What Even Financial does

Even Financial Pty Ltd is a privately held Australian finance brokerage headquartered in Melbourne, Victoria, operating as an Authorised Credit Representative (#546869). Founded in 2023 by Arron Oliver, a financial services practitioner with over 20 years of experience spanning Australia, New Zealand, China, Germany, and the United Kingdom, the firm intermediates between borrowers and a panel of lenders without taking balance-sheet risk. It serves individual consumers seeking personal loans and vehicle/recreational asset finance, as well as small-to-medium businesses requiring equipment finance, working capital, and commercial credit facilities.

The product portfolio is unusually broad for the firm's scale: on the consumer side, personal loans for cars, boats, and caravans; on the commercial side, chattel mortgages, hire purchase, finance and operating leases, sale and leaseback, novated leases, invoice finance, lines of credit, and import finance. Delivery is sales-led and consultation-driven, with customers reached through the company website (which hosts loan pre-qualification forms, Repayment and Loan Size calculators, and an articles section) and through organic social channels (Facebook, Instagram, LinkedIn, X). The technology stack is basic web infrastructure with Google reCAPTCHA form protection; no proprietary technology, API platform, mobile app, or data assets are disclosed.

Revenue is generated through broker/finder commissions paid by lenders on successfully placed transactions. Pricing is not publicly disclosed; customers are directed to contact the firm for personalized, no-obligation quotes. Industry credibility is signaled through memberships in the Commercial & Asset Finance Brokers Association of Australia (CAFBA #294728) and the Australian Financial Complaints Authority (AFCA #98234). With 1-10 employees, no disclosed funding or revenue, and operations confined to the Australian domestic market, Even Financial operates as a bootstrapped, founder-led brokerage whose growth is entirely dependent on the founder's referral pipeline and lender panel productivity.

Name

Even Financial

Legal name

Even Financial Pty Ltd

Website

https://evenfinancial.com.au

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Even Financial Pty Ltd is a Melbourne-based Australian finance brokerage that connects individual consumers and small-to-medium businesses with a panel of lenders across consumer loans, asset finance, and commercial credit products, earning transaction-based broker fees.

Ownership category

akta.pro rank

Product category

Finance Brokerage / Commercial and Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Finance brokerage
• Commercial lending
• Consumer loans
• Asset finance
• Vehicle financing

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage/Finder Fees: Even Financial generates revenue as a finance broker by earning commissions or fees from lenders when they successfully match customers with appropriate loan products. The company has access to a large panel of lenders and earns fees for facilitating commercial and consumer lending transactions.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Even Financial is an Australian finance broker that matches individual consumers and small-to-medium businesses with lenders from a curated panel, providing tailored solutions across consumer loans (cars, boats, caravans, personal expenses) and commercial lending (chattel mortgage, hire purchase, finance lease, operating lease, sale & leaseback, novated lease, invoice finance, line of credit, import finance). The company earns brokerage/commission fees from lenders upon successful matches, and supports customer engagement through online pre-qualification forms and loan/repayment calculators followed by personalized consultation.

