Financing Solutions for Financial Advisors

Acquiring a book of business is one of the most significant investments a financial advisor will make. Whether you're looking to buy a financial advisor practice in Canada or expand an existing one, Care Lending Group provides tailored practice acquisition loans that enable IIROC/CIRO advisors, MFDA advisors, insurance professionals, and portfolio managers to purchase an existing practice with confidence.

Our loans are structured around the underlying value of the book — assets under management (AUM), trailing commissions, and recurring revenue streams. We understand holdback structures, transition planning, and the nuances of advisor code transfers, bulk migrations, and repapering processes that are unique to each dealer platform.

Whether you're a full-service investment advisor looking to grow through a book purchase loan or an insurance professional seeking book of business financing in Canada, our dedicated staff will structure financing that aligns with the economics of the deal — including holdback accommodations, vendor take-back (VTB) coordination, and flexible amortization schedules.

Established financial advisors often have significant equity locked in their practice — built over years of client relationships, growing AUM, and consistent revenue. An equity take-out loan allows you to unlock that value without disrupting your practice or your clients.

Common uses include consolidating existing debt, funding personal investments, purchasing real estate, or simply accessing working capital. With an advisor equity take-out loan, your book of business serves as the primary collateral, and loan structures are designed to be cash-flow positive from day one — ensuring your practice remains stable throughout the process.

We offer competitive rates with amortization periods up to 10 years, and our team handles the analysis of your trailing commissions, AUM history, and client retention metrics to determine the optimal loan structure for your situation.