Working capital
Short-term funding to support trading, seasonal cash flow or operational requirements.
For advisers
A business finance pathway for your clients
Fundsmart works with professional advisers where a client has a business, asset, commercial property, development or specialist funding requirement outside the adviser’s usual area of work.
Referral positioning
Help your client without needing to become the business finance specialist
A client may approach a mortgage adviser, accountant or other trusted professional before they know what type of commercial finance is required. Fundsmart can review the proposed transaction, explain what information may be needed and consider possible funding pathways.
Types of referrals
Commercial funding requirements Fundsmart can review
Equipment and commercial vehicles
Finance for business assets, machinery, trucks and commercial vehicles where the client needs a structured proposal.
Business purchases
Funding to acquire an existing business, goodwill, shares or a competitor’s book.
Commercial property
Refinance, purchase or equity release for commercial, industrial or retail property.
Development finance
Residential subdivision, townhouse, terrace housing and smaller commercial development projects.
Bridging and short term finance
Temporary funding while a sale, refinance or longer-term solution is finalised.
Business and IRD debt refinancing
Restructuring existing business debt or tax obligations into a more workable arrangement.
Stock, import and trade finance
Funding to purchase inventory, import goods or support supplier and customer trading cycles.
Invoice and contract finance
Funding against receivables or contract milestones to improve cash flow.
Specialist commercial transactions
Complex or non-standard funding requirements that fall outside typical residential or consumer lending.
Referral process
How the referral process works
01
Introduce the opportunity
The adviser provides the client’s authority and basic details of the proposed transaction.
02
Fundsmart contacts the client
Fundsmart discusses the funding purpose, timing and business circumstances.
03
Fundsmart reviews and structures the enquiry
Where appropriate, Fundsmart gathers the relevant information and considers possible provider pathways.
04
The adviser is kept informed
Subject to the client’s authority, Fundsmart keeps the referring adviser informed about the progress and outcome.
Client relationship
A collaborative approach
Fundsmart’s role is to assist with the business or commercial finance requirement. We recognise the importance of the referring adviser’s existing client relationship and will work collaboratively, subject to the client’s instructions and privacy obligations.
Referral income
Referral arrangements
Fee sharing arrangements are agreed directly with approved referral partners before referrals are progressed. Fundsmart’s intended referral model is structured so lender clawback is not passed back to the referring adviser, subject to the agreed written terms.
Have a transaction to discuss?
Send Fundsmart the basic details or contact us before introducing the client.
Fundsmart is a finance broker, not a lender. Finance is subject to the selected funding provider's assessment, approval, terms and documentation.
Fundsmart assists with business, commercial and investment purpose finance. We do not arrange consumer residential mortgages or personal lending.