Borrow against your commissions — no property security needed.
You've built a valuable trail book, rent roll, or planning book. We treat that recurring income as a real asset — so you can access capital to grow, buy a book, or manage cash flow without putting your home on the line.
Eligibility varies. We'll confirm suitability after a quick review of your commission income and supporting statements.
Your commissions are worth more than you think.
Banks don't always recognise recurring commission income as security. We do. Whether you're a mortgage broker with a trail book, an accountant with fee-based clients, or a financial planner with a planning book — we can lend against that income so you can access capital now.
Your commission income is the security. No second mortgage, no property valuations.
Access capital without selling or giving up ownership of your income stream.
Interest-only periods and balloon payments structured around your cash flow.
From application to settlement in around two weeks.
- ✓ Borrow: $150,000 – $5,000,000
- ✓ Security: your commissions (trail / rent roll / planning book)
- ✓ Minimum income: $10k/month in recurring commissions
- ✓ Documentation: 6 months of commission statements
Simple process, fast results
We've streamlined everything so you can go from enquiry to funded in around two weeks. No complex paperwork, no surprises.
- ✓ 6 months of your commission income statements
- ✓ A quick overview of your book (trail / rent roll / planning)
- ✓ What you need the funds for
- 1Tell us about your situation
Fill in the enquiry form or give us a call. Share your commission profile and what you're looking to achieve. We'll let you know quickly if we can help.
- 2We assess your commission income
We review 6 months of your commission statements and the underlying book. Straightforward questions, clear communication, no hidden fees.
- 3Get funded
We structure the loan to match your cash flow — including interest-only or balloon options. Settlement is typically around two weeks from application.
Built for professionals who earn recurring commissions
If you earn regular commission or fee income, you're sitting on an under-utilised asset. We help you unlock that value — without putting your home or property on the line.
Use your trail book to fund growth, buy another book, hire staff, or smooth out cash flow between settlements.
Borrow against your recurring fee income to expand your practice, manage ATO obligations, or fund an acquisition.
Unlock value in your planning book for succession planning, acquisitions, working capital, or debt management.
We'll get back to you with a clear answer and next steps.
What you can use the funds for
Any legal business purpose. Here are the most common reasons mortgage brokers, accountants and financial planners come to us.
Hire staff, invest in marketing, open a new location, or upgrade your systems — without waiting for monthly commissions to trickle in.
Fund the purchase of a trail book, rent roll, planning book, or accounting client base and start earning from it immediately.
Borrow against your commission income to settle ATO obligations and stabilise your cash flow.
Consolidate or restructure existing business debt into a clearer, more manageable structure.
Smooth seasonal volatility and keep momentum through busy periods without dipping into personal savings.
Support one-off financial needs like divorce or separation without being forced to sell your book.
Send us a quick enquiry and we'll come back with a clear yes or no — plus exactly what we'd need to get started.
Trusted by brokers, planners and accountants across Australia
We keep the process straightforward and communicate clearly — because you've got a business to run.
- ✓ We understand commission-based businesses
- ✓ No property security required
- ✓ Tailored loan structures to match your cash flow
- ✓ Australia-wide, all states and territories
“The process was simple, communication was great and extremely transparent with no hidden fees or surprises!”
“They took the time to understand my circumstances and tailored a solution that worked for me. Very commercial and flexible.”
“They helped us to clean up some debts and ease our cash-flow significantly. Totally recommend them!”
“Great people to deal with and fantastic customer service and follow ups. Thank you all for your help and support.”
Common questions
Straight answers to the things most people ask before getting started.
Call 1300 222 733 or send an enquiry below.
No. We lend against your commission income (trail books, rent rolls, planning books), so there's no need for a second mortgage or property security.
Get a quick answer on your situation
Tell us a bit about your commission income and what you need. We'll come back with a clear yes or no — and exactly what we'd need to move forward.
- ✓ We review your commission profile and purpose
- ✓ We confirm what's possible (and what's not)
- ✓ We outline the documents needed to proceed
Phone: 1300 222 733
Email: enquiries@abcredit.com.au
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