Sub-origination
Build your brokerage. Powered by Finsterl.
The systems. The lender access. The compliance infrastructure. The support. Whether you're placing a deal outside your accreditations or building an entire finance operation, you keep the client — we bring the infrastructure.
65+
Lenders & funding providers
Banks, non-banks, fintech, specialist and private funders
2
Ways to operate
Finsterl branded or your own white-label brand
~1 week
Indicative setup timeframe
Subject to documentation, approvals and third-party requirements
1
Connected ecosystem
Technology, compliance, lenders, support and training
Executive proposition
The barrier is rarely finance. It's the ecosystem around it.
Establishing a finance broking operation rarely fails because someone cannot learn finance. It stalls on everything that surrounds it — licensing structure, compliance, lender accreditations, technology, credit and banking data tools, workflows, reporting and support. Sub-origination brings those elements together into one supported environment.
Who it's for
One infrastructure. Very different partners.
Aspiring finance brokers
You want to enter broking and build your own business, but navigating licensing, accreditations, compliance and systems independently is a significant undertaking.
Existing businesses
Your customers already require finance. A finance capability creates an additional revenue stream and a better customer outcome within your existing proposition.
Dealerships & merchants
Vehicle, equipment, machinery and recreational asset sellers who would benefit from an internal or closely integrated finance pathway for customers.
Existing finance professionals
Lending, banking, commercial finance or sales experience, and a desire for greater control over your income, your clients and your operation.
Entrepreneurs & referral-led operators
Strong networks or consistent sources of business, without wanting to independently build the entire operational ecosystem behind them.
Multi-broker operations
Established teams wanting infrastructure that scales across multiple loan writers, referral partners and sales management.
Also for
Brokers placing a deal outside their niche
- Mortgage brokers whose clients need asset or business finance
- Asset finance brokers without accreditation for a specific lender
- Accountants and advisers who want a compliant referral path
- Brokers with a deal outside their usual niche or comfort zone
- Aggregator groups needing overflow capacity
How placement works
A simple, transparent process
Send the deal, not the paperwork
A short summary is enough to start — asset, amount, entity, timeframe and anything unusual.
We assess placement honestly
We tell you quickly whether it's fundable, what it will likely look like, and which lender fits.
We originate and manage
Structuring, lodgement, lender negotiation, conditions and settlement coordination.
Your client stays yours
We work to your preferred level of visibility and hand the relationship straight back after settlement.
Two ways to operate
Operate under an established brand, or build your own
Both pathways lead into the same Finsterl-powered ecosystem — the same technology, lender access, compliance framework and broker support.
Finsterl Finance branded
Operate as a Finsterl Finance branded sub-originator. Suited to partners who want to leverage an established finance brand and concentrate on generating and writing business rather than establishing a separate market identity.
- Established brand presence
- Faster go-to-market
- Existing operational framework
- Reduced branding setup requirements
- Concentrate on client relationships and writing finance
White label / your own brand
Establish your own business identity and operate as an authorised credit representative within the relevant Finsterl licensing structure, subject to applicable approvals and agreements. We can guide you on brand, website and operating infrastructure.
- Build your own brand and trading identity
- Develop your own website and digital presence
- Build enterprise value in your own operation
- Create a finance division within an existing business
- Establish a potentially scalable standalone brokerage
Lender access
Breadth that lets you explore solutions, not force them
Banks, non-bank lenders, fintech lenders, specialist financiers, private funders, rental and leasing financiers and niche providers. Access to individual lenders is subject to accreditation and the relevant requirements.
Technology & CRM
Your own CRM and broker compliance environment
Every sub-originator receives a dedicated environment configured by Finsterl — built to run a single-broker operation and to scale to a multi-broker business.
Leads & clients
Lead management, client records, digital application links and a single view of every opportunity in your pipeline.
Applications & workflow
Application processing, compliance workflows, deal tracking, document management and workflow automation.
Lender matching
Lender matching functionality can use key application information to help identify potential options. It supports — it does not replace — broker judgement, and it does not determine eligibility or approval.
Reporting & forecasting
Performance reporting and commission forecasting so you can see pipeline, conversion and expected settlements.
Referral partner management
Manage referrers, attribute opportunities to their source and keep introducers informed automatically.
Automation & API
Automated client communications, API functionality and scalable workflows suitable for individual brokers through to multi-broker operations.
Compliance infrastructure
A structured environment designed to support how you operate
Finsterl provides systems, documentation and guidance designed to help brokers operate within the required compliance framework. Responsibility for compliance remains with the broker and the relevant licence arrangements.
- Broker compliance system with guided workflows and documented procedures
- Compliance documentation, process documentation and compliance training
- Ongoing compliance support, including assistance navigating relevant ASIC portals
- Assistance with AFCA membership setup
- Support around corporate and individual credit representative structures, where applicable
Credit & data tools
Assessment tools inside your workflow
Established third-party platforms, available within the relevant service arrangements. These platforms are provided by their respective owners and are not Finsterl products.
Equifax
Individual and company credit reports, relevant company and title searches, and CreditorWatch reports where available within the service.
illion BankStatements
Digital bank statement collection, detailed transaction and banking reports and expense analysis, integrated into the CRM workflow.
