A structural bet on Australian non-bank auto finance.
AIF is raising a $5M Seed round to fund ACL, platform, team and early portfolio.
A large, structurally fragmented market.
Australian auto finance originations run $35-45B annually. The exit of major banks from dealer-introduced auto lending has shifted origination toward non-bank lenders – and toward broker-intermediated distribution that continues to grow. AIF targets the near-prime and commercial segments where major-bank appetite is thin and risk-adjusted margins are widest.
Aligned distribution, not paid distribution.
Every auto finance platform faces the same question: how do you acquire quality origination without a marketing budget you can never win? AIF’s answer is structural – brokers become co-owners of the first-loss equity in the funding trust, converting distribution partners into aligned capital participants. No incumbent offers this.
Conservative modelling; multiple ways to win
Under the standard forecast, the company grows enough to deliver solid, nearly identical returns for both early (Seed) and second-stage (Series A) investors when it is sold down the road. If things go better than expected, those investor payouts could jump significantly higher. To keep the math realistic, the business plan assumes predictable fixed costs while keeping income flexible – a safer, more cautious way to project growth.
Materials available on request:
- Financial model
- Data room
- Founder introduction call