We're a team of Australian non-bank lending and SME experts.

We're on a mission to improve the lives of Australians by providing fast, flexible & simple lending solutions to empower them to achieve their greatest dreams and aspirations, when the finance is most needed.

We’re making lending simpler, faster — and most importantly, more accessible for self-employed Australians.

Our motto of 'lean on us' defines what we are all about, giving SME and self-employed Australian access to competitive finance to meet their immediate needs.

Whether a small business owner is looking for a flexible home loan or finance to buy a new piece of critical equipment, or is tired of being given the run around by banks and other lenders incapable of understanding their personal financial situation.

Our success is measured by their success in getting access to credit when they need it.

Azora for finance brokers.

We primarily distribute our products through a core group of loan experts that are accredited with us. We work with a group of highly professional, customer-focused brokers who conduct themselves responsibly. Learn more about our broker offering.

Azora home loans for mortgage brokers


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Azora asset finance for equipment finance brokers


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The Azora referral program for finance brokers


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Our values take the lead


We strive to be better every day, in every way.

Earn trust

We are honest, transparent and accountable. We act with the utmost integrity and deliver on what we set out to do. We treat everyone with dignity, fairness & respect and conduct our business with the highest level of ethical standards. We believe trust comes by earning it, not by expecting it.

Be bold

We challenge the status quo and are inspired by change and innovation. We don't just want to be in the race but want to set the pace. We're optimists and start with a 'yes'. That way, the possibilities are endless.

We care

We are passionate about what we do and show unconditional commitment to our customers, team members and partners. We strive to make a positive difference to people's businesses and people's lives - it's what gets us up in the morning.

Meet the team

We are led by Australian finance industry veterans with the experience and the imagination to build something better from the ground up.

Patrick Tuttle

Patrick Tuttle

Executive Director

In a career spanning more than 30 years, Patrick is a veteran of the Australian financial services industry having worked for and led a range of blue-chip institutions including Price Waterhouse, Macquarie Bank and Pepper Group. He was Australian Managing Director and Co-Group CEO of Pepper Group (ASX:PEP) from 2007 to 2017. Patrick is a non-bank lending and debt capital markets specialist. He is also a former Deputy Chairman of the Australian Securitisation Forum (“ASF”) and current Non-executive Chairman of COG Financial Services Limited (ASX:COG) and Openpay Group Limited (ASX:OPY).

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David Holmes

David Holmes

Executive Director

As one of Australia’s most renowned credit specialists in consumer, residential and SME lending, David has over 35 years experience in senior banking, credit and operational roles. He is a pioneer of the Australian non-conforming mortgage market and was instrumental in the development and growth of Pepper as Group Head of Credit and COO for nearly 17 years. Prior to joining Pepper, David was a pioneer of the specialist mortgage lending market in the UK with Preferred Mortgages. He also held senior credit and management roles with Citibank and Nationwide UK.

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Philip Sullivan

Philip Sullivan

Executive Director

Philip is a driven and highly professional senior executive with a strong financial services background and more than 20 years’ experience in debt and equity capital markets, M&A, structured finance, financial risk management, investment management and accounting. He is a chartered accountant and chartered financial analyst, and has previously held senior executive and treasury management roles with Macquarie Bank, Virgin Australia, Allco Finance, Fitch Ratings and Arthur Andersen.

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Tim Odillo Maher

Tim Odillo Maher

Executive Director

Tim was appointed Executive Director of FSA Group Ltd on 30 July 2002. Tim holds a Bachelor of Business Degree (majoring in Accounting and Finance) from Australian Catholic University and is a Certified Practising Accountant.

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We’re looking for the best people to solve the hardest problems in non-bank lending.

Azora brings together lending experts, sales, marketing and support staff from the finance industry and beyond. Our cross-functional teams bring forward thinking and the latest technology together to design new solutions that work better for the self-employed and SMEs.

We’re looking for helpful, humble, and hardworking professionals with high standards to join our growing team.

See open positions