Supporting platforms
Access to or integration with workflow, marketing and processing tools such as Mailchimp, Burst SMS / Kudosity, Sejda and Typeform or custom application links.
Support & training
You don't get software credentials and get left alone
Technology does not replace experience. Sub-originators have access to an experienced team who can workshop transactions with you and help you develop as a broker.
Deal workshopping
An experienced team you can talk transactions through with — structure, lender selection and how to present a scenario properly.
Lending fundamentals
Understanding lender policy, reading a lending scenario, information gathering, application packaging and credit assessment fundamentals.
Consumer & commercial
Working across both sides, including how they differ in structure, documentation and lender expectations.
Systems & compliance
Using the CRM effectively and working through compliance processes and documentation requirements.
Repeatable processes
Working with referral partners, developing efficient workflows and building broking processes that scale.
Business development
Website and online presence guidance, brand development, SEO support, lead capture, email and SMS communication and CRM nurture workflows.
Income & remuneration
Revenue is generated from settled transactions
Finance brokers earn income from finance transactions they originate and settle. Sub-originator income is calculated as a simple percentage split of applicable upfront commissions generated from successfully settled finance transactions, as those commissions are paid to Finsterl Finance.
Matters the agreement can address
- Settlement-based remuneration
- Applicable commission splits
- Timing of commission payments
- Treatment of different transaction types
- Bespoke commercial arrangements
- Business introduced by the licence holder
- Optional additional support arrangements
- Deal processing arrangements
- Marketing arrangements
A separate Income & Commission Guide setting out an individual commission split and remuneration structure can be provided on request. Commercial terms may vary depending on the individual partnership arrangement and are governed by the applicable Sub-Origination Agreement.
Example business models
One ecosystem. Multiple business models.
Standalone brokerage
Build a dedicated finance broking business under your own brand or the Finsterl brand.
Existing business + finance division
Add finance capability to an existing customer proposition and capture value already leaving your business.
Dealership / merchant finance
Create an internal finance pathway for customers purchasing vehicles, equipment, machinery, goods or services.
Supplementary finance business
Develop broking as an additional commercial activity alongside an existing occupation or business, subject to the relevant requirements.
Multi-broker operation
Support multiple loan writers, referral partners and sales management within one operating environment.
Onboarding process
From decision to brokerage
Where documentation and external requirements are completed promptly, Finsterl can potentially establish a functioning broker operation in approximately one week. This is indicative only and subject to documentation, third-party requirements, approvals, memberships, insurance, accreditation requirements and individual circumstances.
Choose your model
Finsterl branded, or your own white-label brand.
Provide your details
Submit the required business and loan writer information.
Complete external requirements
Relevant checks, AFCA membership, insurance and other onboarding items. We can guide you through these.
Agreement
Finsterl prepares the sub-origination agreement covering commercial terms, responsibilities and bespoke arrangements.
System setup
We configure the broker CRM, compliance environment and relevant workflows.
Training
System, compliance, process and broking onboarding for each loan writer.
Ready to originate
Origination can commence once the applicable requirements, appointments, access and approvals have been satisfied.
Onboarding checklist
What we need to get your setup underway
Provide the following business and loan writer information and we can begin preparing the applicable agreements, appointments, systems and onboarding process. If you need help obtaining anything below, ask us.
Your business
- ABN and confirmation of business structure
- Details of key stakeholders and relevant business personnel
- Confirmation of operating model — Finsterl branded or own brand
- Primary contact email and phone number
- Bank account details for commission payments
Each proposed loan writer
- Police check and bankruptcy check
- Front and back of driver's licence
- Short résumé / CV
- Email address and phone number
Membership & insurance
- AFCA membership
- Professional Indemnity Insurance
- Public Liability Insurance
- We can discuss adding an eligible sub-originator to Finsterl's corporate policy, subject to availability, insurer requirements and approval
Branding decision
- Finsterl Finance branded, or white-label / own brand
- If own brand — proposed business or trading name
- Existing logo, brand assets and website details if available
- Starting from scratch is fine — we can guide cost-effective branding and website setup
All finance is subject to lender assessment, eligibility criteria, terms and conditions. Rates and fees depend on individual circumstances. Finsterl Finance operates under Australian Credit Licence 568199. Access to individual lenders, platforms and services is subject to accreditation, approval and the applicable service arrangements. Timeframes and roadmaps are indicative only and depend on individual circumstances, documentation, memberships, insurance and third-party processing. Third-party platforms remain the property of their respective owners. Finsterl provides systems, documentation, guidance and support — nothing here constitutes legal advice, and responsibility for compliance remains with the broker and the relevant licence arrangements. No representation or guarantee is made as to income, lead volumes, search rankings, business outcomes, finance approvals or compliance outcomes.
Sub-originator resources
Guides and onboarding checklist
Download the sub-origination guide and the onboarding checklist so you know exactly what we need to get your first deal moving.
Send us a deal
Tell us what you're trying to place
Outline the asset, the entity and the timeframe. We'll come back with a straight answer on placement.
Not sure if a deal is placeable?
Ask before you decline it. A five-minute call is usually enough to know.