Rivwest Finance

What Rivwest Finance does

Rivwest Finance Limited is a privately held Australian financial services company founded in 1996 and headquartered at 272 Macquarie Street, Dubbo, NSW. It operates a dual model as both a direct financier and a mortgage/credit broker, offering equipment finance, business finance, home loans, bridging finance, investment loans, refinancing, personal loans, agri finance, and insurance premium funding. On the funding side, it has issued fixed-term secured notes to investors since 2001 and is currently on its 26th prospectus cycle, regulated under ASIC Regulatory Guide 69. The business is licensed under Australian Financial Services Licence No. 497169 and Australian Credit Licence No. 386803, and reports quarterly to ASIC.

The company accesses over 30 third-party lenders through its broker relationships while retaining the ability to deploy its own balance-sheet capital for specialised transactions that other brokers cannot facilitate — an uncommon hybrid structure for a sub-10-person firm. Its core technology is standard loan-processing infrastructure supplemented by the Odyssey broker portal (Red Planet Software) for intermediary access. No proprietary AI, algorithmic underwriting, or platform technology is disclosed.

Rivwest serves small business owners, individual consumers, and agricultural/rural customers across regional New South Wales and the Australian Capital Territory, with regional offices in Wagga Wagga, Griffith, Temora, West Wyalong, and Wollongong in addition to its Dubbo head office. The firm has supplied approximately $186 million in capital to small businesses over its history and currently operates with approximately $200 million in funds under management. Revenue is generated through net interest spread on own-balance-sheet lending, broker origination and trail commissions, and the spread between secured-note investor returns and on-lending rates. The business is founder-led — Robert J Elliott, one of three co-founders, remains a Director after stepping down as Chairman and Company Secretary on 19 March 2025 — and depends heavily on a five-person core team with deep regional banking pedigree (ANZ, State Bank of NSW).

Name

Rivwest Finance

Legal name

Rivwest Finance Limited

Website

https://rivwest.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

Rivwest Finance is a private Australian financier and mortgage broker (founded 1996, Dubbo) that lends its own capital and accesses 30+ third-party lenders to provide equipment, business, home, agri, and personal loans to small businesses, individuals, and rural customers across regional NSW and ACT.

Ownership category

akta.pro rank

Product category

Consumer & Commercial Lending

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

akta.pro secondary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Equipment finance
• Mortgage broking
• Business lending
• Agri finance
• Personal loans

Headquarters

HQ city

Dubbo

HQ country

Australia

HQ region

Oceania

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lending Operations: Rivwest provides secured lending products including equipment finance, business finance, home loans, bridging finance, investment loans, personal loans, agri finance, and insurance premium funding. Revenue is generated through interest income on loans and broker origination fees.
2. Secured Notes Investments: Rivwest issues secured notes to investors as fixed-term investments. They have offered these since 2001 and are now onto their 26th prospectus. Revenue comes from the spread between lending rates and investor returns.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Rivwest Finance provides secured lending products including equipment finance, business finance, home loans, bridging finance, investment loans, refinancing, personal loans, agri finance, and insurance premium funding. It also offers secured notes fixed-term investments to investors. The company operates as both a direct financier using its own capital and a mortgage broker accessing over thirty external lenders, enabling tailored transactions for clients across regional NSW and the ACT.

