
Fast Lending Group : An Estimated 19.6x ROAS on Car Loan Lead Gen

The Challenge :
A specialist broker with no engine to turn intent into inquiry.
Inbound was slow, word-of-mouth referrals were unpredictable, and previous marketing spend had delivered cheap form-fills that never picked up the phone. The website looked polished but did nothing to capture intent or pre-qualify a visitor. There was no creative library worth running on Meta, no funnel architecture that filtered serious applicants from tyre-kickers, and no system to convert paid attention into closable, fundable loans. The brief to us was simple: build something that doesn't just deliver leads - delivers leads worth chasing.
The Strategy :
We engineered the close. Then we fed it leads.
AI Website Plugin - Built to Qualify
An AI loan comparison tool installed directly into Fast Lending Group's website - matching real visitor inputs against real loan products in seconds, converting passive traffic into pre-qualified pipeline before any human ever picked up the phone.
Founder-Led Photoshoot Direction
We art-directed a custom shoot around the moment after the "yes" - real customers, dealership backdrops, natural light, brand-new keys. The output was a creative library that didn't look like a finance ad, and didn't perform like one either.
Meta Lead Form Funnel
A native Meta lead form built step-by-step: loan amount, contact details, SMS verification, Messenger handoff. Friction in the right places filtered junk leads and delivered a 30% closed-loan rate from inbound paid inquiries.
Channel Deep Dive :
Meta Lead Ads - A funnel that closes inside Facebook.
Across both campaigns running December 2025 through May 2026, Fast Lending Group generated 273 qualified leads at an A$23 blended cost-per-lead - 261 from Lead Gen at A$20.26 each, and 12 high-intent WhatsApp conversations at A$82.49 each. With the founder closing at 30%, that translates to approximately 82 funded loans delivered by paid social alone, on a total ad spend of just A$6,277.
Lead Generation - AI Car Loans Hook
The headline campaign built around founder-led creative and the "Find the right loan in seconds - not weeks" angle. 261 Meta leads at A$20.26 CPL across 255,986 impressions and 94,283 unique people reached.
WhatsApp Conversational - QLD · VIC · WA
State-targeted conversational campaign that opened messaging threads directly with high-intent borrowers. 12 conversations at A$82.49 each - lower volume, higher heat, every conversation a closeable opportunity.
SMS-Verified Lead Form
Every lead passed through a four-step Meta form including phone verification. Junk leads were filtered before they hit the founder's CRM — the cheap-CPL trap that kills most finance funnels was engineered out from day one.
Messenger Handoff & Attribution
Form completion handed the warm lead directly into Messenger for an immediate conversation. 7-day click attribution tracked every touchpoint, keeping spend accountable to leads and leads accountable to funded loans.
The Funnel :
Five steps. Built inside Meta. Zero drop-off pages.
Meta Ads Manager - Stats Callout
The dashboard doesn't lie.
Total Leads
273
⇧ Built from zero pipeline
Blended CPL
A$23
⇧ Across both campaigns
Close Rate
30%
⇧ ≈ 82 funded loans
Est. ROAS
19.6x
⇧ Commission revenue basis
Return On Ad Spend :
Every A$1 of paid spend, an estimated A$19.60 of commission back.
The estimate uses an industry-standard A$1,500 average broker commission per funded car loan, based on a ~A$30,000 average loan size and a 5% combined upfront and trail commission - a conservative blended figure for the Australian specialist car loan market. The actual number is the founder's to confirm, but the order of magnitude isn't in doubt.
Step 01 — Spend
A$6,277
Total Meta ad spend across both campaigns (Dec 2025 — May 2026).
Step 02 — Closed Loans
82
273 qualified leads × 30% founder close rate = ≈ 82 funded loans.
Step 03 — Commission
A$1,500
Conservative average broker commission per funded car loan (industry standard).
Step 04 — ROAS
19.6x
A$123,000 estimated commission ÷ A$6,277 spend = 19.6x return.
The Visual Edge :
Founder-led photoshoot. Built for the scroll.
The output became a creative library Fast Lending Group can rotate across paid, retargeting, landing pages and socials for a full year without ever looking the same twice. The variation - different cars, different settings, different customer archetypes — let us test angle after angle inside Meta without ad fatigue setting in. Every asset in the library is built for performance: format-flexible, copy-flexible, and trained on the one emotion that sells a car loan - the joy of finally getting the yes.
Beyond The Ads :
Strategy that goes all the way to the loan officer's phone.
The result was a brand where every touchpoint did real conversion work. Paid traffic met an AI calculator that pre-qualified them. Qualified visitors met a lead form built to filter. Verified leads landed in Messenger with the founder ready to close. When the ads performed, the infrastructure was ready to convert — and when one lead became a loan, the system already had the next one warming up.
AI Plugin & Website Conversion
End-to-end implementation of the on-site AI loan calculator — including configuration, copy, conversion tracking, and integration with the broader lead funnel. The website stopped being a brochure and became a qualifier.
Funnel & CRM Architecture
Strategic build of the full lead-to-loan flow: Meta form structure, SMS verification, Messenger handoff scripting, and CRM sync — so every lead the founder spoke to arrived warm, verified, and context-loaded.
The Result :
Numbers that close themselves.
19.6x
Estimated ROAS
A$123K est. commission ÷ A$6.3K ad spend
82
Funded Loans
From 273 qualified leads · 30% close rate
A$23
Blended Cost Per Lead
6-month average · Dec 2025 — May 2026
Problems & Solutions :
How we tackled each challenge :
Problem
No lead pipeline beyond word-of-mouth referrals
Fast Lending Group had the licensing, the product, and a strong founder close rate — but no consistent inflow of new borrowers, and previous marketing spend had delivered nothing measurable.
Solution
Built a two-campaign Meta lead system from scratch
A Lead Generation campaign on the AI Car Loans angle plus a state-targeted WhatsApp conversational campaign — 273 qualified leads in 6 months at A$23 blended CPL.
Problem
A website that looked good but didn't convert
Visitors landed, browsed, and bounced. There was no mechanism on the site to capture intent or pre-qualify a borrower before they spoke to the founder, so every consultation started from zero.
Solution
Installed an AI-powered loan calculator plugin
Real-time loan matching against real products that turned passive browsers into pre-qualified pipeline — and gave the founder shorter, sharper consultations with borrowers already invested in their result.
Problem
No creative that looked like a finance brand worth trusting
The category lives or dies on trust. Stock imagery and clipart finance creative weren't cutting through on Meta, and there was no brand library to test, iterate, or rotate.
Solution
Art-directed a founder-led photoshoot
A custom shoot built around real customers, real keys, real moments. A year's worth of rotation-ready creative assets shot to perform on Meta first — and rotate without fatigue.
Problem
Standard lead forms deliver junk leads
Cheap CPL is meaningless if 80% of the form-fills never answer the phone. Without friction in the right places, even good paid spend gets buried in unworkable inquiries.
Solution
Built a four-step form with SMS verification
Loan amount → contact details → SMS code → Messenger handoff. The form filtered tyre-kickers automatically and delivered a 30% closed-loan rate from inbound paid leads.
Tools & Technology :
The stack behind the pipeline.
Paid Social
Meta Ads Manager — Lead Gen + WhatsApp
Website Tech
AI Loan Calculator Plugin
Creative Production
Founder-Led Photoshoot Direction
Analytics
Meta Pixel + Conversions API + CRM Sync






















