Finance Referral Partner Program for Business Advisers
Help your clients move forward when finance becomes part of the plan.
Partner with Yes Approved and give your clients access to 40+ Australian lenders across business vehicles, equipment, commercial finance and personal lending.
Fast scenario support, 7-day availability, policy and pricing diversification, YES Track referral visibility and direct broker access when a client needs finance assistance.
Finance Support For Your Clients
Your client has the opportunity. We help work through the finance.
You don't need to know which lender fits.
Identify the opportunity A client needs finance for a vehicle, equipment, business requirement or other worthwhile purpose.
Send us the scenario Give us a quick overview or introduce the client directly.
We assess the pathways We consider suitable lender policy, pricing and structure.
We work with your client Yes Approved manages the finance process while keeping the referral relationship connected.
Supporting Your Client Relationships
Finance is often part of the business conversation
Business advisers are regularly involved when clients are planning growth, purchasing assets, replacing vehicles, managing cash flow or restructuring existing commitments.
Yes Approved gives you a specialist finance partner to bring into those conversations without requiring you to arrange the lending yourself.
Quick Scenario Reviews
Run the client scenario with us before making a formal referral and get an initial view on potential finance pathways.
Available 7 Days
Our team is available seven days a week when an active client opportunity needs attention.
40+ Lenders
A broad lender panel provides greater diversification across policy, pricing, client circumstances and finance purpose.
Track Referrals
YES Track gives participating partners greater visibility as referred clients progress through the finance process.
Dedicated Referral Pathway
Your business can have a dedicated QR code and online pathway for clients who are ready to discuss finance.
Specialist Finance Support
Extend your client service across asset, commercial and personal lending without adding finance broking to your own workload.
Everyday Client Opportunities
When finance becomes part of the client's next move
From replacing a work vehicle to purchasing machinery or dealing with existing liabilities, we can assess a broad range of finance requirements.
Business Vehicle Finance
Cars, utes, vans and other eligible vehicles purchased for business use.
Explore Business Vehicle Finance → EQEquipment Finance
Machinery, construction equipment, agricultural assets and other eligible business equipment.
Explore Equipment Finance → CFCommercial Finance
Broader finance support for eligible business and commercial requirements.
Explore Commercial Finance → PLPersonal Loans
Secured and unsecured personal lending for eligible worthwhile purposes.
Explore Personal Loans → DCDebt Consolidation
Eligible liabilities may be able to be refinanced or consolidated depending on client circumstances and lender requirements.
Explore Debt Consolidation → LDLow Doc Finance
Alternative documentation pathways may be available for eligible self-employed and business clients.
Explore Low Doc Finance →Business Growth & Cash Flow
Help clients fund assets without losing sight of working capital
A client may be financially capable of purchasing an asset outright, but that doesn't always mean using cash is the preferred strategy.
Vehicle and equipment finance may allow eligible businesses to acquire productive assets while retaining cash for wages, inventory, expansion or other operating requirements.
We can work through the finance options while you continue advising the client on the broader business strategy.
Replacing Assets
Vehicles and equipment reaching the end of their useful life.
Business Expansion
Additional vehicles, machinery or equipment required to grow.
Working Capital Preservation
Financing eligible assets rather than using all available cash.
Restructuring
Reviewing eligible existing liabilities where refinancing may be appropriate.
Tax Debt & Consolidation Scenarios
When existing liabilities start limiting the client's options
Tax liabilities and other existing debts can place pressure on otherwise viable businesses and individuals.
Depending on the client's circumstances and lender policy, secured or unsecured finance may be available for worthwhile purposes including eligible debt consolidation and tax debt consolidation.
These situations can be complex. Rather than trying to determine lender fit yourself, send us the scenario and we'll assess the available options.
Run a Client ScenarioExample Client Situation
“The business is performing well, but existing tax debt and other repayments are restricting cash flow and future investment.”
We'll assess whether a suitable finance pathway may be available based on the client's overall circumstances.
Self-Employed & Business Clients
One business can look very different across different lenders
Business age, ABN and GST registration, income verification, financial statements and the type of asset being purchased can all influence lender eligibility.
Some clients may have full financials available. Others may need an alternative documentation pathway.
Yes Approved can assess the scenario across a broader lender panel and determine which pathways may be worth exploring.
Low Doc
Alternative verification may be available where lender policy permits.
Newer Businesses
Some lenders may consider shorter trading histories depending on the overall scenario.
Different ABN Requirements
Minimum registration requirements can vary between lenders.
Different Documentation
Required supporting information depends on the lender, product and application.
Policy & Pricing Diversification
You don't need to know which lender fits. That's our job.
Different lenders can have very different policies, risk appetites, pricing and product structures. We assess the client's overall scenario rather than trying to fit every client into one lender.
Different lender policies
- Business trading history
- ABN and GST registration
- Income verification
- Low-doc eligibility
- Client credit profile
- Asset type and age
- Finance purpose
- Loan amount
- Deposit or equity
- Existing commitments
Different finance structures
- Interest rates
- Lender fees
- Loan terms
- Secured or unsecured finance
- Balloon or residual options
- Commercial lending products
- Personal lending products
- Risk-based pricing
- Repayment structures
- Deposit requirements
Run a Client Scenario
Ask the question before making a formal referral
You don't need to know which lender might work. Give us an overview of the client, finance purpose and circumstances and we'll take a look.
Client personal details can remain optional if you're simply checking whether a potential finance pathway may exist.
Run a Client Scenario
Referral Visibility
Refer. Track. Stay informed.
YES Track gives participating business adviser partners a central referral pathway and greater visibility as referred clients progress through the finance process.
Resources For Your Clients
Give clients useful information before they're ready to proceed
Yes Approved's Resource Centre includes finance guides, Ultimate Guides and buyer resources that partners can share with clients researching vehicles, equipment or other assets.
Partner Arrangements
Commercial arrangements can be available where appropriate
The primary purpose of the partnership is to give your clients access to specialist finance support when a lending requirement arises outside your own service.
Where appropriate, eligible business adviser partners may also have an agreed referral commission arrangement.
Any referral commissions are administered using a Recipient Created Tax Invoice (RCTI).
Client relationship first
We work alongside your advisory relationship rather than trying to replace it.
Simple Referral Process
Keep advising the client. Let us handle the finance.
Identify
A client raises a finance requirement or business opportunity.
Refer
Introduce the client or run the scenario with us first.
Assess
We assess appropriate pathways across our lender panel.
Track
Maintain greater referral visibility through YES Track.
Settle
We manage the finance process through to settlement.
Business Adviser Partner Support
Speak directly with Steve
Have a client scenario you'd like to discuss or want to know how a referral relationship could work for your business? Call, text or email Steve directly.
Become a Yes Approved Business Partner
Give your clients somewhere to turn when finance becomes part of the plan
Access 40+ lenders, 7-day support, business and personal finance capability, scenario assistance, YES Track and a dedicated client referral pathway.
See What Our Customers Say
Real Google reviews from customers who have worked with Yes Approved Finance.
