Habitat Capital was established to simplify business finance. With a background in Australia’s most respected financial institutions, our directors created a client-first firm that provides business owners with strategic, unbiased lending advice.
Trusted Advisors.
Backed by over 40 years of combined director experience and operating under the trusted Habitat Finance brand for more than two decades, our vision is to redefine business finance by placing advice at the centre of every funding decision.
Strategic Finance.
We bring together decades of institutional knowledge, strategic thinking, and a commitment to tailored commercial outcomes. We’re not just brokers — we’re advisors who understand what it takes to build sustainable business growth through smart finance.
Meet The Team.
Michael Harris
A senior finance executive with over 20 years’ experience across Australia’s most respected financial institutions. Specialising in asset and commercial finance, Michael has built a career around delivering tailored solutions for business owners and across dealer and equipment vendor networks, with deep expertise in financial structuring, operating lease, and distribution finance.
Rory Cowman
A highly experienced commercial finance professional with a 20-year track record in the Australian financial services industry. As the Founder and Director of Habitat Finance & Insurance, Rory has grown the business into a trusted Perth-based firm serving over 3,000 clients and managing a Net Portfolio Balance exceeding $800 million.
Building The Future Of Equipment Together. Our Equipment Vendor Finance Options.
- We design & manage strategic finance programs.
- We are experts across many market segments & asset types.
- We understand usage, subscription, & lifecycle finance.
- We structure & fund your transition to service-led, contract-based sales.
- We support your long-term equipment sales growth & margin.
