Financing for investment advisory firms
An advisory firm grows with assets under management, the right team and trust built over time. We help you explore capital for that growth or financing to buy your office.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Eligible book acquisition
- Hiring advisors and support staff
- Technology, compliance and cybersecurity
- Marketing and client events
- Office and meeting-room improvements
OWN™ — buy the building where you operate
Your firm depends on long-term relationships and a place to meet clients discreetly. Owning the office signals permanence and turns a fixed expense into a business asset.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and assets under management and recurring fees. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
Frequently asked questions
Is buying a client book considered?
Eligible business acquisitions are considered in specific industries. We review it before the file goes to the lender.
How is recurring fee income evaluated?
Recurring revenue is analyzed within the business cash flow and your repayment capacity.
Do I need to pledge personal assets?
GROW\u2122 does not require a lien on specific personal assets. Limited business collateral requirements may apply.
Can I buy the office I rent?
In many cases, yes, if your firm occupies most of the property, with amounts up to $5 million or more.
Related uses of capital
Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.
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Buying a business that already works gives you customers, staff and cash flow from day one. SBA financing can cover the acquisition and, when it applies, the building too.
Learn more
A renovated space attracts customers, improves their experience and helps you work better. With working capital you can make those improvements without slowing down daily operations.
Learn moreIndustries
- Accounting & tax
- Agriculture
- Auto dealerships
- Automotive care
- Broadband
- Dental practices
- Educational services
- Fitness centers
- Franchise restaurants
- Franchises
- Funeral homes & crematories
- Government contracting
- Hardware stores
- Healthcare
- Home care
- HVAC & plumbing contractors
- Insurance agencies
- Law firms
- Managed service providers
- Pet care facilities
- Pharmacies
- Professional services firms
- Property management
- Restoration, remediation & cleaning
- RV parks
- Self-storage
- Veterinary clinics
- Other established small businesses
Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.