Liberty Financial

Certified B Corporation

Victoria, Australia

Certified Since

December 2019


Other credit - Developed Markets


Service with Minor Environmental Footprint

Operates In


New Zealand

Liberty Financial Group (Liberty) is a major Australian and New Zealand finance company, whose purpose and values embrace fairness, diversity and inclusion. It believes financial inclusion helps enable communities to form and thrive. Since Liberty began in 1997, it has been lending responsibly, and with purpose, to individuals and small businesses from all walks of life and across many sectors. As a pioneer of specialty lending in Australia and New Zealand, Liberty takes a multi-dimensional view of a customer’s capacity to repay a loan. Liberty offers loans for home, car, business and personal needs. It also offers consumer credit and general insurance. It’s innovative approach has helped over 500,000 customers get, and stay, financial. A criterion of every loan or insurance policy is that it contributes benefit to the customer. If and when there are unexpected life circumstances, Liberty has a dedicated, in-house team to provide support. Every Liberty team member commits to delivering the best possible customer outcomes by living the company’s values of being Fair, taking every opportunity to Learn, and be Accountable, Invested and Resourceful (FLAIR). As an ASX Listed company (ASX:LFG), Liberty is aligned to the highest standards of Corporate Governance.

Overall B Impact Score

Based on the B Impact assessment, Liberty Financial earned an overall score of 107.2. The median score for ordinary businesses who complete the assessment is currently 50.9.
107.2 Overall B Impact Score
80 Qualifies for B Corp Certification
50.9 Median Score for Ordinary Businesses

Governance 16.8

Governance evaluates a company's overall mission, engagement around its social/environmental impact, ethics, and transparency. This section also evaluates the ability of a company to protect their mission and formally consider stakeholders in decision making through their corporate structure (e.g. benefit corporation) or corporate governing documents.

Mission & Engagement5.9
Ethics & Transparency8.3
+ Mission Locked2.5

What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.

Workers 38.7

Workers evaluates a company’s contributions to its employees’ financial security, health & safety, wellness, career development, and engagement & satisfaction. In addition, this section recognizes business models designed to benefit workers, such as companies that are at least 40% owned by non-executive employees and those that have workforce development programs to support individuals with barriers to employment.

Financial Security14.2
Health, Wellness, & Safety8.6
Career Development4.8
Engagement & Satisfaction8.7

Community 17.4

Community evaluates a company’s engagement with and impact on the communities in which it operates, hires from, and sources from. Topics include diversity, equity & inclusion, economic impact, civic engagement, charitable giving, and supply chain management. In addition, this section recognizes business models that are designed to address specific community-oriented problems, such as poverty alleviation through fair trade sourcing or distribution via microenterprises, producer cooperative models, locally focused economic development, and formal charitable giving commitments.

Diversity, Equity, & Inclusion6.8
Economic Impact3.1
Civic Engagement & Giving4.1
Supply Chain Management1.7

Environment 12.6

Environment evaluates a company’s overall environmental management practices as well as its impact on the air, climate, water, land, and biodiversity. This includes the direct impact of a company’s operations and, when applicable its supply chain and distribution channels. This section also recognizes companies with environmentally innovative production processes and those that sell products or services that have a positive environmental impact. Some examples might include products and services that create renewable energy, reduce consumption or waste, conserve land or wildlife, provide less toxic alternatives to the market, or educate people about environmental problems.

Environmental Management4.9
Air & Climate3.9
Land & Life3.2
+ Green Lending0

What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.

Customers 21.4

Customers evaluates a company’s stewardship of its customers through the quality of its products and services, ethical marketing, data privacy and security, and feedback channels. In addition, this section recognizes products or services that are designed to address a particular social problem for or through its customers, such as health or educational products, arts & media products, serving underserved customers/clients, and services that improve the social impact of other businesses or organizations.

Customer Stewardship3.9
+ Portfolio Reporting0
+ Targeted for Investment0
+ Leadership & Outreach0.5
+ Investment Criteria3.5
+ Portfolio Management4.2
+ Serving in Need Populations8.1

What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.

Previous Overall B Impact Scores

2023 Overall B Impact Score107.2
2019 Overall B Impact Score82.6

Additional Documentation

Liberty Financial Transparent Disclosure 2023

Liberty Financial Transparent Assessment 2023

B Labs Logo - Home Link

Sign up to our Insights newsletter, a monthly digest of the latest news on economic systems change from B Lab Global.

We take the security of your data seriously, read our privacy policy for further information. For newsletter communications relating to your local region, please visit Global Partner sites to subscribe.

Copyright © 2024 B Lab. All rights reserved.