Product overview

Even Financial is a finance broker offering a portfolio of financial products and loan types through access to a panel of lenders. The product portfolio includes Consumer Loan (personal financing for vehicles and recreational assets), Chattel Mortgage (asset-financed loans with tax benefits), Hire Purchase (installment-based asset purchases with ownership transfer), Finance Lease and Operating Lease (lease arrangements for equipment and assets), Sale & Leaseback (unlock equity from owned assets), Novated Lease (employer-assisted vehicle leasing via salary sacrifice), Invoice Finance and Line of Credit (cash flow funding solutions), and Import Finance (international trade financing). The company pairs these products with online pre-qualification tools and calculators to help customers find tailored finance solutions across commercial and consumer lending.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Loan A loan type that individuals can use to finance various expenses such as a car, boat, or caravan. Consumers make regular payments including principal and interest until the loan is fully repaid. Targeted at individual Australian consumers.
• Chattel Mortgage A financial product where a borrower purchases an asset and the lender provides a loan secured by a mortgage over the asset. The borrower owns the asset from the start and can claim tax deductions for interest and depreciation. Targeted at Australian businesses acquiring plant, equipment, or vehicles.
• Hire Purchase A finance arrangement where individuals or businesses pay in installments to purchase goods such as a car or equipment. The buyer hires the goods until the final payment is made, at which point ownership is transferred. Targeted at Australian consumers and businesses acquiring equipment or vehicles.
• Finance Lease A finance agreement where the lessor purchases an asset on behalf of the lessee and leases it back for an agreed period. At end of term, the lessee may choose to buy the asset, return it, or enter into a new lease agreement. Targeted at Australian businesses.
• Operating Lease A finance agreement where the lessor leases the asset to the lessee for a fixed period. The lessor retains ownership and the lessee pays regular rental payments which are generally tax-deductible. At end of lease term, the lessee returns the asset. Targeted at Australian businesses.
• Sale & Leaseback A transaction where a company sells an asset it owns to a third party and then leases it back. The company receives cash from the sale which it can use for other purposes, while making regular lease payments. Targeted at Australian businesses seeking to unlock equity from owned assets.
• Novated Lease An agreement between an employee, their employer, and a finance company whereby the employer agrees to make lease repayments on behalf of their employee. Contributions are made from pre-tax salary, reducing taxable income. Targeted at Australian employees seeking salary-sacrificed vehicle leasing.
• Invoice Finance A short-term funding mechanism where businesses use their outstanding invoices as collateral. The lender advances a percentage of the invoice value and collects payment from the customer when the invoice is due. Also known as debtor finance. Targeted at Australian businesses managing working capital.
• Line of Credit A flexible loan where a lender approves a maximum credit amount that a borrower can access on an as-needed basis. The borrower draws funds up to the approved limit and only pays interest on the amount borrowed. Targeted at Australian businesses requiring flexible access to working capital.
• Import Finance Financing solution for importing goods, enabling businesses to manage cash flow when bringing products across international borders. Targeted at Australian businesses engaged in international trade.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Three partnerships are on record, tiered core.

• Commercial & Asset Finance Brokers Association of Australia (CAFBA)coreOthersEven Financial is a member of CAFBA (Membership #294728), Australia's peak professional body representing Commercial and Asset Finance Brokers. Founder Arron Oliver is a member, providing industry recognition and adherence to professional standards.
• Australian Financial Complaints Authority (AFCA)coreOthersEven Financial is a member of AFCA (Membership #98234), which provides fair and independent resolution for financial complaints. This membership demonstrates commitment to consumer protection and dispute resolution.
• Panel of LenderscoreChannel Partner/ Reseller/ DistributorEven Financial has access to a large panel of lenders, allowing them to offer a broad range of financial products and match customers with the most suitable lender for their specific needs. This panel includes various financial institutions and credit providers.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Prospa: Prospa is an established Australian online lender providing small business loans, lines of credit and unsecured lending directly. While a direct lender rather than broker, it competes for the same SMB finance customers that Even Financial brokers to a panel.
• Plenti: Plenti is an Australian fintech lender offering automotive, renewable energy, and personal loans, plus a recently expanded broker channel. Comparable to Even Financial across consumer vehicle/equipment finance products.

Direct peers

• Lendi: Lendi operates an Australian digital home loan and personal loan comparison/brokerage marketplace connecting borrowers with multiple lenders. Comparable business model and target audience to Even Financial's online pre-qualification led approach.
• Mortgage Choice: Mortgage Choice is one of Australia's largest mortgage and finance broker networks, originating loan products via a panel of lenders. Directly comparable to Even Financial as a domestic Australian loan broker channeling consumers and SMBs into third-party credit.
• Loan Market Group: Loan Market is an Australian mortgage and finance brokerage aggregator with a large panel of lenders and broker franchise model. Direct competitor to Even Financial on Australian loan intermediation.
• Aussie Home Loans: Aussie is a major Australian retail mortgage and finance broker with extensive lender panel access and a large branch/online distribution network. Comparable to Even Financial in business model (broker intermediating borrowers to lenders) and in serving Australian consumer/SMB lending demand.

Others

• Finance Brokers Association of Australasia (FBA) members / Aggregators: FBAA is Australia's industry body for finance brokers, of which many aggregation groups (e.g., Astute, PLAN, FAST) are members. Comparable ecosystem participants to the broader CAFBA-aligned broking community Even Financial operates within.

Emerging players

• Joust: Joust is an Australian commercial finance marketplace specifically targeting brokers and businesses across equipment finance, asset finance, and commercial lending. Highly comparable to Even Financial's SMB/asset finance product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/EvenFinancial
• Facebookfacebook.com/100091451705087
• LinkedInlinkedin.com/company/even-financial
• Instagraminstagram.com/even.financial

Compliance2 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 Even Financial