Green & Gold Enterprises Pty Ltd

What Green & Gold Enterprises Pty Ltd does

Green & Gold Enterprises Pty Ltd, operating as Green Gold Finance, is an Australian non-bank financial services company established circa 2005 and headquartered in Suite 904, 84 Pitt Street, Sydney NSW. The firm operates as a mortgage brokerage and insurance advisory, generating revenue primarily through lender-paid commissions on loans arranged and referral commissions on insurance products placed, supplemented by advisory fees for complex commercial structuring. Its product suite spans residential mortgages (home, construction, investment, SMSF, low-doc), commercial finance (equipment, SMSF commercial, low-doc commercial, cash flow and trade finance, commercial property), private/hard-money lending (fast equity release, private construction, bridging finance, equity facility), and five lines of insurance advisory. The firm also publishes 23 online financial calculators as lead-generation tools.

The company serves primarily Australian SMBs and individual borrowers across the residential, commercial, and private/hard-money segments, including self-employed and credit-impaired borrowers, SMSF trustees, and property investors. Disclosed case-study customers include a construction rebar supplier, an aged-care family (via Power of Attorney), a retail property owner with a $1.2M property, and a Brisbane registered builder securing a $1.92M construction loan. Distribution is hybrid: in-person consultations in Sydney and remote advisory nationwide, supported by a WordPress website with content marketing, social media presence on Facebook/Instagram/LinkedIn, and a newsletter funnel.

Leadership is concentrated under Director Rajeev Shirodkar, with a small named management team (Head of Finance Aruni Wijeweera, Finance Manager Dush Perera, Senior Mortgage Executive Divya Sharma, Mortgage Manager Sepali Fernando). The company claims 20+ years of combined industry experience and a 4.5/5 customer rating from a small review sample. No external investors, funding rounds, M&A activity, regulatory actions, or patented technology are disclosed. The firm appears to be founder/management-owned with a horizontal, segment-diversified go-to-market rather than a vertical-specialist or scaled broker model.

Name

Green & Gold Enterprises Pty Ltd

Legal name

Green & Gold Enterprises Pty Ltd

Website

https://greengoldfinance.com.au

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Green & Gold Enterprises Pty Ltd (Green Gold Finance) is an Australian mortgage brokerage and insurance advisory founded circa 2005, serving residential borrowers, SMEs, SMSF trustees, and credit-impaired borrowers nationwide from its Sydney headquarters via a multi-lender panel model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage and Financial Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Green/Ethical/Sustainable Neobanks (FSABAFAI)

Keywords

• Mortgage brokerage
• Residential home loans
• Commercial lending
• Insurance advisory
• Private lending

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Arrangement Fees and Interest Margins: Green & Gold Finance generates revenue through arrangement fees on loans they facilitate, as well as interest margins earned on financed products. As a broker, they connect borrowers with lenders and earn commissions from lenders for placing loans.
2. Insurance Referral Commissions: The company offers insurance products (Home Building, Business, Contents, Motor, Landlord Insurance) through referral arrangements with insurance providers and earns commissions on policies placed.
3. Advisory and Consultation Fees: The company offers free initial consultations but charges for strategic financial planning and advisory services for commercial clients seeking complex loan structures.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Green & Gold Enterprises Pty Ltd, operating as Green & Gold Finance, is an Australian non-bank mortgage and insurance brokerage that connects residential borrowers, commercial borrowers, SMSF trustees, and asset-rich individuals with a panel of lenders and insurance providers. The company facilitates residential home loans, construction loans, investment loans, SMSF loans, low doc loans, commercial finance, equipment finance, cash flow and trade finance, commercial property finance, private/hard money loans, and a range of insurance policies, earning commissions from lenders and insurers on placements.

