Headquarters:

Office 2, 413-417 King William Street, Adelaide, SA 5000

Year founded:

2023

Number of employees:

Phone:

0421 661 948

Email:

info@whfinance.au

Website:

whfinance.au

LinkedIn:

linkedin.com/in/joseslompo

“We prioritise embracing cutting-edge technologies, creative problem solving and continuous improvement to enhance our premium funding solutions and provide exceptional value to our clients”

Kanwal Singh

Director and Founder

Florence Tsang

Lending Manager and Executive Assistant

Jashh Chinaiwala

Admin Support

Leadership

Kanwal Singh holds a master’s degree in marketing and finance (hons) and is a highly accomplished professional with a consistent track record of recognition and awards across multiple organisations. With a deep understanding of credit and the ability to navigate complex financial transactions and structures, he brings both strategic insight and technical expertise to every deal. He is known for producing high-quality, thorough submissions, earning him a strong reputation among lenders and financial partners. His commitment to excellence ensures consistently successful outcomes for clients and stakeholders alike. Outside of work, Singh is a proud father of two beautiful girls. He is also a passionate cricket enthusiast, playing for the South Australia Silverbacks, an over-40s representative team. In his downtime, he enjoys a good glass of red wine and quality time with his family.

Director and Founder

Kanwal Singh

Florence Tsang serves as both executive assistant and lending manager at White Horse Finance, where she brings unwavering professionalism, attention to detail and a strong work ethic to every task. Her ability to manage complex responsibilities with care and precision ensures smooth daily operations and supports the leadership team effectively. Tsang’s “care for all” mindset fosters a positive and trustworthy environment, both internally and with clients. Her deep knowledge of lending processes and dedication to excellence have been instrumental in strengthening White Horse Finance’s reputation as a trusted and reliable service provider within the financial industry.

Lending Manager and Executive Assistant

Florence Tsang

Jashh Chinaiwala is a dedicated admin support professional at White Horse Finance, known for his reliability, positive attitude and strong work ethic. Holding a Certificate IV in Finance and Mortgage Broking, he brings both enthusiasm and professionalism to his role. After successfully completing his internship with White Horse Finance, he has now joined the team full-time, contributing to the smooth day-to-day operations with a proactive and ambitious approach. As a new member of the White Horse Finance family, Chinaiwala continues to grow his skills and make a meaningful impact, supporting the team with efficiency and a genuine commitment to excellence.

Admin Support

Jashh Chinaiwala

BRETT BASTOW, IQUMULATE PREMIUM FUNDINGs

Leadership

Jessalyn Sta. Rita

Admin Support

Jessalyn Sta. Rita serves as the virtual assistant for White Horse Finance, providing essential administrative support from her base in the Philippines. She finds genuine joy in helping others and takes pride in contributing to a collaborative, efficient and positive work environment. With a strong sense of responsibility and a supportive attitude, Sta. Rita plays a valuable role in ensuring the smooth operation of day-to-day activities at White Horse Finance. Outside of her professional responsibilities, she is an avid reader with a deep appreciation for theatre and the arts. She is also a devoted cat lover, always finding comfort and inspiration in the simple joys of life.

Admin Support

Jessalyn Sta. Rita

Kim Yen Nguyen

Home and Investment Lending Manager

With over 26 years of experience in the banking industry, Kim Yen Nguyen is a seasoned and highly respected professional known for her deep expertise and approachable style. She has built a diverse career across SME and retail banking, consistently delivering tailored financial solutions to meet the unique needs of her clients. Nguyen brings a wealth of knowledge to every interaction, backed by decades of hands-on experience in lending, credit analysis and relationship management. Her calm, personable nature makes her not only a trusted adviser but also a valued colleague and mentor within the industry. Outside of work, Nguyen finds joy in spending quality time with her nieces and nephews, and she’s known for bringing the same warmth and care to her personal life as she does to her professional relationships.

Home and Investment Lending Manager

Kim Yen Nguyen

Stevens & Associates Lawyers is a leading and trusted employment law firm based in Sydney known for delivering high-quality legal expertise in the area of employment law and industrial relations across Australia, alongside a proven track record of effectively and swiftly resolving a variety of workplace law issues. In the past year, the firm’s growth has been notable. It has: • experienced a 213% growth in the number of client matters, increasing from 149 client matters in the 2022 financial year to 390 client matters in the 2023 financial year • improved its online visibility, leading to over 50 online enquiries each month and a conversion rate of client leads of up to 40% • significantly expanded the breadth and type of matters that it advises on day to day, which has increased the firm’s skillsets, diversity and resilience • expanded its community outreach by collaborating with local Sydney venues for client seminars and continuing active participation in a Sydney small/family business group Stevens & Associates Lawyers has adapted to digital trends by implementing an effective strategy with SEO and web design, resulting in a structural shift that has seen increased representation of employees where the firm previously mainly advised employers. The firm’s recognition as a “Fast Firm” attests to its momentum in the employment law space.

