Lanyana Financial Group

What Lanyana Financial Group does

Lanyana Financial Group, operating primarily through its Revive Financial brand, is a privately held Australian debt management and personal insolvency services provider headquartered in Queensland and incorporated as Revive Financial Group Pty Ltd. The group operates six wholly-owned operating subsidiaries under Australian Credit Licence 503321 and is a Registered Debt Agreement Administrator (RDAA 1337) under oversight from the Australian Financial Security Authority (AFSA) and the Australian Financial Complaints Authority (AFCA). The company has been in operation since 2005 and self-describes as Australia's #1 provider of debt solutions, reporting 40,000+ individuals helped and $500M+ in debt negotiated across its history.

The core product portfolio centers on six regulated debt-management solutions for individuals and small businesses experiencing financial hardship: Part IX (9) Debt Agreements and Part X Personal Insolvency Agreements (governed by the Bankruptcy Act 1966), Informal Agreements negotiated directly with creditors, Temporary Hardship Plans (a 3-month short-term solution), Debt Consolidation, and Bankruptcy referrals, plus a dedicated Business Debt Solutions vertical serving sole traders, subcontractors, and company directors with pre-insolvency advice under section 588G of the Corporations Act 2001. Lending and mortgage refinance products are positioned as alternatives for customers who do not qualify for formal debt management. Distribution is sales-led and direct-to-consumer via a 1800 number, a national online assessment funnel at solutions.revivefinancial.com.au, and an educational Knowledge Centre supporting top-of-funnel content marketing. The technology stack is non-proprietary SaaS — HubSpot for CRM and marketing automation, Microsoft Applications and AWS/GCP for data, Equifax for credit reporting, RapidID for identity verification under the Identity Verification Services Act 2023, and an in-house budget/debt-consolidation calculator suite.

The revenue model is professional services: upfront fees plus ongoing fees added to the customer's total debts across multi-year (typically 3–7 year) contracts, complemented by referral commissions from lending partners when customers pursue refinance options. Pricing is not publicly disclosed on the website. Leadership consists of chartered-accountant and insolvency specialists — Founder/Chairman/CEO Craig Francis, COO Brett Gavin, CFO Shane Edwards (former Lloyds/Origin Energy), and insolvency veterans Richard Moretti and Kimberley Davison. No external private equity, venture capital, or institutional investor ownership is evidenced in the source data.

Name

Lanyana Financial Group

Legal name

Revive Financial Group Pty Ltd

Website

https://lanyana.com.au

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Lanyana Financial Group, trading as Revive Financial, is an Australian licensed debt management and personal insolvency services provider (ACL 503321, RDAA 1337) serving individuals and small businesses in financial hardship across Australia via Part IX/Part X Debt Agreements, informal agreements, and consolidation solutions.

Ownership category

akta.pro rank

Headquarters

HQ city

Noosa Heads

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Management Solutions Fees: Revive Financial charges professional fees for its debt management solutions, including Part IX Debt Agreements and Informal Agreements. The fees consist of upfront fees and ongoing fees which are added to the customer's total debts. The overall debt will be considerably less as interest on debts is paused and customers pay a reduced amount per dollar owed.
2. Referral Partner Commissions: The company receives commissions from referral partners when customers choose refinance options. Credit contracts describe referral fees and commissions paid by lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Lanyana Financial Group (operating through its Revive Financial brand and subsidiaries) is an Australian licensed debt management and insolvency services provider offering government-legislated debt agreements, informal creditor negotiations, personal insolvency agreements, temporary hardship plans, debt consolidation, bankruptcy administration, and business debt solutions. The company targets individuals and small businesses experiencing financial hardship across Australia, delivering tailored repayment plans, creditor negotiation, and legal protection from unsecured debts.

