What Cap Finance Solutions does

CAP Finance Solutions is an Australian finance brokerage firm headquartered in Maroochydore, Queensland (Sunshine Coast), founded in 2010 by Craig A Parker. The firm operates as a credit representative (CR No. 404998) of BLSSA Pty Ltd under Australian Credit Licence No. 391237, providing commercial and personal lending intermediation across four product categories: home and investment property loans, business finance, vehicle and equipment finance, and commercial property and development finance. The principal is the sole finance broker and brings 20+ years of business banking and home lending experience across ANZ, Esanda, Barclays, Suncorp-Metway, and Westpac, combined with a CPA accounting background.

The core operating model is that of a commission-based broker: the firm is accredited with more than 20 banks and lenders (including major, international, building society, credit union, and specialist lenders), uses lender-panel and aggregator software to search and compare loan products, and matches customer requirements to suitable lenders. No fees are charged to customers; revenue is earned solely from lender commissions on settled loans. The go-to-market is direct sales-led, with customer acquisition through the company website, the principal's social media presence (Facebook, Instagram as 'bankwhisperer', LinkedIn), and referrals from accountants, real estate agents, and other professional contacts. Membership in the Mortgage & Finance Association of Australia (MFAA) and Credit Ombudsman Service Limited (COSL) supports the firm's compliance posture.

The business is founder-owned and operated as a solo/small-team practice. There is no disclosed headcount, no institutional or external funding, no proprietary technology, no app, and no published revenue. The address disclosed is a PO Box (Maroochydore BC 4558), consistent with a relationship-led advisory practice rather than a high-volume retail operation. Compliance is in place for Australian Anti-Money Laundering and Counter-Terrorism Financing Act requirements and EU GDPR processing, indicating the firm handles both domestic and any prospective EEA-resident client data.

Name

Cap Finance Solutions

Legal name

CAP Finance Solutions

Website

https://capfin.biz

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

CAP Finance Solutions is an Australian finance brokerage based in Maroochydore, Queensland. Founded by Craig Parker, it brokers home, business, vehicle and equipment, and commercial property loans across 20+ accredited lenders, earning commission from lenders rather than charging customers.

Ownership category

akta.pro rank

Product category

Finance Brokerage Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

akta.pro secondary industry

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

Keywords

• Finance broking services
• Commercial lending brokerage
• Home loan broker
• Business loan brokerage
• Asset finance solutions

Headquarters

HQ city

Maroochydore

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. Commission from Lenders: Individual lenders pay a commission for the introduction of new business. There is no additional cost to the customer for using CAP Finance Solutions' services. The company operates as a credit representative of BLSSA Pty Ltd under Australian Credit Licence No. 391237.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Cap Finance Solutions is an Australian finance brokerage that intermediates between borrowers and a panel of more than 20 banks, building societies, credit unions, and specialist lenders. The company arranges home and investment property loans, business finance, vehicle and equipment finance, and commercial property and development finance on behalf of clients, using loan-comparison software to identify suitable products across lenders and submitting applications through mortgage aggregators. The principal personally assesses each customer's situation, affordability, and borrowing capacity to match them with an appropriate lender, with revenue earned via commissions paid by lenders rather than fees charged to customers.

Product overview

Cap Finance Solutions is a finance brokerage firm that acts as an intermediary between customers and banks/lenders. The company offers four main product categories: Home & Investment Property Loans, Business Finance, Vehicle & Equipment Finance, and Commercial Property & Development Finance. The core service involves using complex software to search loan options across multiple lenders, providing customers access to products from over 20 banks. The company specializes in finding the most appropriate financing solution tailored to individual circumstances, including specialized products like business loans at home loan rates, invoice factoring, and property development finance.

