3Finance

What 3Finance does

3Finance is a privately held Australian mortgage and finance broking firm headquartered in Swansea, Australia, founded in 2003. The company arranges finance on behalf of a diverse client base including home buyers, property investors, businesses, developers, and equipment purchasers, acting as an intermediary between borrowers and lenders rather than lending on its own balance sheet.

The firm operates at a micro scale, with between 1 and 10 employees, and runs as a for-profit private company. Its core activity is broking — sourcing and structuring loan products across multiple lender panels — across residential mortgages, investment property loans, commercial finance, development finance, and equipment finance. The input data does not disclose any proprietary technology platform, lender panel composition, CRM tooling, or digital origination infrastructure, suggesting the business is primarily relationship-driven rather than technology-enabled.

Revenue mechanics are not disclosed in the input, but standard broking economics apply: the firm would earn upfront and/or trail commissions on settled loans. No pricing model, fee schedule, or transaction-volume data is available. No funding rounds, acquisitions, partnerships, awards, leadership hires, or geographic expansion events are documented in the supplied data, and one secondary source returned only a loading/verification screen with no substantive company information.

Name

3Finance

Website

https://3finance.com.au

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

3Finance is a small, privately held Australian mortgage and finance broking firm based in Swansea, founded 2003, arranging loans for home buyers, investors, businesses, developers, and equipment purchasers.

Ownership category

akta.pro rank

Product category

Mortgage and Finance Broking

NAICS

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

SIC

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

akta.pro primary industry

Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG)

akta.pro secondary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

Keywords

• Mortgage broking
• Finance broking
• Home loans
• Commercial finance
• Equipment finance

Headquarters

HQ city

Swansea

HQ country

Australia

HQ region

Oceania

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Core offering

3Finance provides mortgage and finance broking services for home buyers, investors, businesses, developers, and equipment purchasers. The firm acts as an intermediary between clients and lenders, sourcing residential, investment, commercial, development, and equipment loans.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage and Finance Broking Brokerage service that sources and arranges mortgage and finance loans on behalf of home buyers, investors, businesses, developers, and equipment purchasers through third-party lenders.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Emerging players

• Wisr: Australian digital lender and credit platform competing with traditional brokers via direct consumer lending, presenting a structural disintermediation risk to brokerage models like 3Finance.
• OwnHome: Australian fintech offering an alternative home-purchase pathway that competes with traditional mortgage brokers for first-home-buyer demand — an emerging adjacent competitor.

Direct peers

• Shore Financial: Australian mortgage broking firm focused on home loans and investment property finance, with comparable residential-broker orientation to 3Finance.
• Astute Financial Management: Australian mortgage and finance broking network providing home, investment, business and equipment loans — overlapping 3Finance's diversified finance offering.
• Aussie Home Loans: One of Australia's largest mortgage and finance brokers, offering home loans, investment loans, business and equipment finance — directly overlapping 3Finance's segment mix at significantly greater scale.
• Yellow Brick Road: Australian mortgage, finance and wealth advisory business serving home buyers, investors and businesses with a comparable multi-segment brokerage model.
• Resolve Finance: Independent Australian mortgage and finance broker offering home, investment, business and equipment finance — a close functional peer to 3Finance.
• Mortgage Choice: National Australian mortgage broker network serving home buyers and investors, with comparable brokerage services and a similar franchise-style broker model.
• Loan Market Group: Large Australian mortgage and finance broking group with a national broker network, offering home, investment, business and equipment finance directly comparable to 3Finance's offerings.

Broad incumbents

• Australian Finance Group (AFG): ASX-listed mortgage aggregation group providing brokers with lender access, technology, and panel support — a broader incumbent in the same mortgage broking ecosystem.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat2 records

Key risks4 records

Key highlights4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 3Finance