Solvar (SVR) Investor Presentation summary

Strategic direction and growth initiatives

• Focus on empowering underserved markets with accessible, responsible, and flexible financial products, targeting scalable growth through organic expansion and strategic acquisitions, including a stake in Earlypay.

• Organic growth has resumed in Money3 and AFS after a period of review and software harmonization, with a new commercial business unit (Bennji) launched to drive group origination growth.

• Sustainable growth is pursued via expanded product offerings, leveraging distribution networks, and improving funding costs through efficient warehouse structures and term funding.

Product and market overview

• Offers secured and unsecured consumer loans ($2,000–$100,000), commercial asset finance ($20,000–$500,000), and targets both consumers and small-to-medium businesses.

• Money3 loan book is ~$626m (addressable market ~$37b, 5.5% CAGR), AFS ~$207m (addressable market ~$83b, 7% CAGR), Bennji ~$100k (addressable market ~$22b, 4.7% CAGR as of May 2025).

• Bennji, the new commercial lending arm, targets small business owners and tradies, offering fast approvals and flexible structures, expanding into broker networks and new revenue streams.

Distribution and operational channels

• Products are distributed via brokers, direct dealer relationships, revamped websites, partner sites, and social media platforms, covering a broad customer base across Australia.