Probiz Finance

What Probiz Finance does

Probiz Finance is a Melbourne-based finance brokerage founded in 2022 by Pooja Choudhary, operating as a credit representative under Australian Credit Licence No. 384704. The firm acts as an intermediary between Australian SMEs, self-employed individuals, property investors, and healthcare professionals on one side and a panel of 50+ lenders — including all major Australian banks (NAB, ANZ, CBA, Westpac, Macquarie, ING, Suncorp, AMP) and non-bank specialists (Resimac, La Trobe Financial, Better Choice) — on the other. Core offerings span business loans (up to $30M), asset finance (up to $20M), commercial and residential property loans (up to $50M), SMSF property loans, working capital/overdraft facilities, invoice finance, low doc loans, and trade finance, with a dedicated healthcare and pharmacy finance vertical covering practice purchase, equipment, commercial property, SMSF, and fit-out financing.

The business model is pure intermediation: the broker earns commission paid by the lender on each settled loan, with no fee to the borrower. The company is sales-led, with customer acquisition driven by SEO-optimised service pages, an active educational blog, free online loan and stamp duty calculators (covering all 8 Australian states/territories), Google reviews, and direct enquiry channels (phone, WhatsApp, website forms). The technology stack is entirely third-party — WordPress with Flamingo forms, GoHighLevel for appointment management, and Trustindex for review display — with no proprietary platform or API. The company is MFAA Accredited and an AFCA member, with 1-10 employees, founder-led operations, and no disclosed external funding or institutional investors.

Name

Probiz Finance

Legal name

Probiz Finance

Website

https://www.probizfinance.com.au

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Probiz Finance is a Melbourne-based finance brokerage that intermediates between Australian SMEs, self-employed individuals, property investors, and healthcare professionals and a panel of 50+ lenders, earning lender-paid commission on settled business, asset, commercial, and SMSF loans.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Commercial loan brokerage
• Business finance broker
• Asset finance services
• SMSF property lending
• Pharmacy finance specialist

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission (Intermediation Fees): Probiz Finance acts as a credit representative authorised under Australian Credit Licence No. 384704. As a finance broker, the company earns commission payments from lenders on its panel when a loan is settled. The fee is paid by the lender — not the borrower — making the service free to customers. The company also notes 'Broker fees paid by the lender — free to you.' Commission is typically a percentage of the loan amount or a fixed referral fee per settlement.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Probiz Finance is an Australian finance brokerage that intermediates between borrowers and a panel of 50+ lenders, arranging business loans, asset finance, commercial and residential property loans, SMSF property loans, invoice finance, working capital facilities, low doc loans, trade finance, and specialist healthcare/pharmacy finance. The company is paid via lender commissions on settlement, so the brokerage service is free of charge to the customer, with loan sizes ranging from working capital up to $50 million.

Product overview

Probiz Finance is a Melbourne-based finance brokerage that acts as an intermediary between borrowers and lenders, offering access to a panel of 50+ lenders including major banks, non-banks, and specialist lenders. The company provides a comprehensive portfolio of financial products centred around business lending, asset finance, and property finance. Core offerings include Business Loans (secured and unsecured, up to $30M), Asset Finance (up to $20M), Commercial Loans (up to $50M), Residential Loans (up to $50M), SMSF Property Loans (up to $50M), Investment Property Loans, Working Capital/Overdraft Facilities, Invoice Finance, Low Doc Loans, Trade Finance, and Construction Finance. Specialised verticals include Healthcare Finance and Pharmacy Finance with sub-products for practice purchase, equipment, property, SMSF, and fit-out financing. Digital tools include a Loan Calculator supporting all loan types with full amortisation schedules and a Stamp Duty Calculator covering all Australian states. The company delivers fast approvals (often 24-72 hours) through its extensive lender network, targeting Australian SMEs, self-employed individuals, and medical professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans Flexible business funding solutions for SMEs, including secured and unsecured options, with loan amounts up to $30 million and terms up to 30 years, sourced from a panel of 50+ lenders.
• Asset Finance Equipment and asset financing for vehicles, machinery, technology, and business equipment up to $20 million, where the asset itself acts as security, with indicative terms up to 10 years and flexible balloon options.
• Commercial Loans Commercial property financing for purchasing or refinancing offices, warehouses, industrial, and retail space up to $50 million with LVR up to 70-80% and terms up to 30 years.
• SMSF Property Loan Limited recourse borrowing arrangements (LRBA) for self-managed super funds to purchase property, with specialist lenders and ATO compliance requirements, terms up to 30 years and loan amounts up to $50 million.
• Investment Property Loan Finance for property investment purposes, enabling purchase or refinancing of investment properties with access to 50+ lenders offering variable and fixed rates.
• Overdraft / Working Capital Loan Cash flow solutions to bridge funding gaps, including revolving credit facilities and overdraft arrangements for businesses, with indicative settlements within 24-48 hours.
• Invoice Finance Debtor finance allowing businesses to borrow against outstanding invoices, enabling payment to suppliers within 24-48 hours of authorisation.
• Low Doc Loan Low documentation loans for self-employed individuals and business owners with minimal paperwork requirements, with access to lenders that offer alternative documentation options.
• Healthcare Finance Tailored financial services for medical professionals including doctors, dentists, specialists, and allied health practitioners, covering practice purchase finance, equipment finance, commercial property finance, SMSF finance, and fit-out finance for healthcare practices.
• Pharmacy Finance Specialist pharmacy finance recognising PBS revenue, script volume, and dispensary goodwill as real security for lending purposes, including franchise pharmacy finance for Chemist Warehouse, Priceline, and Terry White.
• Trade Finance Tools for managing domestic and international supplier payments, including FX rates, vendor finance, and project finance solutions.
• Residential Loans Owner-occupied and investment home loans up to $50 million including low-doc options for self-employed, with variable and fixed rates available across 50+ lenders.
• Construction & Property Development Finance Finance for construction projects and property development ventures.

