Financial & Advisory Firms
Finance for Financial Advisers & Advisory Firms
Buy the book.
Keep the firm liquid.
Advisory firms grow by acquiring client books and firms, often with deferred consideration. We arrange the funding that makes those deals work.
For IFAs, wealth managers, mortgage and insurance brokers, consultancies and other advisory firms.
Most asked about
The pressures we see
What makes financial & advisory firms different.
- Acquisitions priced on recurring income, usually with deferred consideration.
- Retiring principals and partners needing to be bought out.
- Rising investment in platforms, compliance technology and people.
What we can finance
Funding for financial & advisory firms.
- 01 Acquisitions Client books and whole firms.
- 02 Deferred Consideration Fund or refinance later instalments.
- 03 Partner Buy-outs Retirements and exits, funded cleanly.
- 04 Technology Platforms, CRM and compliance systems.
- 05 Working Capital Fund growth and integration.
- 06 Tax Corporation tax and VAT peaks.
We aren't tied to one lender or product. For every need above, we search the market for lenders who understand financial & advisory firms.
We also arrange finance for
Acquisitions & ownership
Buying a client book?
Book acquisitions are priced on recurring income and often paid partly over time. We help structure the completion payment and any deferred consideration so the firm stays liquid through integration.
How finance works here
Growth by acquisition, paid for over time.
Advisory firms, from IFAs and wealth managers to mortgage and insurance brokers, often grow by buying client books and whole firms. Those deals are usually priced on recurring income and paid partly on completion and partly over time, with the deferred element linked to how much of the income is retained.
Lenders look closely at the quality of that income: how much is recurring, how concentrated it is, how dependent it is on the seller personally, and whether the acquiring firm has the capacity and compliance framework to absorb it. A clear integration plan carries real weight.
Succession is the other side of the same market. Retiring principals need to be bought out, and the next generation needs funding to do it. Our guides to buying a client book and funding retirement and succession cover both.
Preparing the case
What lenders will look at.
- Recent accounts and a breakdown of recurring and non-recurring income
- For acquisitions, the target’s income, client numbers and the deal terms
- Deferred consideration and any retention or clawback terms
- The firm’s regulatory standing and compliance arrangements
- Existing borrowing and the owners’ contribution
We are a broker, not a lender. We help you pull this together, search the market for lenders whose criteria suit your practice and manage the process to completion. How it works →
Success stories
Funding arranged in this profession.
£100,000 to complete deferred consideration.
Read the story →£50,000 completed for a professional financial-services business.
Finance for Financial Advisers & Advisory Firms
Financial advisers and advisory firms grow by buying client books and firms. IFA finance for those acquisitions, and for the deferred consideration that usually comes with them, is a specialist area. Lenders offering loans for financial advisers look at recurring income, client retention, the age profile of the book and the firm's regulatory record. Advisory firm finance can also fund partner and principal buy-outs, platforms and compliance technology, working capital through integration and tax peaks. Whether you are an IFA, wealth manager, mortgage or insurance broker, we search the market for lenders who understand recurring-income businesses and structure the deal so the firm stays liquid.
Questions
What financial & advisory firms usually ask.
Can I get a loan to buy an IFA client book?
Yes. Client book acquisitions are commonly funded, with lenders looking at the recurring income being acquired, typically ongoing adviser charges, along with client retention, the demographics of the book and your firm's compliance record. We help structure the completion payment and any deferred consideration, then approach lenders who understand recurring-income advisory businesses.
How do lenders value a financial adviser's client book?
Lenders tend to focus on the reliability of recurring income rather than initial fees, looking at retention, the age profile of clients, assets under advice and how concentrated income is across clients. The price agreed with the vendor and the amount a lender will support can differ, so it helps to talk before terms are agreed.
Can finance cover deferred consideration on an advisory firm acquisition?
Often, yes. Many advice firm deals are paid partly at completion and partly over time, sometimes linked to retention. Finance can fund the upfront payment, and some lenders will refinance later instalments into a single facility. We review the agreed terms and search the market for a structure that keeps the firm liquid through integration.
Does buying an advice firm need FCA approval, and does it affect the funding?
Buying a regulated firm can require FCA approval for a change in control, and lenders will usually want to understand the regulatory position, the target's complaints history and any past advice liabilities, such as defined benefit transfers. Your compliance adviser or solicitor should confirm the regulatory steps; we make sure the funding timetable allows for them.
Can a financial planning firm fund a retiring partner's exit?
Yes. Partner or principal buy-outs can be funded so the remaining owners acquire the retiring partner's share, usually assessed on the firm's recurring income and profitability. Lenders will want to see the shareholder or partnership agreement and the agreed valuation. We explain the likely structure before approaching lenders.
Knowledge Hub
Read the guides.
Fee Block Finance: How Accountancy and Advisory Practices Fund Buying a Client Book
A practical guide to financing a fee block purchase: how deals are priced and structured, what lenders look at, and how to protect cash flow while the clients bed in.
Funding Your PII Renewal: Professional Indemnity Premium Finance Explained
How premium finance spreads the cost of professional indemnity insurance, what to check before signing, the regulatory context for solicitors, and the alternatives.
Let's talk
Talk it through
with a specialist.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.