“IQumulate is on a technology journey, and we’re just getting started”

Wayne Tower, IQumulate Premium Funding

Matt Matson

Vice President of Technology

Francine Minervini 

Senior Vice President, Chief Technical Claims Officer

Nicholas Webber

VP, WC Litigation 

Pam Chhabra

Manager – Residential Strata

A founding team member of Matson Money, Matt Matson has brought innovation to the organization through the implementation of technological advancements since the early 1990s. He put Matson at the forefront of the industry by pioneering its online presence in the early days. For 10 years, Matt guided the firm’s technology and design teams, expanding them into full design, development, and networking departments. He returned in 2018 to revolutionize Matson Money’s technology by championing the new Matson Tech team. Matson Tech is reimagining how technology can fulfill the promise of bringing purpose and the American Dream to every family it serves.

Vice President of Technology

Matt Matson

Francine Minervini is chief technical claims officer at Arch Insurance. She joined the company in 2007 as an assistant vice president in the casualty division and has held various roles of increasing responsibility in the claims department, ultimately being promoted to senior vice president in 2018. Prior to joining Arch, Minervini held several claims handling roles with AIG. She has her JD from New England School of Law and a Bachelor of Arts in political science from Seton Hall University. She is licensed to practice law in New Jersey and New York. 

Senior Vice President, Chief Technical Claims Officer 

Francine Minervini 

Cemal Akgul sees the head of risk and collections role as pivotal in guiding and influencing business decisions. He has more than 15 years of experience across financial and government services, most recently with the NDIS, where he was the leading consultant driving the Risk Management process’ nationwide. Prior to that, he served various roles at BMW Finance across the United States, Hong Kong, Germany and Australia. During Akgul’s tenure at BMW Finance, he predominately worked in risk management, guiding the organisation through seismic changes between 2016 and 2018. In his time prior, he was based out of New York, leading BMW Finance’s American subsidiary's market risk and data analytics teams between 2011 and 2016. Akgul values a balanced approach to business, encourages a positive work culture and is passionate about teaching and guiding the business and individuals at IQumulate.

Head of Risk and Collections

Cemal Akgul

Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager. As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.

Commercial Manager

Stephen McMillan

One culmination of these efforts has been the real-world, needs-based IQEdge solution. A one-stop online quoting tool designed for both the Australian and New Zealand markets, IQEdge delivers quotes in under 60 seconds. Plus, the solution offers quote comparison and quote versioning capabilities, enabling users to review vital historical and financial data in a single page view. IQEdge can streamline and automate application processing, underwriting document verification and payment collection, cutting the need for manual labour and minimising processing errors. A digital “self-service” platform, IQEdge, reduces the need for customer and administrative support. Meanwhile, borrowers can access their accounts, make payments and manage their policies independently and through sales and support teams, which are always available for further assistance. “We’ve created a quality platform that simplifies the quoting process yet amplifies the customer experience,” says Gordon. “It’s a real game changer.” IQumulate offers an online digital quoting tool to clients. The best-in-market solution enables IQumulate to tailor funding offerings to brokers that align with their prefered distribution channel.

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What does IQumulate have in mind for the future? “IQumulate is on a technology journey, and we’re just getting started,” says Wayne Tower, CEO. “Through continuous engagement with our clients, partners, marketplace and industry, we will listen to the needs as they arise and position our business to be agile and respond to changes as they occur. “Faster decision-making innovations such as AI-powered decision support systems can expedite the underwriting and approval process, leading to quicker responses to clients. This can improve client satisfaction and potentially attract more business, creating a competitive advantage with the potential to allow IQumulate to command premium pricing or capture a larger market share. “As forward-thinkers with a digital and ‘do it better’ mindset, we collectively and proactively look to learn and improve on our customer experience for our clients, paving the way for successful business outcomes for our clients and our business in the coming years ahead. “We’re excited for the future and look forward to what’s on the horizon.”