Named customers9 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

Integration3 records

Partnerships

Two partnerships are on record, tiered core.

• MFAA (Mortgage & Finance Association of Australia)coreOthersProbiz Finance is MFAA Accredited — a member of the Mortgage & Finance Association of Australia. MFAA accreditation signifies professional standards, ongoing education, and compliance with industry codes of practice. Displayed as a trust badge on the website footer.
• AFCA (Australian Financial Complaints Authority)coreOthersProbiz Finance is a member of AFCA — the Australian Financial Complaints Authority — which provides free, fair, and independent dispute resolution for financial complaints. Customers can escalate complaints to AFCA if not resolved directly. Displayed as a trust badge on the website footer.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mortgage Choice: One of Australia's largest mortgage broker franchise networks, offering residential, investment, and business lending comparison across a broad lender panel. A scaled incumbent against which Probiz Finance competes for SME and individual borrowers, with significantly larger brand and franchise footprint.
• Aussie Home Loans: Major Australian retail mortgage broker (owned by Commonwealth Bank) with a large franchise network and broad lender panel. Comparable to Probiz Finance in brokering business and home loans, but operates at vastly greater scale and brand recognition.
• Loan Market Group: Large Australian mortgage broker aggregator and franchise network arranging residential and commercial finance. A scaled competitor chasing similar SME and property investor segments that Probiz Finance targets, with broader geographic coverage.
• Yellow Brick Road: Australian financial services group offering home loans, commercial lending, and wealth management through branches and brokers. Comparable to Probiz Finance on commercial and SME lending, with a broader financial services portfolio.

Direct peers

• Mortgage Ezy: Online-first Australian mortgage broker arranging home and investment loans across a multi-lender panel. Closely comparable to Probiz Finance's residential and investment property finance offering, with a similar digital-led, multi-lender brokerage model.
• Astute Ability Finance: Australian commercial finance broker arranging business loans, equipment finance, and commercial property loans for SMEs. A close comparable to Probiz Finance on the business and commercial lending side, with a similar boutique multi-lender brokerage model.
• Finance One: Australian specialist asset and consumer finance lender offering vehicle and equipment finance. Comparable to Probiz Finance's asset finance vertical as a specialist provider, though it operates as a direct lender rather than broker.

Others

• Connective Home Loans: Australia's largest mortgage broker aggregator, providing infrastructure, lender panel access, and compliance support to independent brokers. Comparable because Probiz Finance operates a similar per-broker aggregator/lender relationship structure at micro scale.
• AFG (Australian Finance Group): Major Australian mortgage and asset finance aggregator offering brokers access to lender panels, technology, and commission processing. Comparable to Probiz Finance as an enabler layer in the same broker-to-lender value chain, but at vastly greater scale.
• Liberty Network Services: Australian non-bank lender and broker aggregator providing asset finance, residential, and commercial lending products. Comparable to Probiz Finance as a non-bank lender partner on its panel, with broader aggregator infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/probizfinance
• LinkedInlinkedin.com/company/pro-biz-finance

Compliance5 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 Probiz Finance