Who We Are


Situated at St Clair in the outer Western Suburbs of Sydney near St Marys, ICR Financial Services Pty Ltd is a Finance Consultancy/Brokerage company established in 1998 by Ian Richardson who after 25 years service left a senior Business Banking role with Westpac Banking Corporation to explore the broader world of Finance.

Ian’s background and experience expands into all aspects of Banking and finance with particular emphasis on:


  • Equipment Finance (commonly called leasing) for all types of assets

  • Commercial Property Finance (including construction finance)

  • Lending to the hospitality Industry

  • Cash flow Lending (known as Debtor finance)

  • Work outs and restructures


We also have a Network of colleagues and services in other areas such as:-

  • Life Insurance, TPD, and Income Protection

  • Fully maintained operating Leases (ie Fleet Management)

  • Sourcing Vehicles and other Machinery

  • Insurance Premium funding >$5,000


In 2001 Ian became a Fellow of the Australian Institute of Banking and Finance (now known as Finsia) in recognition of his years of experience and dedication to the Banking and finance sector.

Since 1998 ICR Financial Services Pty Ltd has built up a “can do” reputation with a particular emphasis on “responsiveness” and “ease of doing business”.

Our aim at ICR Financial Services Pty Ltd is establish a long term relationship with all our clients. 



Types of Business and Areas we Service


Our client base expands all over NSW & ACT to the Gold Coast, Brisbane and Far North Qld.  Typically our client base includes the following types of businesses:-

  • Transport (one man operators to 50 trucks)

  • Wholesaling

  • Warehousing

  • Manufacturing

  • Retail including restaurants and Pizzeria’s

  • Franchising

  • Farming

  • Hotels and Clubs

  • Civil, Earthmoving and Excavation

  • Asphalting

  • Cranes and materials handling

  • Plumbing

  • Concreting

  • Developers

  • Charter Boats 


What We Do


We access financial solutions from a wide variety of lenders.

Some of the products we access include:

  • Chattel Mortgage

  • Commercial Hire Purchase

  • Finance Lease

  • Operating Lease (including fully maintained)

  • Novated Lease

  • Property Loans

-Residential, Owner Occupier, Investment

-Commercial, Owner Occupier, Investment

– Commercial Construction and Development


  • Business Loan - Term loan, Line of Credit

  • Insurance Premium Funding >$5,000

  • Cash flow Finance (Debtor Finance/Invoice Discounting)

  • Trade Finance Facilities