Business banking for accountants and financial planners


Tailored lending solutions for financial planners

Looking for business finance with an independent banking provider? We can help.

Specially priced, our business loans can help you buy a business or property, finance partner exits, restructure, refinance and improve cash flow.

Find out more about our business loans

How much could your business borrow?

Find out by entering information from your most recent Profit and loss statement

Business details

Net profit before tax

Interest

Depreciation

Extraordinary expenses  

Directors' salaries  

Number of directors
Market salaries for directors
Future maintainable earnings

You could borrow up to ^

Are you refinancing a business loan?

Existing debt secured by business

Lending capacity
Purchasing a new book of fees?

Recurring revenue purchased

Estimated additional expenses

Profit from acquisition

Rates

Financial planners may enjoy preferential or exclusive rates and lower fees, helping to make every dollar count.

Find out if your dealer group is a preferred partner of Macquarie Business Banking.

Request a call

Lending guidelines at a glance^

  • For loans of $600,000 or more, primary consideration is an earnings based approach. As a guide, up to 3 times Future Maintainable Earnings (FME) (EBITDA adjusted for partners’ salaries) on historic and future cash flow
  • Secondary consideration and primary for loans of less than $600,000 is gearing level against recurring revenue (60% of 2.5 – 3 times recurring revenue or purchase price)
  • Security – charge over the financial planning practice, director guarantees, Tripartite with AFSL (dealer group)
  • Business and personal servicing to be satisfactory
  • Minimum loan amount $500,000 (exceptions apply)

Find out more about our business loans

Request a call

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Business banking


Call 1300 654 345

Monday - Friday 8.30am - 6pm (Sydney time)