Pacific Finance Australia

What Pacific Finance Australia does

Pacific Finance Australia is an independently owned finance broking firm founded in 1991 and headquartered in West Perth, Western Australia. The company arranges asset finance, commercial finance, and property finance for small and medium enterprises (SMEs), accessing a panel of over 40 lenders that includes prime banks, second-tier financiers, and private lenders. The firm is structured as ACR No. 532030 of IFBA Pty Ltd under Australian Credit Licence No. 391682, and is a member of the Australian Financial Complaints Authority (AFCA). It is led by Managing Director Jeff Doig (in the industry since 1991) and three other directors, with a stable team of finance consultants, associates, marketing, and administrative staff.

The firm's three core product lines—asset finance (equipment across transport, mining, agriculture, construction, manufacturing, and solar sectors), commercial finance (invoice financing, cashflow financing, debt consolidation, trade finance, insurance premium funding, and ATO debt solutions), and property finance (residential and investment)—are delivered through dedicated brokers who manage the full transaction lifecycle from initial consultation through to settlement. The broker-led model is supplemented by a small set of digital tools: a loan repayment calculator, a payout request service, and a bank statement collection service that uses an Advanced iFrame integration to capture transactional data directly from client financial institutions. The company has no proprietary technology platform, no disclosed AI/ML capabilities, and no public API.

The business generates revenue through brokerage commissions on facilitated transactions, with annual settlement volume reported at more than AUD $500 million. The firm employs between 11 and 50 staff, all based at its West Perth headquarters at Level 2, 1109 Hay Street. Geographic reach is concentrated in Western Australia; national exposure is achieved through lender relationships rather than an owned branch network. Ownership is founder/management-led with no external private equity, venture capital, or institutional investment disclosed, and no funding rounds, acquisitions, or leadership transitions are recorded in the available material.

Name

Pacific Finance Australia

Legal name

Pacific Finance Australia ACR No. 532030 of IFBA Pty Ltd

Website

https://pacificfinance.com.au

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Pacific Finance Australia is an independently owned finance broking firm founded in 1991 in West Perth, Australia. The company arranges asset, commercial, and property finance for SMEs via a panel of over 40 lenders, settling more than AUD $500 million in volume annually.

Ownership category

akta.pro rank

Product category

Commercial Finance Broking

NAICS

Commercial Banking (522110), Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSABABAH

SME Equipment & Asset Finance (Leasing, Fleet, Capex)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABABAB

SME Business Lending (Term Loans, Lines of Credit, Overdrafts)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABABAG

SME Commercial Real Estate (CRE) Lending

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABABAF

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Finance broking services
• Asset finance solutions
• Commercial lending services
• Property finance brokerage
• Equipment leasing brokers

Headquarters

HQ city

Perth

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Finance Broking and Aggregation Services: Pacific Finance Australia operates as a finance broker and aggregator with access to a panel of over 40 financiers. The company earns revenue through brokerage commissions and fees from facilitating asset finance, commercial finance, and property finance transactions between clients and lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Pacific Finance Australia is a finance broking and aggregation firm that arranges asset finance, commercial finance, and property finance for clients by matching them to a panel of over 40 prime, second tier and private lenders. The company helps SMEs and individuals acquire equipment (transport, mining, earthmoving, agricultural, construction, manufacturing, medical, solar, office), access business capital (commercial property loans, invoice financing, cashflow financing, debt consolidation, trade finance, insurance premium funding) and secure residential and investment property finance. Revenue is generated through commissions and brokerage fees from lenders, with the company settling over $500 million in finance volume annually.

Product overview

Pacific Finance Australia operates as a finance broking company offering a unified platform of financing solutions organized around three core products: Asset Finance for equipment acquisition across industries including transport, mining, agriculture, and construction; Commercial Finance for business capital needs including property loans, invoice financing, and working capital; and Property Finance for residential and investment property loans. These core offerings are supported by specialized product modules including Low Doc Loans for self-employed borrowers, Unsecured Overdrafts and Lines of Credit for flexible working capital, Insurance Premium Funding, Debtor/Invoice Finance for unlocking receivables, Lease Doc for commercial property investors, and ATO Debt Finance Solutions. Digital service features including a Bank Statement Service (powered by Advanced iFrame) and Loan Repayment Calculator support the broking platform. The company accesses over 40 lenders and private banking solutions to match clients with appropriate financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Finance
• Commercial Finance
• Property Finance
• Low Doc Loans
• Unsecured Overdrafts
• Insurance Premium Funding
• Debtor Finance
• Cash Flow Finance
• Lease Doc
• ATO Debt Finance Solutions