Product overview

Green & Gold Finance operates as a comprehensive financial services firm offering an integrated suite of lending, insurance, and financial planning products. The core offering comprises residential mortgage products (Home Loan, Construction Loan, Investment Loans, SMSF Loan, Low Doc Home Loan), commercial lending solutions (Commercial Finance, Equipment Finance, SMSF Commercial Loans, Low Doc Commercial Loans, Cash Flow and Trade Finance, Commercial Property Finance), and private/hard-money loan options (Fast Equity Release, Private Construction, Bridging Finance, Equity Facility). The company also provides insurance advisory services (Home Building, Business, Contents, Motor, Landlord Insurance) and a suite of financial calculators. All products are offered with transparent pricing, no ongoing fees, and access to a wide panel of lenders, with services available nationally through both online and NSW-based in-person channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Home Loan Standard home loan product for owner-occupied residential properties, offering low variable interest rates, flexible Principal & Interest or Interest Only repayment options, and LVR up to 95% with Capital LMI. For individual Australian homebuyers and owner-occupiers.
• Construction Loan (Residential) Stage-based construction financing that releases funds aligned with building milestones from slab through to completion, supporting both owner-occupiers and investors building residential property.
• Investment Loans Tailored loan products for property investors to purchase or refinance investment properties, with loan amounts from $100,000 and LVR up to 95%. For individual residential property investors.
• Self Managed Super Fund (SMSF) Residential Loan Residential SMSF loan enabling trustees to purchase property within their Self-Managed Super Fund, with minimum borrowing of $100,000 and flexible repayment structures. For SMSF trustees.
• Low Doc Home Loan Home loan designed for self-employed and non-traditional borrowers who cannot provide standard income documentation, using alternative verification such as bank statements or BAS. For self-employed individuals and contractors.
• Commercial Finance Strategic financial planning and advisory service for businesses seeking to manage cash flow, plan expansion, or prepare for investment, with tailored debt structuring solutions. For Australian SMEs and commercial borrowers.
• Equipment Finance Commercial lending solutions for businesses to finance equipment purchases, with access to a broad panel of commercial lenders from major banks to specialist funders. For Australian businesses needing equipment capital.
• SMSF Commercial Loans Specialised loan products enabling Self-Managed Super Funds to borrow for commercial property purchases, with ATO-compliant structures and competitive interest rates. For SMSF trustees acquiring commercial property.
• Low Doc Commercial Loans Flexible commercial lending for self-employed borrowers who lack full financial statements, using alternative documentation such as BAS, bank statements, or accountant declarations.
• Cash Flow and Trade Finance Comprehensive working capital solutions including cash flow lending, invoice finance, trade finance for local and international suppliers, and supply chain finance. For SMEs managing working capital.
• Commercial Property Finance

Quantifiable outcome

• Residential loan approvals within 48-72 business hours
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• Firstmac: Major Australian non-bank lender with a large residential and asset finance loan book distributed partly via brokers. Comparable to Green & Gold as a counterparty lender for the broker's panel; overlaps in low-doc and SMSF residential lending.
• Liberty Financial: Large Australian non-bank lender offering residential mortgages, SMSF loans, and commercial finance via broker channels. Comparable to Green & Gold as a provider of non-bank lending options the broker places with; overlaps as a broader incumbent in the same non-bank lending space.

Direct peers

• Lendi: Australian online mortgage broker using technology-driven comparison and lender panel aggregation. Comparable to Green & Gold as a multi-lender residential broker; competes primarily on digital UX rather than advisory depth or eco-branding.
• Mortgage Choice: ASX-listed Australian mortgage broker with a national franchise network offering residential and commercial lending solutions. Directly comparable to Green & Gold as a panel-based broker serving retail borrowers and SMEs; Mortgage Choice operates at materially greater scale and brand recognition.
• Mortgage Ezy: Australian non-bank lender and broker specialising in residential and SMSF loans with flexible low-doc and non-standard borrower products. Directly comparable to Green & Gold's specialisation in non-traditional borrowers (low doc, SMSF) and similar niche positioning within the Australian broker market.
• Aussie Home Loans: One of Australia's largest mortgage broking brands with a national branch network and lender-panel aggregation model. Directly comparable to Green & Gold as a multi-channel broker serving residential borrowers, but at vastly larger scale and without the green-eco positioning.
• Better Choice Home Loans: Australian mortgage broking franchise offering residential, investment, and SMSF loans through a panel of lenders. Directly comparable to Green & Gold's residential + SMSF + investment lending focus, with similar mid-market positioning and franchise-style distribution.
• Uno Home Loans: Online-first Australian mortgage broker using technology and lender-panel comparison to serve residential borrowers. Comparable to Green & Gold as a panel-based broker; contrasts as a digital-native competitor that pressures traditional brokers on user experience and speed.

Regional players

• Astute Financial Management: Australian financial advisory and lending brokerage with a strong NSW presence and a panel of lenders across residential and commercial finance. Comparable to Green & Gold as an advisory-led multi-product broker serving similar customer segments in the Sydney/NSW geography.

Emerging players

• Resi Home Loans: Digital Australian mortgage broker offering residential loan comparison and panel-based lending through an online platform. Comparable to Green & Gold's residential broker core; positioned as an emerging tech-enabled competitor in the same target market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/GGgreengold
• LinkedInlinkedin.com/company/green-gold-enterprises-pty-ltd
• Instagraminstagram.com/@financegreengold

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 Green & Gold Enterprises Pty Ltd