Product overview

Rivwest Finance operates as both a financier and mortgage broker, offering a comprehensive suite of lending products and fixed-term investment opportunities. Their lending portfolio includes Equipment Finance, Business Finance, Home Loans, Bridging Finance, Investment Loans, Refinancing, Personal Loans, Agri Finance, and Insurance Premium Funding. On the investment side, they offer Secured Notes Fixed Term Investments which have been issued since 2001. The company acts as both a direct lender using their own capital and as a broker accessing over thirty external lenders, enabling specialized transactions for clients across regional NSW and the ACT.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Finance Financing for virtually any vehicle or piece of equipment, including motor vehicles (passenger and commercial), providing borrowers with flexible repayment options for commercial and personal equipment purchases.
• Business Finance Finance solutions for starting a new business, buying an existing business, expanding current operations, or purchasing commercial assets. Targeted at small business owners in regional NSW.
• Home Loans Home mortgage broking service that reviews products from over 30 lenders to find suitable home loan products for residential property purchases. Targeted at regional NSW individuals and families.
• Bridging Finance Short-term financing solution enabling borrowers to purchase a new home before selling their current property, easing the timing gap in property transactions.
• Investment Loans Finance products designed for investment property purchases and building an investment property portfolio, with access to over 30 lenders.
• Refinancing Loan restructuring service replacing existing debt with a new loan, potentially securing better rates or terms.
• Personal Loans Financing for personal purchases including cars, boats, caravans, swimming pools, and home renovations.
• Agri Finance Specialised finance solutions for agricultural operations, helping farmers seize opportunities and manage seasonal cash flows for farm purchases, equipment, and operational needs.
• Insurance Premium Funding Financing option allowing businesses to pay insurance premiums in instalments rather than as a lump sum, easing cash flow for business insurance costs.
• Secured Notes Fixed Term Investments Fixed-term investment products secured by second-ranking mortgages, offered to investors since 2001 (currently in the 25th Prospectus cycle) and providing secured returns with regular disclosure to ASIC.

Quantifiable outcome

• Supplied $186 million in capital to small businesses creating approximately 2,000 full time jobs in country NSW
• +2 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

Two partnerships are on record, tiered core and minor.

• Equifax AustraliacoreOthersEquifax Australia is used as the credit reporting body for credit checks and identity verification services. Rivwest discloses repayment history and default information to Equifax as required by the Privacy Act and Privacy (Credit Reporting) Code 2025.
• Signate Private Wealth Pty LtdminorChannel Partner/ Reseller/ DistributorSignate Private Wealth is a financial adviser through which some customers arrange their investments with Rivwest. Customer investments arranged through Signate are handled according to the adviser's relationship with Rivwest.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Resimac: Australian non-bank lender (residential and asset finance) funded via securitisation. Comparable as a wholesale-funded, non-depository lender originating through broker and direct channels, including regional Australia.
• Pepper Money: Australian non-bank lender specialising in non-conforming residential, asset finance and small-business loans. Comparable in direct-lending model, customer overlap (self-employed, regional, complex borrowers) and product breadth, though materially larger and PE-backed.
• Mortgage Choice: Australian mortgage broker (owned by REA Group) with a national franchise of brokers originating home and investment loans. Directly comparable to Rivwest's mortgage-brokering arm and its access-to-multiple-lenders model, though materially larger in scale.
• Firstmac: Large Australian non-bank lender and RMBS issuer with residential, asset and deposit funding. Comparable as a privately held, securitisation-funded non-bank lender with broker and direct origination across Australia.
• Liberty Financial: Australian non-bank lender offering residential, commercial, asset and personal loans with broker and direct distribution. Closely comparable product set to Rivwest (equipment, business, personal, home loans) and similar broker-channel dependence.
• Bluestone Mortgages: Australian non-bank lender focusing on non-conforming residential and self-employed borrowers, funded via securitisation. Comparable in target customer (complex, regional, self-employed borrowers) and wholesale funding model.
• Loan Market Group: Large Australian mortgage-broker aggregator with broker franchisees originating home loans across multiple lenders. Comparable in business model — multi-lender panel access, commission-based revenue — and in target customer base of consumers and small businesses.
• AFG (Australian Finance Group): ASX-listed mortgage aggregator and securitisation-issuer servicing a national broker network, including funding through residential mortgage-backed programs. Comparable to Rivwest as a hybrid broker/wholesale-funder model with secured-note-style funding.
• Aussie Home Loans: Major Australian mortgage broker (owned by CBA) with retail store network and broker panel. Directly comparable on broker-led home loan origination and small-business lending, though operates at significantly greater scale and brand recognition.

Broad incumbents

• Regional Investment Corporation: Australian Government-backed financier of farm business and rural small loans. Comparable in regional/rural customer focus and agri-finance product, but operates as a policy instrument rather than a commercial competitor and at a much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/rivwest_finance

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 Rivwest Finance