Business loans for insurance brokers

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. A brokerage's value sits in a book of recurring income rather than the plant and property a generalist credit team looks for, so a book purchase or a buy-in is often read conservatively when the renewals are the real strength. Our role is to know the lenders across our panel of more than sixty bank and non-bank lenders that back recurring-revenue businesses on how they actually earn, so you are not approaching each one yourself. As your book grows and you add authorised representatives or buy the next register, the same team stays with you. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on your recurring income and trading strength and can be arranged in days, which suits a limit of $100K to $500K. Secured facilities, backed by property, support larger amounts and price better, and make sense once you are funding a sizeable book purchase or a partner buy-in. Most established brokerages end up with a mix, and we shape which sits where.

A book is valued on the recurring income it produces and how well those clients renew, usually as a multiple of that income rather than on any hard asset. Lenders that fund recurring-revenue businesses read the retention history and the client quality, then size the facility so the renewals carry the repayments across the year. Lending here commonly runs from $100K to well into seven figures, and our range extends to $100M for larger deals. The binding constraint is usually serviceability and retention rather than security.

Yes, and the equipment is normally the security rather than property. IT hardware and office fit-out can both be funded new or used, and a full platform and hardware refresh can go on one facility. Terms are typically matched to the life of the asset, and established brokerages can often be assessed on bank statements and BAS rather than full financials. It keeps a technology upgrade off the overdraft and turns it into a predictable monthly repayment.

An unsecured facility can often be approved within 48 hours and funded inside a week where the brokerage is established and the BAS and bank statements are current. Secured facilities take longer, typically two to four weeks, because a valuation is involved. The practical advice is to open the limit before the renewal peak, ideally when you are planning the spend rather than when the bill is already due. Timeframes are indicative and subject to lender appetite and approval.

Yes. Many lenders assess established brokerages on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits a business whose accounts lag its current run rate, especially just after a book purchase. It works best where the trading account shows regular receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Yes. Buy-ins, buyouts and equity purchases are funded against the recurring income and the client retention rather than physical security, which is how these deals work in broking. We weigh an unsecured facility against a property-secured one, size the repayments to the income the equity produces, and place the deal with a lender that lends on how a brokerage actually earns. Getting the recurring income presented properly is most of the work, subject to serviceability and approval.

Yes. A short-term or revolving facility can bridge a BAS, PAYG or income tax bill so a lumpy obligation does not draw down the cash you run the desk on. Where you already have an ATO payment plan, disclose it early, because several lenders will still proceed when it is in place and being met. We size the facility to the obligation and set repayments to fall as renewal income lands, subject to serviceability, lender appetite and approval.

Yes, and it is a commercial property deal rather than a working capital one. Owning the premises takes a rising rent out of your cost base and builds an asset alongside the brokerage, and owner-occupiers can generally borrow a higher proportion than a passive investor would. Your recurring income is assessed alongside the property. Our commercial property team handles these end to end through our brokerage commercial mortgage service.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as an office property loan for your brokerage, we also assist with office fit-out finance for brokerages and working capital. On asset finance, that covers the broking platform, IT hardware and office fit-out. On working capital, we arrange business overdrafts, lines of credit and cash flow funding. We also arrange commercial mortgages if you are buying or refinancing the office your brokerage operates from.