Named customers11 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

Integration1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• IFBA Pty LtdcoreOthersPacific Finance Australia operates as ACR No. 532030 of IFBA Pty Ltd under Australian Credit Licence No. 391682. IFBA provides the credit licence framework under which Pacific Finance operates as a finance broker and aggregator.
• Lions Cancer InstituteminorOthersCommunity support partnership supporting cancer research and awareness initiatives in Western Australia.
• Dress For Success PerthminorOthersCommunity partnership supporting women's empowerment and professional development through Dress for Success Perth.
• Ovarian Cancer Research FoundationminorOthersCommunity support partnership contributing to ovarian cancer research efforts.
• Local Sports Clubs (West Perth Football Club, Cottesloe Rugby Club, East Perth Football Club, Claremont Football Club, Wembley Footy Club, WA Show Jumping Association, Fremantle Sailing Club, SWLF, TJBR, DHD, Perkins Plunge)minorOthersSponsorship of various local sports clubs and community organisations across Western Australia including football clubs, rugby, sailing, show jumping and other community groups.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Liberty Financial: Major Australian non-bank lender with significant asset finance, commercial and mortgage products. Overlaps with Pacific Finance in equipment and commercial finance, but Liberty is a principal lender rather than a broker; it both competes for clients and sits on Pacific Finance's lender panel.
• Resimac: Australian non-bank lender with asset finance, residential and commercial lending products distributed through broker networks. Overlaps with Pacific Finance's product set and is a likely panel lender, while also competing for the same SME clients directly.
• Pepper Money: Large Australian non-bank lender active in residential, asset and SME finance via broker channels. Comparable product overlap with Pacific Finance in asset and commercial lending, but operates as a funder (likely on Pacific Finance's lender panel) rather than a broker.

Direct peers

• Mortgage Choice (REA Group): Long-established Australian mortgage and finance broker franchise, now owned by REA Group. Comparable intermediated finance business model to Pacific Finance, though Mortgage Choice is concentrated in residential mortgages rather than asset/equipment finance.
• Loan Market Group: Large Australian finance broker aggregator with a multi-lender panel covering residential, commercial and asset finance. Comparable to Pacific Finance in offering intermediated finance across asset, commercial and property products to SMEs and consumers, but operates via a franchise/broker network nationally.
• Australian Finance Group (AFG): Australia's largest mortgage and finance broker aggregator with a broad lender panel and thousands of broker members. Direct comparable to Pacific Finance as an SME-focused finance broker/aggregator, though AFG operates a network/franchise model at materially greater scale and is ASX-listed.
• Connective Home Loans / Connective Broker Services: Major Australian finance broker aggregator providing brokers access to a wide lender panel. Direct peer in the intermediated finance model, with overlap in SME and asset finance broking though Connective's scale and national footprint are substantially larger.
• Aussie Home Loans (Aussie): Major Australian retail mortgage and finance broker brand owned by CBA. Comparable intermediated model with a multi-lender panel, serving SMEs and consumers. Pacific Finance is more SME/asset-weighted; Aussie is more retail/residential weighted.

Emerging players

• Plenti Group: ASX-listed Australian digital lender focused on automotive, renewable energy and SME lending. Partial overlap with Pacific Finance in equipment/asset finance and SME customers, but Plenti is a direct digital lender rather than a broker and is still scaling.
• Thinktank: Australian non-bank specialist in equipment and asset finance distributed via broker channels. Direct product overlap with Pacific Finance's asset finance offering and likely a panel lender; comparable customer base in transport, construction and earthmoving equipment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCPn4lUNHq-yEzo7M-K-Rkhg
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• LinkedInlinkedin.com/company/pacificfinanceaustralia
• Instagraminstagram.com/pacificfinanceaustralia

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Pacific Finance Australia