About Us

We’ve been solving financial challenges within B2B Trade since 2014 and served more than 7,000 global businesses with over $1 billion in Trade Payments.

Finstro’s the solution to pay and get paid on terms that suit your business.

Finstro inspires growth in B2B Trade through innovative and integrated financial solutions

Backing businesses since 2014

Backing businesses since 2014

Suppliers need to extend credit terms to their Buyers in order to remain competitive in today’s market. Buyers consider the length and flexibility of net terms when making purchasing decisions. This dynamic presents both an opportunity and a risk.

With Finstro, you can extend our flexible net terms to your Buyers and increase sales, improve cashflow and reduce risk.

Why Finstro?

Why Finstro?

Over 90% of all B2B Trade in all industries involves credit and financing. The conduct of B2B Trade presents a number of challenges for both Suppliers and Buyers. Finstro is the solution to those challenges.

Built with the latest technology, run by experienced leaders and partnered by some of the world’s biggest brands, Finstro brings a different and innovative approach to B2B Trade and is pleased to support and inspire SMB growth.

Our Story


The business model of Finstro is incubated by FC Capital to provide Accounts Payable and Accounts Receivable financing solutions to underserved SMBs in Australia. Initial technology platform is built.


The business model evolves and the Finstro brand is established as Australia’s leading SMB Trade Payments company. Finstro establishes its Manila offices and supports over 7,000 SMBs with more than $1b of Trade Payments.


Finstro supports SMBs through the COVID crisis and establishes strategic banking and technology partnerships in support of international expansion plans. New card and ERP integration-based technologies introduced into the Finstro technology platform.


Finstro opens the Denver, CO HQ office and launches in the US. Growth has taken the team to 200 passionate people ready to deliver and support Finstro’s leading B2B Trade Payments solution to businesses in the US and Australia.

Meet the team

With over 200 years of combined experience across multiple industries, we are here to support your business.

John (JT) Thomas

Board Chair & Acting CEO

JT has been involved in banking, finance and funds management activities for 48 years. JT’s “trophy career achievement” was as CEO of the Howard (Commercial) Mortgage Trust (HMT) from 1987 to 2003 (17 years). By the time JT left the HMT, the assets of the HMT had risen to a little under $3billion to be the largest and consistently the best performing trust of its kind in Australia. The Trust had over 80,000 investors and was awarded the Australian fund manager of the year award in the “fixed interest category” on 7 occasions. The trust was the only fund of its kind in Australia to hold five-star ratings from every major research house in Australia.

Over the years Australia’s premier regulators APRA and ASIC have sought JT’s advice on industry matters and have on occasions adopted his recommendations on an industry wide basis. JT has an enviable record for not having lost one cent of investor funds even during the GFC, in either his mortgage or property fund activities.

JT was Chairman of the industry association working group from 2005-2010 with total member FUM in excess of $30billion. The aim of the group was to develop better disclosure regulations within the commercial mortgage fund industry and to lobby government on industry issues.

In 2010 JT set up “JT Consultancy” to (among other things) advise fund managers in the mortgage and property trust space. JT is a Fellow of the Institute of Financial Services and a Fellow of the Australian Institute of Company Directors.

In 2011 JT was awarded a Papal Knighthood (KSS) by Pope Benedict (XVI) in recognition of his years of “meritorious service to the community and to the Catholic Diocese of Parramatta”

In 2022 JT was awarded an Order of Australia Medal (OAM) in the Queen’s birthday honours list in recognition of his years of “outstanding and meritorious service to the community and to financial services”

Cormac McGann

Chief Financial Officer

Cormac has over 30 years of experience working in multi-national organizations. He has managed teams across Europe, Americas, and Asia. Prior to joining Finstro, he held Senior Finance positions at several major companies including Medtronic and Gates Corporation. He holds a Bachelor of Business Studies degree from the University of Limerick and is a Fellow of the Association of Chartered Certified Accountants.

Matt Bauld

Chief Commercial Officer

Responsible for GTM teams across the US, Australia and Manila, Matt joined Finstro with over 25 years’ experience (15+ in an Executive Leadership capacity) building and executing the strategy for sales & marketing teams within personal lending, asset and equipment finance and business/cashflow lending disciplines. Matt has worked for various corporate and FinTech businesses including GE Capital, Humm Group and was the Executive GM Of Distribution for Prospa Group Limited from business inception to IPO in 2019. More recently, Matt was the founder of an innovative FinTech cashflow management app which he successfully exited in 2022.

Nathan Phillips

Chief Product and Technology Officer

Nathan has 25 years of experience in building SaaS, bespoke, and product line-based software systems, across investment banking, retail banking and the FinTech space. This work includes building algorithmic trading solutions for UBS and JP Morgan Chase, Transaction Banking products used by ING, Barclays, and hundreds of banks. His experience includes working in and managing teams across the Americas, Europe and Asia.

Patricia Tan

Chief Human Resources Officer
Country Head - Philippines

Patricia has over 25 years of cross-functional work experience in Australia and the Philippines, primarily in the banking and financial services industry. She is passionate about service delivery excellence, quality management and process improvement with six sigma green belt qualifications. Patricia has held leadership positions at Citibank, Baycorp and BDO. She has extensive experience building and leading large-scale operations of 500+ FTE in The Philippines.

Matt Ryon

General Counsel

Matt is the General Counsel of Finstro. Prior to that, he held the position of Senior Vice President and Senior Counsel for Associated Bank, N.A. in Chicago, IL (NYSE: ASB). Matt has been practising law since 2005 and holds an Economics degree from the University of Iowa, a JD from Northern Illinois University and an MBA from Marquette University.

Ben Lowe

Chief Operating Officer

Ben has 20 years’ experience within the Fintech landscape and had managed and led large scale operations in NZ, Australia and Manila.Working for industry leaders such as Humm Group, Prospa and Valiant Finance, Ben has experience across all areas of the business from sales, service, collections and project management. Ben’s passion is leading and developing teams, finding solutions to problems, and implementing best-in-class practices. Ben was recognised externally as New Zealand’s Contact Centre Manager Of The Year in September 2012 through the CCiNZ awards.