Best Alternative Lending Companies in Victoria, Australia
The 58 best Alternative Lending companies in Victoria, Australia in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Latitude Financial Services.
Ranked: Best Alternative Lending companies in Victoria
| # | Company | Last round | Disclosed funding | Stage | Employees | Founded | Founder | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Aqua Fs It assists clients in achieving their financial goals | — | — | Unfunded | — | 2012 | — | — |
| 2 | AutoCarLoans Online B2C marketplace for auto loans | — | — | Unfunded | — | 2015 | Andrew Tushuizen Co-Founder | — |
| 3 | AutoCarLoans.com.au Comparison portal for car loans | — | — | Deadpooled | — | 2014 | Andrew Tushuizen Co-Founder & Director | — |
| 4 | Digital Finance Solutions Provider of mortgage and refinancing services for residential and investment properties | — | — | Unfunded | — | 2025 | Corry Cincotta Owner | — |
| 5 | Factorium Online marketplace for invoice financing | — | — | Deadpooled | — | 2019 | Moresh Kokane Co-Founder & CEO | — |
| 6 | fast FAST is a commercial and asset finance specialist that provides lending services for residential, business… | — | — | Acquired | 40 | 2000 | — | — |
| 7 | Fifo Capital Online invoice factoring platform. | — | — | Funding Raised | 51 | 2008 | Nigel Thomson Founder | — |
| 8 | HoLo Digital home loan platform | — | — | Unfunded | — | 2017 | Justin Dickinson Co-Founder | — |
Top 12 Alternative Lending companies in Victoria
#1
Acquired · Melbourne, Victoria · founded 2014 · 7 employees$60Mraised▾
MoneyPlace is an online P2P marketplace and will provide consumer loans of between $5000 and $35,000 on three-year fixed terms. Currently it has a credit license, enabling it to lend to borrowers, and is awaiting financial services license, which will enable the company to receive money from investors.
- Dec 2023Series B—
- Dec 2015Series A$60M
#2
Series C · Melbourne, Victoria · founded 2014$60.3Mraised▾
Incredo provides lenders a tool which delivers a secure way to retrieve and assess the customer’s bank statements and overview of their customer’s financial position. It automates the processes for assessing a credit applicants financial position. The borrower's bank account data is retrieved and converted into a customised report that breaks down critical information, relevant to the credit product, into categories. It allows Credit Provider’s to set their high-level lending criteria into its analytical engine which allows for customised and tailored reporting.
- May 2023Series C$30M
- Jun 2019Series B$22M
- Mar 2019Grant (prize money)$56.7K
- Oct 2018Grant (prize money)$19.2K
#3
Series A · Melbourne, Victoria · founded 2016 · 54 employees$119.7Mraised▾
Provider of credit line for businesses
- Jul 2023Conventional Debt$451M
- Feb 2019Series A$119.7M
- Feb 2019Conventional Debt—
#4
Series D · Abbotsford, Victoria · founded 2019 · 37 employees$12.2Mraised▾
Provider of an app-based platform providing banking solutions and home loans to consumers. It provides users with a lending platform which acts as a marketplace connecting banks and other lenders with borrowers for residential mortgages.
- May 2023Series D$2.5M
- Jul 2022Series C$3M
- Nov 2020Series A$2.7M
- Jul 2020Series A$4M
#5
Seed · Victoria · founded 2021 · 5 employees$1.1Mraised▾
Provider of multiple finance services for farms. It provides capital for cash flow and risk management. It supports farmers within the livestock, oyster, beekeeping, fruit, eggs, and cropping sectors.
- Mar 2023Seed$1.1M
#6
Acquired · Hawthorn, Victoria · founded 2018 · 16 employees$36Mraised▾
Online marketplace for consumer loans. It offers multiple consumer loan products including personal loans, debt consolidation loans, credit card refinancing, car loans, medical loans, travel loans, home improvement loans, and more with customized terms, amounts, and repayment options. Users must add the required details and apply for the loan. Once approved, the funds are transferred to the registered bank account.
- Feb 2021Series D$15M
- Dec 2019Series C$11M
- Oct 2019Conventional Debt$57M
- Jan 2019Series A$10M
#7
Acquired · Melbourne, Victoria · founded 2014$35.4Mraised▾
Provider of buy now, pay later services with flexible options. It facilitates installment payments for purchases. The service allows consumers to acquire goods and services immediately and pay for them over a defined period. It offers options for different regions and languages.
- Aug 2020Post IPO—
- Aug 2020Post IPO$136M
- May 2020Post IPO$254.7M
- Nov 2019Post IPO$135.9M
#8
Acquired · Hawthorn East, Victoria · founded 2016 · 64 employees$24Mraised▾
Provider of buy now, pay later plans for retail purchases. The company facilitates payment plans for consumers, allowing them to spread costs over time. It offers options for both smaller and larger purchases through its network. The company provides a mobile application for managing transactions and updating payment details.
- Jul 2020Series B$12M
- Jul 2019Series A$5M
- Jul 2019Conventional Debt$22M
- Mar 2019Series A$7M
#9
Series D · Melbourne, Victoria · founded 2013 · 64 employees$45.1Mraised▾
Moula is an Australia-based online lending platform for working capital loans of up to $100,000 to SMBs. The usual tenor for loans is 6 months, however it can be further extended on a case-to-case basis.
- Dec 2019Series D$20M
- Mar 2019Conventional Debt$250M
- Jun 2015Series A$23.1M
- 2014Seed$2M
#10
Acquired · Collingwood, Victoria · founded 2016 · 47 employees$30Mraised▾
Platform for advertisement financing. It offers financing for real estate advertisement campaigns based on the estimated sales price. It also offers pay now or pay later options that enablez monthly repayments, financing without credit checks, and more.
- Feb 2021Series B$13.3M
#11
Series A · Melbourne, Victoria · founded 2014 · 18 employees$5.5Mraised▾
Timelio is an online platform that provides invoice based financing to businesses in Australia. It finances invoices starting from A$10,000 for a time period of 30-120 days. Only accredited and institutional investors are allowed to invest on the platform with a minimum investment amount of $25,000.
- Oct 2021Conventional Debt$270M
- Sep 2017Angel—
- Oct 2016Series A$5M
- Oct 2015Seed$500K
#12
Public · Melbourne, Victoria · founded 2015 · 1350 employees$232.3Mraised▾
Consumer loans provider
- 2015Seed—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.