Financial Planning Practice Loans
Specialist finance for financial planners. Practice acquisition, succession funding, and working capital solutions structured around funds under management and recurring advice fees.
Key Features
FUM-Based Assessment
Lending capacity linked to funds under management and recurring revenue
Dealer Group Compatible
Finance available for self-licensed and authorised representative models
Succession Funding
Structured support for practice succession and ownership transitions
Up to 3.75x EBITDAE
Competitive leverage for qualifying financial planning businesses
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
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Start ApplicationFinance for Financial Planning Practices
Financial planning practices generate recurring revenue through advice fees and FUM-linked income. This predictable cash flow makes them attractive for acquisition and growth finance. Specialist lenders assess practices on normalised EBITDAE and FUM quality rather than traditional business metrics.
Whether you are acquiring a practice, buying into a partnership, or planning succession, we arrange finance structured for the financial planning industry.
Dealer Group and Licensing Considerations
Financial planning practices operate under varied licensing arrangements — self-licensed, authorised representative of a dealer group, or part of a larger network. Lenders require the practice to be part of an accredited dealer group or hold an appropriate AFSL.
We work with lenders experienced in financial services who understand these structures and can assess applications appropriately regardless of licensing model.
Acquisition and Succession Structures
Acquisition funding at up to 3.75x normalised EBITDAE is available for qualifying practices. Key assessment factors include FUM quality, client demographics, revenue mix, and the strength of the advice relationship.
Succession finance supports practice transitions, including retiring planner buyouts, staged equity transfers, and management buyout structures. Working capital facilities support ongoing practice growth and compliance requirements.
Discuss Your Financial Planning Practice Loans Needs
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Frequently Asked Questions
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