Your Expert Licensing partner for ACL, AFSL,VASP licenses in Australia

Start Your Licensing Journey with Confidence

Explore our specialised offerings designed to guide Credit, fintech and crypto businesses through complex licensing and compliance processes.

AFSL Licensing

Get expert support on your Australian Financial Services License (AFSL) application. for a Fintech platform, Crypto exchange AFSL license or Credit services, we streamline your path to ASIC approval.
. AFSL setup & documentation
. Ongoing AFSL compliance support

ACL Licensing

We help credit providers and fintech lenders secure and maintain their Australian Credit License (ACL). Stay compliant manage risks, and grow your lending operations.
.ACL application & variations
.BNPL, mortgage broking & credit services
.Annual compliance & breach reporting

VASP Registration/Compliance

Launching a crypto exchange or blockchain business? We assist with Digital Currency Exchange VASP ( formerly DCE) registration and AML/CTF compliance for AUSTRAC.
.VASP registration setup
.AML/CTF Program creation

Licensing Success Stories: ACL, AFSL & VASP Approvals

At the ‘Licensing Expert‘, we have built a reputation as trusted consultants in AFSL, ACL, and crypto VASP ( formerly DCE) licensing by delivering results for real clients in Australia’s evolving credit, crypto and financial services landscape.
With deep expertise in credit ( BNPL), crypto start ups and financial services, our team has successfully guided businesses ranging from fintech startups to publicly listed entities.
Real Client Results:
Swiftcash.com.au – We helped this online small cash loan provider navigate obtain their Australian Credit License (ACL) process, ensuring end-to-end compliance with ASIC’s responsible lending obligations, while building out a scalable governance framework.
Chapter Two (ASX: CI1) – We worked with this ASX-listed fintech startup to structure their ACL application to obtain a successful approval for a majority foreign entity owner of a local business www.chaptertwo.com.au.

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Licensing Expert made ACL compliance straightforward and stress-free. Their professionalism gave me total peace of mind for my business.

John Smith

Why Choose The Licensing Expert for Licensing?

Our commitment is to provide tailored, expert led licensing solutions that prioritise your business’s success while navigating regulatory complexities with confidence. We simplify the process for a fixed fee without a thousand questions. We just get the job done.

Tailored Solutions

Specialist Knowledge in AFSL, ACL & VASP ( formerly DCE) registrations
.Fixed Fees — No hourly surprises
.20 Years of experience and Commitment to Excellence
.Startup-Friendly: Ideal for new market entrants
.End-to-End Support: From application to post-licensing obligations

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Expert Guidance Tailored to your needs

With over 20 years experience in the financial sector and 13 years in the crypto sector we have been around know how to tailor our services to your compliance and licensing needs. We leverage our knowledge and industry contacts to guide you seamlessly through the process.

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Frequently Asked Questions

Q1. How long does it take to get an AFSL or ACL approved by ASIC?

The timeline varies based on the complexity, key personnel of the business and experience, but typically ASIC takes 16–24 weeks after a complete submission. We help reduce delays by preparing compliant documents upfront and reducing the questions posed by the regulator with good vetting and business concept explanations.

Q2. What’s the difference between an AFSL and ACL?

An AFSL is required for Crypto Exchanges issuing a product or service. An ACL is for businesses offering consumer credit, such as BNPL, mortgage broking or lending.

Q3. Do I need a VASP (formerly DCE) registration for my crypto business?

If your business exchanges digital currency for fiat or vice versa, you need to register as a DCE with AUSTRAC. We handle the full DCE application and AML/CTF compliance setup.

Q4. What industries do you work with?

We work with fintech startups, lenders, credit repair firms, investment platforms, crypto exchanges, wallet providers, and traditional advisory firms across Australia.

Q5. What do your licensing services cost?

We operate on a fixed-fee model starting from $8,800 depending on the license type and complexity. We ask for 50% up front and 50% on successful application, which ensures we are motivated to get the license completed. No hourly rates, and full transparency from the start to finish.

Example: An ACL license for a single operator mortgage broker who will act as the ACL responsible manager with over 5 years experience and all appropriate qualifications engaging in mortgage or finance broking services with established lenders, will cost $8,800*

Q6. Can you assist with ongoing compliance after licence approval?

Yes. We offer ongoing compliance document setup, compliance monitoring guidance, breach reporting support, audit readiness, and updates aligned with ASIC and AUSTRAC obligations.