Differentiator

Problem solved

Functional benefit

Products and services

• Home & Investment Property Loans Mortgage and lending broking solutions for individuals purchasing or refinancing residential and investment properties. Includes variable rate loans, fixed rate loans, low deposit loans, interest-only loans, low documentation loans for self-employed borrowers, equity loans, lines of credit, and portfolio loans combining personal and investment finance. Sourced from a panel of 20+ banks, building societies, credit unions and specialist lenders across Australia.
• Business Finance Commercial lending broking for small to medium-sized businesses, including business loans at home-loan rates using residential security, lines of credit, overdrafts, portfolio loans, invoice factoring (up to 85% of invoice value within 24 hours), and cash flow finance. Designed to optimise loan structure for tax effectiveness and avoid premium business loan pricing.
• Vehicle & Equipment Finance Broking of vehicle and equipment financing through hire purchase, chattel mortgage, and lease finance structures, available for businesses and individuals. Settlements can be arranged within two business days, with no financial information required for property owners and rates typically lower than those offered by car dealers.
• Commercial Property & Development Finance Broking of commercial property loans for retail shops, industrial sheds, factories, offices, and shopping centres, plus finance for business owners purchasing their own premises and property development finance structured as draw-down facilities with interest capitalisation during construction.

Quantifiable outcome

• Customer saved $16,000 per year in interest by refinancing business loan

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

Four partnerships are on record, tiered core.

• More than 20 Banks and LenderscoreChannel Partner/ Reseller/ DistributorCAP Finance Solutions is accredited with more than 20 banks and has access to products from all of them. This includes major banks as well as building societies, credit unions and specialist lenders. The banks pay CAP Finance Solutions directly through referral arrangements.
• Mortgage & Finance Association of Australia (MFAA)coreOthersFull member of the Mortgage & Finance Association of Australia, evidencing commitment to ethical behaviour in finance.
• Credit Ombudsman Service Limited (COSL)coreOthersFull member of COSL, demonstrating commitment to ethical behaviour and dispute resolution standards.
• BLSSA Pty LtdcoreOthersCredit Representative (CR No.404998) of BLSSA Pty Ltd - Australian Credit Licence (ACL) No. 391237. This licensing arrangement enables CAP Finance Solutions to engage in credit activities.

Scale indicators1 record

Recent moves6 records

Expansion highlights2 records

Direct peers

• Lendi: Australian digital mortgage broker offering home loan comparison and origination online. Comparable business model — intermediating between borrowers and a lender panel — but delivered through a digital-first platform rather than a sole broker.
• Astute Financial Management: Australian finance broker offering home loans, business finance, vehicle/asset finance and commercial lending. Closely comparable multi-product brokerage competing for the same Australian SMB and consumer borrowers.
• Mortgage Choice: Listed Australian mortgage broker with a national franchise network. Directly comparable broker business focused on home lending, with similar commission-based revenue tied to lender introductions.
• Loan Market Group: Australian mortgage broker aggregator with a national franchise of individual brokers. Directly comparable intermediation model that earns commissions from lenders for arranged loans.
• Mortgage Ezy: Australian mortgage broker focused on home loans with a panel of lenders. Comparable consumer-facing intermediation business in the same broker category as CAP Finance Solutions.
• Aussie Home Loans: Australia's largest mortgage and finance broker retail network. Directly comparable as an intermediation business arranging home and investment loans across a broad lender panel, though operating at vastly greater scale.

Others

• LendingTree: US online lending marketplace that connects borrowers with multiple lenders. Adjacent ecosystem participant operating at much greater scale in a different geography; useful reference for the long-term trajectory of broker-style intermediation.

Regional players

• Habito: UK-based digital mortgage broker and lender. Comparable broker-style intermediation business in a different geography; useful as a benchmark for how technology-led brokers compete with traditional brokers.

Broad incumbents

• Australian Finance Group (AFG): ASX-listed mortgage aggregator providing lender panel access, technology, and compliance infrastructure to a large broker network. Comparable intermediation ecosystem, but operating as a broad wholesale-style incumbent rather than a niche broker.

Emerging players

• Uno Home Loans: Australian digital mortgage broker using technology to match borrowers with lenders. Comparable intermediation activity, but emerging and tech-led rather than relationship-led, representing a structural threat to traditional sole-broker models.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/capfin.biz
• LinkedInlinkedin.com/company/cap-finance-solutions
• Instagraminstagram.com/bankwhisperer

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 Cap Finance Solutions