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.

Acquire a client book sooner

Move quickly on quality acquisition opportunities without waiting years to self-fund. Use structured funding to secure the right book when it becomes available, with repayments supported by recurring trail income.

Fund succession and partner buy-outs

Enable smooth ownership transitions by funding partner exits, internal buy-outs, or staged succession plans. Maintain continuity for clients while aligning long-term ownership with your business goals.

Unlock capital from your existing book

Access capital secured against your trail income to reinvest into growth, fund acquisitions, or strengthen your business — without needing to sell down your book or give up control.

Preserve liquidity and flexibility

Complete acquisitions or restructure ownership without tying up personal or business cash. Maintain working capital and flexibility to continue investing in growth opportunities as they arise.

Man with glasses working on laptop showing a financial dashboard with charts, numbers, and graphs.
Man with glasses working on laptop showing a financial dashboard with charts, numbers, and graphs.
Man with glasses working on laptop showing a financial dashboard with charts, numbers, and graphs.
Man with glasses working on laptop showing a financial dashboard with charts, numbers, and graphs.

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.

Get in touch about funding

INSTANT INDICATIVE MARKET APPRAISAL

What could your advice firm be worth?

Answer a few questions and get an instant, indicative value range for your firm — whether you're planning a sale, succession, acquisition or funding.

Start The Appraisal

Confidential. No obligation. Takes about 3 minutes.
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The Adviser Exit & Succession Playbook
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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.

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.

Aerial view of glacial rivers branching through icy, rocky terrain with contrasting turquoise and deep blue waters.

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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.
Company Director