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Commercial Lending Guide Talk to a BDM
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"Macquarie Business Banking deeply understands the accounting and financial planning industry and has a specialist team of bankers who focus solely on this space. Our team provide direct access to industry insights which we have gained from over 30 years of banking Australian accounting and financial planning firms. We have the cash-flow lending experience coupled with tailored banking solutions to support business growth ambitions via both M&A and succession funding.”
 

Olivia Ellis
Head of Accounting and Financial Services
 

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What we offer

Cashflow lending

Business cashflow funding, based on the value of accounting and financial planning firms, which may be used for activities such as mergers and acquisitions, firm fit outs, working capital or changes in equity ownership.

Property loans

Competitive LVRs and funding for property-backed portfolios, across residential and commercial properties, for accounting and financial planning businesses.

Specialist team

Our specialist team can help your clients access unique products and tailored banking solutions. We have bankers with specialist mergers and acquisitions and succession planning expertise.

Industry expertise

Our relationship managers have a deep understanding of the accounting and financial planning industries and their ecosystems. We provide thought leadership and industry insights to support business growth.

Lending guide

Accounting and financial planning lending is based on:

  • Loan sizes are dependent on a number of factors, but our target lending requirements are typically $1 million and above
  • Minimum of $1.5m of recurring revenue (accounting, wealth or risk)
  • Self-licensed or an authorised representative of a Macquarie accredited dealer group
  • Minimum of two qualified financial advisers/accountants within the business
  • Funding capacity of;
    • Up to 3.75x normalised EDITDA*
    • Interest only (IO) ongoing available at 2.5x EBITDA*

Further information can be found in the Accounting and Financial Services (AFS) Flyer.

Information on lending parameters is provided as a guide only. Each loan will be subject to individual assessment in accordance with our credit and other internal policies. Additional parameters may apply.

Standard property loans

  • Competitive LVRs for residential and commercial properties
  • Range of loan purposes are available including uses such as equity release and cash out
  • Redraw available on most facilities.

Information on lending parameters is provided as a guide only. Each loan will be subject to individual assessment in accordance with our credit and other internal policies. Additional parameters may apply.

Read our case studies

Businessman and businesswoman talking in lobby

Case study 1

A wealth business with existing shareholder buy-in loans was looking to acquire a new business to support its growth. Macquarie was able to offer $10m of cashflow lending.

The funding solution:

  • $5m refinance of shareholder buy-in loans
  • $5m acquisition funding 

The case studies are guides only. Each loan will be subject to individual assessment in accordance with our credit policy and other internal policies. Additional parameters may apply. 

Business man and woman discussing over a digital tablet at work in a bright white room.

Case study 2

A multidisciplinary wealth and accounting business with existing shareholder buy-in loans, wanted to increase lending to include new entrants. Macquarie was able to offer $7m of cashflow lending, amortising back to 2.5x EBITDA* over 5 years, then on interest only terms.

The funding solution:

  • $4m refinance of existing buy-in loans
  • $3m additional funding for buy-in loans to new entrants 

This was possible at 3.75x normalised EBITDA*.

The case studies are guides only. Each loan will be subject to individual assessment in accordance with our credit policy and other internal policies. Additional parameters may apply. 

Talk to a BDM

Talk to a specialist BDM in your state today.

Meet the team

Download our Commercial Lending Guide

View our Commercial Lending guide to assess your client’s suitability for a product.

Download the guide

Learn more about the accounting and financial planning industry

Access accounting and financial planning industry insights and thought leadership content.

Access insights

Additional information

The information on this page has been prepared by Macquarie Business Banking, a division of Macquarie Bank Limited AFSL and Australian Credit Licence 237502 for the use of licensed and accredited brokers only. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products.

*

This is a guide only. EBITDA can be adjusted for items such as principal salaries, exceptional items and other factors based on individual loan assessment.