Adam Basaldella

Manager – Claims

Product Manager

Claire Watson

Commercial Manager

Stephen McMillan

Claire Watson

Product Manager

Claire Watson

Product Manager

Claire Watson

“Our strength lies in taking the time to understand those nuances and deliver genuinely strategic advice – not one-size-fits-all solutions”

Kanwal Singh, White Horse Finance

“At White Horse Finance, we prioritise our clients’ needs above all else, offering not just products, but smart, flexible solutions that genuinely support their goals”

Kanwal Singh, White Horse Finance

Ivan Verescuk

Chief Executive Officer and Managing Director

Shaun O’Brien

Head of Underwriting

Emily Walker

Head of Strata and Development

Rex Oakman

Head of Operations and Risk

Sandy Newton

Head of Underwriting

Andrew Mitchell

Manager – NSW

Michael Prokopis

Manager – Southern Region

Pam Chhabra

Manager – Residential Strata

Jeffrey Valdivia

Manager – Commercial Strata

Adam Basaldella

Manager – Claims

White Horse Finance (WHF) has firmly established itself as a standout name and rising star in Australia’s brokerage industry, riding a wave of strong growth driven by deep market insight, unwavering client focus and a proven ability to deliver tailored financial solutions. The company’s recent success has been fuelled by its commitment to relationship-driven service, expert understanding of the financial landscape and an agile response to market opportunities, particularly in the commercial lending and property development finance sectors. WHF has built trusted relationships with the business community and developers across the region, positioning itself as a reliable and responsive financial partner. “At White Horse Finance, we prioritise our clients’ needs above all else, offering not just products, but smart, flexible solutions that genuinely support their goals,” says Kanwal Singh, director and founder. “We’ve grown by identifying key market opportunities, such as the rising demand for property development finance, and establishing ourselves as a trusted partner in that space.” A significant contributor to WHF’s growth journey is Florence Tsang, who began as an executive assistant and, through Singh’s mentorship and her own dedication, has risen to the role of full broker. Her journey reflects WHF’s strong internal culture of nurturing talent and promoting from within. Singh himself is widely respected for his integrity, empathy and deep community involvement. His role as a mentor extends beyond WHF, as he actively supports and guides recent graduates pursuing careers in mortgage and finance.

IQumulate invests in education and people, which are vital to attracting new business and talent to the company. “We have long tenures for several of our key staff, including some in leadership positions, and this sound working knowledge of our business, practices and industry provides great insights and a wealth of experience to offer our clients,” says Bastow. “Our new head of sales, Graeme Gordon, formerly manager for New Zealand, joins us in Australia to drive our sales strategy and lead our team to successful outcomes for our clients and our business. We look forward to great things ahead with Graeme as he continues to be active and present in the New Zealand market as well as building sound working relationships and new connections in Australia.” Clients can also expect a lot from working with IQumulate. “Through active engagement with our trusted broker network, IQumulate provides relevant information, education and training content,” says Graeme Gordon, head of sales. “Our clients can expect IQumulate to support their business in several ways, providing an understanding of what premium funding solutions are available and how IQumulate can spread the cost of insurance and help borrowers get the right level of insurance cover to free up their cash flow for other expenses or business growth opportunities. Premium funding is often considered a tool for those who simply cannot afford to pay their premiums in full. While this is certainly a significant driver for many, it is also successfully used by profitable companies who use premium funding to manage their cash flows more wisely or better manage their liquidity.”

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Sustainable programs

Overall

WHF’s growth strategy is underpinned by professionalism, genuine care, and exceptional client service, resulting in high client retention and strong referral-based growth. “Each client’s vision and challenges are unique,” says Singh. “Our strength lies in taking the time to understand those nuances and deliver genuinely strategic advice – not one-size-fits-all solutions.” This client-first philosophy is reflected in the consistent feedback WHF receives: clients feel heard, respected and supported throughout their financial journey. Remaining agile has also been key to WHF’s success. The firm has consistently responded to emerging market trends – particularly in identifying property development gaps – enabling it to capture key commercial opportunities.

In March 2025, WHF expanded its service offering with the launch of White Horse Accounting & Taxation (WHATAX), creating a more holistic financial solutions suite for clients. Singh’s vision is to continue building an integrated platform that supports clients across all aspects of their financial needs. WHF’s commitment to excellence has earned it several recent accolades: Connective Excellence Award for Rising Commercial Broking Business (2024 and 2025) Kanwal Singh, named a State Finalist in the MFAA’s 2025 Best Commercial and Equipment Finance Broker category NRI Achievers Award 2025 London – Entrepreneur of the Year – Financial Services Hi-Flyers 50 GloBiz Awards 2025 London The Hi-Flyers 50 platform celebrates outstanding individuals and organisations operating at the forefront of global business and professional excellence—making WHF’s inclusion a significant milestone in its international journey. With a new, larger office and ambitious plans for the future, White Horse Finance remains committed to delivering exceptional service, promoting a culture of growth, and setting new standards of excellence in the finance industry.