Thrive with our team

Don’t just build a business, join a community that thrives on shared success

Our numbers speak for themselves


deals settled in FY23


asset finance settled in FY23


team members


years of experience

As Australia’s largest asset finance services partner, we’ve got the size, strength and support you need to build your business over the long-term. 

But don’t be fooled, we don’t offer a one-size-fits all solution. Far from it. 

For us, it’s all about partnerships and finding the right way to work together. After all, you and your business are unique, and your professional partnerships should reflect that. That’s why we mould our relationship to suit your business needs – not the other way around.

We also offer ongoing, personalised support that helps build a strong and connected community. That’s because when we work together, we grow together, creating a network that’s dedicated to shared success both now, and into the future. 

With over 20 years experience, the country’s largest asset finance lender panel and, a team of skilled people behind us, we have everything you need to thrive and grow. Contact us today to learn how.

Community & Culture

  • We share our success

    Every deal you write helps our collective community grow stronger. Individual wins always motivate you to go the extra mile, but they also improve the buying power of the group, helps us maintain our volumes and our position as a market leader in asset finance. It’s win win.

  • We share our knowledge

    Our community is built on expertise and shared knowledge so we’ve got an expert crew ready to go whenever you need it. From guidance, to information and mentoring, everything you need is just a phone call away.

  • We share our support

    We want you to focus on writing deals, not filling out paperwork. So once your deals are done, pass them onto our full-service loan processing centre and get back to doing what you do best.

Our History

COG Aggregation was formed following the merger of two asset finance aggregators being Consolidated Finance Group and Platform Finance Group.

Consolidated Finance Group (CFG) was originally established in 2005 and Platform Finance in 2010. Although separate aggregation businesses they complimented their aggregation models with compliance, systems, and infrastructure to support the asset finance broking firms and brokers who were part of their aggregation groups.

Consolidated Finance Group (CFG)

CFG was established when an opportunity was identified by a major asset finance broking firm (whose history dates to 1999) to establish a separate aggregation model tailored for asset finance brokers. The CFG model grew in membership and strength with over $2 billion in aggregated volume generated annually until the business was sold to COG Financial Services Limited in 2016. From 2016 until 2022 (and prior to combining to become COG Aggregation) the growth continued with over $5 Billion in aggregated volume being generated annually.

Platform Finance

The history of the Platform Finance Group dates to 1994. In 2010 several broking firms that were part of the group combined to create one aggregation group. From 2010 until merging to become COG Aggregation in 2022 membership of the Platform Finance group grew to generate $1.7 Billion in aggregated volume. In 2015 the majority shareholding in the business was acquired by COG Financial Services Limited with the remaining shareholding acquired in 2022.

Powered by COG Financial Services Ltd

COG Aggregation is powered by the strength of COG Financial Services Limited, Australia’s largest finance broker aggregator and equipment leasing business for small to medium-sized enterprises. This parent company relationship makes us one of the only listed asset finance aggregators in the country (ASX: COG).

COG Financial Services Limited equips COG Aggregation with the scale and financial backing to propel your company’s growth.

Our employees share a commitment to exceptional customer service​

Driven by value

Grow your business with the backing of the team that settles over 115,000 deals and over $7.7 billion worth of assets every year.

Large lender panel

Enjoy being spoilt for choice with Australia’s largest panel of asset finance lenders. Pick from over 50 consumer and commercial loan specialists nationwide and tailor deals designed specifically for your clients’ needs.

Broker support

Take your business to the next level with access to the latest technology, in-person and on-demand support plus comprehensive training and development programs. Work with our experts from application to settlement and get your deals done in record time.

Experience, expertise & serious finance know-how

Executive Team

Ryan Young Chief Executive Officer
COG Broking and Aggregation
Ryan comes with a wealth of experience across banking and equipment finance, with over 15 years in various credit, relationship, operations and risk leadership positions. His roles have covered areas including lending, risk, portfolio management, operations, compliance, and sales within the finance, banking, broking and aggregation segments. In October 2022, Ryan led the merging of Platform Finance and CFG to become COG Aggregation, Australia's largest asset finance group.
Mark Rayson Head of COG Aggregation
COG Aggregation
Mark is the Head of COG Aggregation being responsible for the management of over 200 brokers and 40 lenders, who achieve more than $6 Billion in total asset finance loans per annum. Mark started in the equipment finance industry in 1989 working for a major bank in a variety of roles culminating in running their broker operations for Australia. In 2005 he was one of the initial founders of Consolidated Finance Group (CFG), a start-up equipment finance aggregation business and grew the business to over $2 Billion until 2016 when the business was acquired by the COG Group.
Damian Mantini, Head of Strategic Partnerships Platform Finance
Damian Mantini Head of Strategic Partnerships
Platform Finance
Having been a shareholder at the Platform Group since 2012, Damian believes the unique mix of people, lender panel size, distribution channels and infrastructure make Platform a leader in the field. Combined with strong lender relationships, ongoing investment in compliance and IT and close working relationships with broker partners, he’s confident that Platform Finance and COG are perfectly positioned to tackle any industry challenges that arise.
Caroline Grima, Head of COG Broker ServicesCOG Aggregation
Caroline Grima Head of COG Broker Services
COG Aggregation
Caroline has over 28 years’ experience in the equipment and motor vehicle finance industry beginning her career in a range of finance roles including settlement, securities and credit analyst functions. In 2018, Caroline was appointed General Manager of Platform Finance. She oversaw the success of company operations, managing a number of lender relationships and providing leadership to staff. In 2022, when COG Aggregation was formed, Caroline was appointed head of our Broker Services and Platform Direct Finance.
Darren Hughes, Head of COG Retail
Darren Hughes Head of COG Retail
COG Aggregation
Darren was appointed as the head of our new division, COG Retail, in June 2023. His role focuses on growing and supporting our brokers in the auto, leisure and personal loan space. Darren has over 30 years of experience in the financial services and auto sector, having joined us from NFC and UFS Aggregation where he was the National Sales Manager. Before this, he held senior management roles in corporates including McMillan Shakespeare and QBE, and has a long history in account management and sales.
Ian Elkner, Head of Operations COG Broking and Aggregation
Ian Elkner Head of Operations
COG Broking and Aggregation
Ian joined COG Broking and Aggregation in August 2022 and is responsible for all aspects of operations throughout the business. Ian brings a wealth of experience to the role with over 35 years’ experience in the finance industry. He has worked both in senior levels in commercial banking and asset finance with a major bank, as well as spending 15 years with a major equipment finance broking firm.
COG Aggregation Executive Team