. Industry-specific services target Medical & Healthcare, Childcare Centres, Contractors & Trades, Professional Services, Consultants & Freelancers, Self-Employed Professionals, and Small Business Owners. The company also provides a Loan Calculator tool. The products are delivered through a whole-of-market lender panel including Tier 1 banks, Tier 2 lenders, and specialist funders, with no technology platform or API component.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Finance Funding solutions that help individuals purchase, refinance or manage residential properties, including home loans, construction loans and refinancing. Delivered as a brokerage service across the firm's lender panel.
• Commercial Finance Funding solutions that help individuals or businesses purchase, refinance or manage commercial assets, including commercial property loans, business lending and cash-flow finance. Delivered as a brokerage service across the firm's lender panel.
• Asset & Equipment Finance Funding solutions to help businesses acquire equipment and resources needed to grow, structured around cash flow through chattel mortgages, leases and hire purchase arrangements. Delivered as a brokerage service.
• Property Investment Finance Flexible finance solutions supporting property investment goals and long-term portfolio strategy across residential and commercial lending. Delivered as a brokerage service.
• Property Development Finance Bespoke finance solutions tailored to property development projects based on scale, complexity and funding profile, including acquisition, construction and mezzanine finance. Delivered as a brokerage service.
• Self Managed Super Fund (SMSF) Lending Specialist lending solutions that help self managed super funds buy residential or commercial property through limited recourse borrowing arrangements (LRBAs). Delivered as a brokerage service.
• Medical & Healthcare Finance Preferential lending for doctors, dentists and allied health professionals with LMI waivers, higher lending ratios and practice funding.
• Childcare Centres Finance Specialist funding for childcare operators including centre acquisitions, freeholds, fit-outs and working capital, with applications packaged around occupancy, licensed places and CCS revenue.
• Contractors & Trades Finance Finance built for contractors and trades, covering equipment, vehicles, cash flow and property, structured around progress payment cycles.
• Professional Services Finance Tailored lending for accountants, lawyers, engineers, architects and other professional services firms and partners, including home, practice, equipment and investment lending.
• Consultants & Freelancers Finance Finance for consultants and freelancers with strong income but short trading histories or irregular invoicing, leveraging alternative verification options across the lender panel.
• Self-Employed Professionals Finance Home and business lending for sole traders and company directors penalised by tick-a-box credit policies, packaged around retained profits, trust distributions and variable income.
• Small Business Owners Finance Lending for business owners whose tax returns do not reflect the full financial picture, from working capital through to premises purchase, with lenders selected for how they assess business income.

Quantifiable outcome

• Broker-settled transactions range from $500k to $100M+
• +2 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Connective Credit Services Pty LtdcoreGTM or Marketing Partner3LANE Finance operates as an authorised Credit Representative (504775) under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd ABN 51143651496. Connective is the credit licensee to whom client information may be provided for loan application processing.
• Mortgage and Finance Association of Australia (MFAA)coreOthers3LANE Finance is a member of the Mortgage and Finance Association (MFAA), the peak industry body for mortgage and finance brokers in Australia. MFAA membership provides professional standards, industry advocacy, and credibility for the brokerage.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Loan Market Group: National Australian mortgage and finance broker aggregator with a large franchise network. Comparable in whole-of-market lender access, commission revenue model, and residential/commercial intermediation focus.
• Aussie Home Loans: Australia's largest retail mortgage and finance broker brand with a national branch network and broker panel. Directly comparable as a multi-product, panel-based broker serving residential, commercial and asset finance customers across the same buyer segments.
• Smartline (REA Group): National Australian mortgage broker franchise owned by REA Group. Directly comparable in panel-based residential and commercial broking with similar referral-led acquisition and commission revenue model.
• Mortgage Choice: Long-established Australian mortgage and finance broker franchise operating on a similar lender-panel, commission-based model. Comparable in offering residential and small-business lending intermediation to retail and SME clients.
• Home Loan Experts: Independent Australian mortgage broker specialising in complex and non-standard borrower profiles. Highly comparable in the niche of self-employed, professional and non-bank lending that 3LANE targets.

Emerging players

• Lendi: Digital-first Australian mortgage broker and lending platform. Comparable end-customer use case (residential and investment lending) but with a self-serve technology layer that pressures traditional broker models like 3LANE's.
• Athena Home Loans: Australian digital lender and mortgage platform offering streamlined origination and aggressive pricing. Competes for the same NSW borrowers 3LANE serves and represents the disintermediation threat from digital-native models.

Others

• Connective (Credit Representative Aggregator): Australian credit licence aggregator under which 3LANE operates as a Credit Representative. An ecosystem enabler rather than a competitor — provides lender panel access, compliance infrastructure and broker support services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/3lane-finance

Compliance4 records

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 3LANE Finance