Product overview

Revive Financial Group is a licensed Australian debt management and insolvency services provider operating through multiple subsidiaries under Australian Credit Licence 503321. Its core offering is a suite of structured debt management solutions designed for individuals and businesses experiencing financial hardship. The product portfolio centres on six core debt solution products: Part IX (9) Debt Agreements, Informal Agreements, Part X Personal Insolvency Agreements, Temporary Hardship Plans, Debt Consolidation, and Bankruptcy — each addressing different levels of debt severity and customer eligibility. These are complemented by business debt solutions for sole traders and company directors. A digital ecosystem of online assessment tools, budget and debt consolidation calculators, and a knowledge centre (articles and guides) supports the sales funnel and customer education. Lending and refinance products serve as alternatives for customers ineligible for debt management plans. A Refer a Friend Program provides loyalty rewards. The company also offers corporate insolvency services via referral partner Business Reset Pty Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Part IX (9) Debt Agreement

Quantifiable outcome

• Average 60% debt reduction achieved for customers
• +3 more outcomes

Named customers3 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

Integration7 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Business Reset Pty LtdminorStrategic or Co-development PartnerReferral partner for corporate insolvency services. Corporate insolvency services accessed via the Revive Financial website are provided by Business Reset Pty Ltd. Business Reset Pty Ltd is not a subsidiary or related entity of Revive Financial Group Pty Ltd and is independently owned.
• EquifaxcoreTechnology or IntegrationCredit reporting body partner for exchanging credit related information. Revive Financial shares credit information with Equifax Pty Ltd (GPO Box 964, North Sydney NSW 2059) to assist with credit assessments and debt management.
• RapidIDcoreTechnology or IntegrationDocument Verification Service (DVS) gateway service provider used for identity verification in accordance with the Identity Verification Services Act 2023 (Cth).
• Good ShepherdminorStrategic or Co-development PartnerProvider of No Interest Loan Scheme (NILS) referenced as an alternative solution for low-income earners. Good Shepherd offers interest-free loans up to $3,000 for essential expenses.
• The Salvation ArmyminorStrategic or Co-development PartnerProvider of No Interest Loan Scheme (NILS) referenced as an alternative solution for individuals experiencing financial hardship.
• Australian Financial Security Authority (AFSA)coreTechnology or IntegrationRegulatory body overseeing bankruptcy and insolvency matters. Revive Financial operates as a Registered Debt Agreement Administrator under AFSA oversight and submits PIA forms through AFSA.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• McLeod Insolvency: Australian insolvency practice providing Part IX Debt Agreements, Personal Insolvency Agreements, and bankruptcy services to individuals and businesses, mirroring Revive Financial's core regulated offerings.
• SV Partners: Australian insolvency and restructuring practice with Registered Trustee status offering personal and corporate insolvency services, comparable to Revive's regulated debt agreement administration capabilities.
• Pilot Partners: Australian insolvency, restructuring, and business recovery firm providing Part IX/X personal insolvency services and corporate insolvency advisory, directly competing with Revive's insolvency and business debt solutions.
• Insight Insolvency: Australian Registered Trustee offering personal insolvency agreements, debt agreements, and bankruptcy administration services, comparable in regulatory standing and customer focus to Revive Financial.
• Fox Symes: One of Australia's largest personal insolvency and debt agreement administrators, offering Part IX Debt Agreements, bankruptcy, and informal debt solutions directly competing with Revive Financial's core product set for the same Australian consumer segment.
• Worrells: National Australian insolvency and restructuring firm offering personal insolvency agreements, debt agreements, and business restructuring services, comparable to Revive Financial's full-service debt solution portfolio.
• Debt Busters: Australian debt management company providing debt consolidation, Part IX Debt Agreements, and informal arrangements to individuals in financial hardship, serving the same customer segment with overlapping solution types.

Others

• Equifax Australia: Credit reporting body partner to Revive Financial, providing credit information and Part IX Debt Agreement administration support; represents a key infrastructure provider enabling Revive's creditor assessment and debt management workflows.
• Good Shepherd Australia (NILS): Provider of No Interest Loan Scheme (NILS) referenced as an alternative solution by Revive Financial, serving low-income earners with interest-free loans and complementary financial wellbeing programs in Australia.

Emerging players

• Credit Repair Australia: Australian credit repair and debt management service targeting consumers with credit score issues, overlapping with Revive Financial's customer base of financially stressed individuals but with more limited product depth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries6 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 Lanyana Financial Group