We have helped a lot of people
over the years, here are just a few

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Star Pharmacy Group

"Luke has been assisting us with our personal and business finance requirements for in excess of 12 years. His vast experience in finance spanning over a period of nearly 50 years, has enabled him to provide The Star Pharmacy Group, and ourselves personally, with a range of funding solutions that has facilitated the substantial growth of our Pharmacy business and also our personal asset position.

Luke, together with his support staff, always makes himself available to discuss and advise on any finance enquiry. He has taken the time to develop  a strong understanding of our business model and has been successful in completing our finance requirements with minimal inconvenience to us.

We have no hesitation to recommending Luke and LKFS to any prospective client.

Star Pharmacy Group is a growing business focused on pharmacy care and advice, health management, customer service, staff training and development, and commercial performance.
The Group has 36 member Pharmacies in South Australia, Queensland and New South Wales.

(08) 8443 7955
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Stan Kontos & Peter Gardiakos
Executive Chairman & Director of Star Pharmacy Group

Bianco Construction Supplies

"After being knocked back by our own Bank, we approached Luke Kouzapa Finance Service (LKFS) in 2007 with an idea and a Business plan.  We explained our needs and Nick Davoli was instrumental in arranging a financing structure that met our requirements and achieved our objectives.  We were extremely satisfied with the results and service and have channelled all of our financing needs through Nick and the LKFS resources ever since.

Nick is very approachable and understanding and we have no hesitation in recommending him for his knowledgeable, friendly and professional service in raising finance."

Bianco Construction Supplies understands the need for a unique range of products and reliable delivery of all construction site essentials. Express / same day / next day or even scheduled delivery dates can be arranged. 

(08) 8393 8888 

Pat Calabrese & Romy Guglielmucci
Managing Directors of Bianco Construction Supplies Mt Barker 


"Myself and the staff at Elders Real Estate Flinders Park refer all of our valuable clients who require finance services to Elena & LKFS.  We have extreme confidence in introducing our customers to Elena because she consistently and continuously conducts herself in an extremely friendly and professional manner.  Elena and the team at LKFS have a fantastic relationship with a comprehensive network of lending institutions to suit our client’s needs tailored to their current financial situation.  Above all, our clients are delighted with their services and we are proud to be affiliated with Elena Alvaro and the team at LKFS."

Looking to buy or sell a house? 
Selling or buying a home can be a stressful time, but Gary & the staff at Elders Flinders Park have the knowledge, expertise and dedication to help you achieve your goal.

(08) 8354 2424
0422 071 317
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Gary Krievs
Managing Director of Elders Real Estate Flinders Park

Mitani Products

"We have been sourcing our finance through Luke & the LKFS team for over 10 years and during that time we have been provided with a standard of service that exceeds the traditional direct with bank option.

Luke's extensive experience in finance has been an invaluable asset and his assistance in developing effective and prudent  finance strategies has enabled our business to facilitate it's substantial growth. 

To this day, we cannot recall any finance proposal that has been unsuccessful or not suitable to our requirements and I would therefore have no hesitation in recommending the services of  Luke & LKFS.

Mitani Products is a leading manufacturer of chicken salt and is the home of the famous Mitani Chicken Salt. Mitani products are exported to many countries around the world. 

(08) 8285 0555
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Tas Mitani
Managing Director of Mitani Products

CJP Hire

"As a growing small business, CJP Hire has found the assistance that LKFS has provided our Company to be immeasurable. We have found all the Consultants to be friendly, honest, reliable and extremely professional. They deal with all our queries, whether large or small promptly and efficiently and have always provided us with sound advice. We would highly recommend their services to anyone requiring finance solutions.

CJP Hire specialise in the hire of excavation and earthmoving equipment, including excavators, bobcats, loaders and tipper trucks. CJP Hire can hire excavation equipment with or without operators, to suit your requirements.

08 8182 3455
Chris & Judy Panagaris
Directors of CJP Hire (Aust) Pty Ltd


"I have used LKFS for 15 years, personally they have helped me purchase my first home and now investment properties. Theo, Elena and the rest of the team at LKFS have been instrumental in helping not only me but my clients as well. Their professional service, honesty & integrity makes them a valuable part of my investment team."

Ironfish is one of Australia's leading property investment companies with more than 100 experienced property investment strategists in 8 offices throughout Australia and in China

0488 978 870
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Chris Ikon
Property Strategist for Ironfish Adelaide

Carr Components

"Good communication and pro-activity are key aspects of any successful business and when it comes to our finance requirements, Theo & his team have offered me and my family both of these on many occasions. Their understanding of our business and ability to handle all of our finance requirements has been of substantial value and has enabled us to access the entire banking system without having to spend countless hours with multiple lenders.  Whether it’s funding to assist with the purchase of a residential property, plant & equipment for our business or the acquisition of a commercial property, LKFS has always had the required skill set and has given us piece of mind knowing that all of our requirements have been considered and that we have accessed the most cost effective and best structured loans available.

I would recommend LKFS to family, friends and business associates, as I know that they will be given correct and honest advice along with the best deal and structure for their needs. "

Established in 1928 and is one of South Australia's largest manufacturers of precision metal pressings and assemblies.

(08) 8307 8400
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Daniel Bell
Operations Director of Carr Components

AAE Wholesale

"I have worked with LKFS from their inception. During this time, Theo and his support staff  have assisted me with the purchase of residential and commercial property, equipment and motor vehicles for my business and in more recent times funding to assist with the purchase of commercial property inside a Self Managed Super Fund.

LKFS have relieved the drudgery and legwork  of financing by presenting professional and balanced credit advice with competitive quotes from various institutions and full disclosure of conditions. The streamlined  process at LKFS has enabled me to focus fully on my business operations and I have peace of mind whilst being kept fully informed of any finance applications at each stage. Support from the LKFS team has been invaluable  over the preceding two decades and they have been an integral part of the growth and success of our operations.

Established in 1982, AAE Wholesale has been a specialist supplier to the automotive trade for over 25 years. The company is the largest volume re-manufacturer of starter motors and alternators in Australia.

(08) 8244 9888 
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Peter Paraskeva
Managing Director of AAE Wholesale Pty Ltd

S&S Gardening Services

"We are both self employed and very busy and Elena has provided us with her professional credit services for several years and assisted us with finding the right loan products to suit our needs. She has not only assisted with our residential property, she has also assisted us in  obtaining two investment properties in as many years. Being in our early thirties we would never have believed this to be possible.  Thanks Elena, we will see you soon for the next one!"

Shane & Simone Stephenson
S & S Gardening Service