Client Base Funding
Capital secured by your client base
Access capital secured against Insurance, Mortgage, KiwiSaver, Investment, Rent Roll, and other recurring trail income streams. Structured to support acquisition, succession, and growth.
What this funding is for
Unlock capital from your trail income — without selling your book.
How it Works
We start by understanding the value of your client base, then structure funding around it.
01
Independent Valuation
We connect you with an independent valuer to complete a formal valuation of your book.
02
Funding Offer
Following the valuation, you can receive funding of up to 80% of the assessed value.
03
Funds Advanced
Funds are advanced for you to complete the purchase or fund business growth.
Our approach
Built by people who understand adviser businesses
Built for adviser businesses
We’ve spent 20+ years in the financial advice industry. We understand client books, trail income, and retention — and we structure funding around how adviser businesses actually operate.
Funding aligned to real value:
Your client base is a valuable asset. We use independent valuation and verification, then tailor a funding solution that’s designed to support growth, acquisition, and succession — without unnecessary complexity.
Simple process. Clear outcomes.
Work directly with decision-makers. We move quickly, communicate clearly, and keep things seamless — so you can focus on your clients while we turn your client base into usable capital.
About us
Understanding built on experience
With more than 20 years of industry experience, we know first-hand how adviser businesses operate –and the funding they need to thrive. We specialise in short-term, security-led lending solutions for businesses that are ready to grow.
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frequently asked questions
What types of books do you fund?
We fund a range of recurring-income books and assets, including Mortgage, Insurance, KiwiSaver, Investment, Rent Rolls, and other established revenue streams.
Can I use this to buy another book?
Yes. Client base funding is commonly used to acquire client books, allowing you to move on an opportunity without waiting years to self-fund.
How much can I borrow against a book?
Funding is typically structured at up to 80% of the independent valuation of the client book, subject to assessment of quality, stability, and cash flow.
Do I need property as security?
No — funding is secured primarily against the client book and its recurring income, and typically does not require property security.
How quickly can funding be approved and settled?
Once the independent valuation has been completed, we can advance funds within 24 hours.
Can this help with succession or partner buy-outs?
Yes — our funding can help facilitate succession by providing capital to internal buyers already working in the business, allowing ownership to transition to the next generation without forcing a sale to a third party.
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Zurix made our partner buy-out seamless. They understood the value of the book, structured funding appropriately, and allowed us to complete the transition without disrupting clients.