01 Read the trail book
Recurring trail on funds under management is the backbone of practice value. We map FUM stability and client tenure before any lender does.
What we do
Funding that reads recurring revenue.
Advice practices earn through trail income, fee-for-service, and a stable book of long-tenure clients. We work with lenders who recognise that revenue properly — and we present your numbers so credit teams see the strength, not the unfamiliarity. We're a small team working with a small number of clients. Based in Canberra, connected nationally. We structure first, then go to the right lenders. And if borrowing isn't the right move yet, we'll tell you when not to borrow.
02 Present the client book
FUM multiples, client demographics, and revenue quality drive valuations. We put them to lenders who understand the advice model.
03 Factor the regulatory load
AFSL requirements, professional standards, and compliance costs are material to practice economics. We build them into the structure.
04 Navigate the transition
The advice industry is in structural change. We help advisers shift to fee-for-service while keeping practice funding sound.
Our solutions
How we help planning practices.
From your first practice acquisition to managing a multi-adviser firm, every structure is designed around the advice profession — not retrofitted from a generic business loan.
01 Practice Acquisition Finance
Funding to acquire a planning practice — client book valuations, trail revenue, and AFSL considerations. We know how lenders assess planning firm value, and present yours to match.
02 Trail Book Loans
Specialist lending secured against recurring trail and fee-for-service revenue. Structures that reflect the stable, predictable nature of advice income.
03 Growth & Transition Capital
Working capital for technology upgrades, compliance costs, staff recruitment, and the move to fee-for-service models.
04 Authorised Rep Transitions
Finance for advisers moving from employed or authorised representative status to owning their own practice — including licensing and setup costs.
05 Commercial Premises
Finance to buy your own office space and build equity in your business location rather than paying rent.
06 Professional Insurance
PI cover, key person insurance, and income protection tailored to planning professionals and their regulatory obligations.
Specialist knowledge
Generic brokers don't understand advice.
Planning practices have unique valuation dynamics. Here is what specialist knowledge changes about your outcome — at the structure, the valuation, and the rate.
01 Trail revenue expertise
Recurring trail income is the backbone of planning practice valuations. We work with lenders who properly recognise and lend against this revenue stream.
02 Regulatory understanding
AFSL requirements, professional standards, and ongoing compliance costs are material to practice economics. We factor them into every funding structure.
03 Client book valuations
FUM-based multiples, client demographics, and revenue quality analysis all factor into a planning firm's value. We present them properly to lenders who get it.
04 Industry transition
The planning industry is in structural transition. We help advisers navigate the shift from commission to fee-for-service while managing practice funding.
Our clients
Who we work with.
01
Financial planners acquiring their first practice.
02
Authorised reps transitioning to self-licensed businesses.
03
Planning firms pursuing growth through acquisition.
04
Partners buying in or buying out within advice firms.
05
Practices restructuring for fee-for-service models.
06
Retiring planners seeking succession and exit funding.