Pioneer Finance Franchise Opportunity
Pioneer Finance is an Australian mortgage & finance franchise with 137 sites, offered to owner-operators across QLD, SA.
How much does a Pioneer Finance franchise cost?
Source: Disclosure document v2.0 · verified July 2026. See full cost breakdown →
Fees vs the market
| Fee | Pioneer Finance | Category median | |
|---|---|---|---|
| Royalty (% gross sales) | 8.5% | 8.0% | above median |
| Marketing levy (% gross sales) | 1.6% | 2.0% | below median |
Medians from the Mortgage & Finance Fee Index. See methodology.
Network history
| Year | Opened | Closed | Transferred | Total units |
|---|---|---|---|---|
| 2022 | 12 | 3 | 1 | 130 |
| 2023 | 5 | 0 | 4 | 135 |
| 2024 | 11 | 1 | 2 | 137 |
| 2025 | 3 | 2 | 3 | 137 |
Where disclosure item-6 data is obtainable. verified July 2026.
Available territories
| State | Region | Status | As at |
|---|---|---|---|
| Toowoomba | Queensland | recruiting | July 2026 |
| Adelaide South | South Australia | recruiting | July 2026 |
| Adelaide North | South Australia | sold | July 2026 |
Pioneer Finance by state: Queensland · South Australia
Frequently asked questions
How much does a Pioneer Finance franchise cost?
A Pioneer Finance franchise requires a total investment of $50,000–$145,000 all-in, including a $35,000 initial fee, $7,000–$102,000 fit-out and around $8,000 working capital (Disclosure document v2.0, verified July 2026).
What are Pioneer Finance's ongoing fees?
Pioneer Finance charges a 8.5% royalty and a 1.6% marketing levy, benchmarked against the Mortgage & Finance category medians of 8% and 2% (Q2 2026 Fee Index, n=41).
Is Pioneer Finance on the Franchise Disclosure Register?
Yes — Pioneer Finance Pty Ltd has a current ACCC Franchise Disclosure Register entry, verified July 2026.