Professional Partnership Programme for Finance Brokers

As Finance Brokers, you’ve done the hard work—secured the approval, structured the deal, and delivered the capital your client needs. But here’s the question that keeps you up at night: Will they actually succeed with it?

Protect Every Deal You Write. Build Relationships That Last.

When a financed business struggles, it doesn’t just affect your client. It affects your reputation with lenders, your ability to secure future deals, and the professional relationships you’ve spent years building. You need your clients to succeed—not just get funded. I’m Garry Godfrey from Australian Business Clinic, and I’ve spent decades helping businesses get their fundamentals right. I work alongside finance brokers like you to ensure the businesses you fund have the financial health, operational capacity, and marketing capability to actually service that debt—and thrive with it.

Because your success is tied to theirs. And that’s exactly why we created our Professional Partnership Programme.

Our Three-Pillar Business Health Check Framework

Financial Analysis (Numbers Pillar)

We validate true loan serviceability beyond application data. We analyse cashflow sustainability, assess working capital adequacy, and expose hidden financial risks impacting debt servicing. Post-funding, we optimise cashflow management and eliminate profit drains eroding repayment capability. Most businesses see 15-25% improvement in debt servicing capacity once we fix pricing, tighten debtor management, and restructure for sustainable profitability.

Operational Assessment (Systems Pillar)

We audit operational capacity to confirm financed businesses can handle projected growth. We validate systems are robust enough to support expansion and identify operational risks that could derail success. Post-funding, we ensure financed assets deliver expected ROI and eliminate bottlenecks. We identify capacity constraints—disconnected systems, undocumented procedures, and dependencies—that create growth limitations. Most clients recover 20-35% of productive capacity through targeted improvements.

Marketing Performance Analysis (Marketing Pillar)

We establish attribution frameworks validating your clients can generate revenue to service debt. We assess customer acquisition sustainability and confirm market demand for financed expansion. Post-funding, we eliminate wasteful marketing spend, establish consistent lead generation, and implement accountability systems converting expenditure into measurable investment. Standard outcomes include 30-45% reduction in acquisition costs while improving conversion metrics and revenue predictability.

The Gap Between Approval and Success

Getting the loan approved is one thing. Making sure your client has the business fundamentals to actually service that debt? That’s something else entirely.

As finance brokers, you’re brilliant at structuring finance solutions. You know the lending landscape, you understand serviceability ratios, and you can navigate even the trickiest approval processes. But once the money hits their account, what happens next is largely out of your hands.

Here’s what you can’t always see from the loan application:

Whether their cashflow can genuinely handle the repayments alongside day-to-day operations
If their operational systems can actually deliver the growth this financing is meant to support
Whether their marketing can generate enough consistent revenue to service the debt long-term

These aren’t lending questions—they’re business health questions. And when clients fail because of weak fundamentals, it reflects on you.

Your Reputation Depends on Their Success

Think about your last three clients who got equipment finance, business expansion loans, or working capital facilities.

How many of them had rock-solid operational systems? How many could show you exactly where every marketing dollar goes and what return it generates? How many truly understood their cashflow timing beyond what their accountant told them at tax time?

You know the answer. Most businesses getting financed are winging it operationally. They’ve got ambition and revenue, but they don’t have the business foundations to guarantee success with borrowed capital.

And here’s the uncomfortable truth: when they struggle, lenders remember who referred them. Future deals get harder. Your professional reputation takes a hit. All because the business fundamentals weren’t there—something you, as finance brokers, had no way to assess or fix.

That’s the gap most finance brokers face: You can structure the perfect loan, but you can’t guarantee the business has the operational strength to succeed with it. Until now.

Introducing the Business Health Check for Finance Brokers

Our Business Health Check isn’t about compliance or bookkeeping. It’s a comprehensive diagnostic across three critical pillars that directly impact whether your financed clients will succeed or struggle:

Numbers: Can They Actually Afford This Debt?

Before Loan Approval:

Validate true loan serviceability beyond what the application shows
Analyse cashflow sustainability—is it reliable or artificially inflated?
Assess working capital adequacy to handle loan repayments plus operations
Identify hidden financial risks that could impact repayment capacity
Determine the debt serviceability ratio with complete accuracy
Expose profit leaks or margin erosion that could derail success

After Funding Secured:

Optimise cashflow to ensure comfortable loan servicing
Implement financial controls that maintain business health throughout the loan term
Identify and eliminate profit drains that erode debt servicing capacity
Improve margins to strengthen profitability and repayment capability
Manage debtor/creditor timing to prevent cashflow stress

What this means for you: You’ll know with certainty that they can afford the debt—not just on paper, but in operational reality. No more hoping they make it work.

Systems: Can Their Operations Handle the Growth?

Before Loan Approval:

Validate that operational capacity can actually support financed expansion
Assess whether systems are robust enough to handle growth from new equipment/facilities
Identify operational risks that could derail loan-funded growth
Evaluate if their technology infrastructure can support increased volume
Determine if they can actually deliver on the increased orders/contracts this financing enables
Check process maturity—are operations stable enough to maintain performance during growth?

After Funding Secured:

Ensure financed assets deliver expected ROI through operational optimisation
Eliminate bottlenecks preventing loan-funded growth from succeeding
Implement automation to maximise productivity from financed equipment
Build scalable systems that support continued growth beyond initial financing
Maintain quality standards during the expansion phase
Streamline operations to handle increased volume without chaos

What this means for you: The equipment or expansion you financed actually generates the growth it was meant to—because their operations can handle it.

Marketing: Can They Generate the Revenue to Service This Debt?

Before Loan Approval:

Validate that marketing can actually generate the revenue needed for debt servicing
Assess customer acquisition sustainability—is lead generation reliable or sporadic?
Identify wasteful marketing spend that could be redirected to loan repayments
Evaluate revenue generation predictability
Confirm the actual market demand for the expansion that this financing supports
Analyse sales pipeline health and customer retention capability

After Funding Secured:

Eliminate wasteful marketing spend that could impact debt servicing capacity
Establish lead generation consistency for reliable customer flow
Improve conversion rates to maximise revenue from marketing investment
Reduce customer acquisition costs to improve profitability
Accelerate revenue growth to deliver the results the financing was meant to support
Implement marketing accountability systems so growth isn’t undermined by waste

What this means for you: You’ll know their marketing can actually generate the consistent revenue needed to make those loan repayments—not just hope and guesswork.

How the Finance Brokers Partnership Works

Simple. Protective. Profitable.

Step 1: You Identify the Opportunity

When you’re working with a client on financing—whether it’s equipment, expansion, working capital, or business acquisition—you recommend an independent Business Health Check to validate their readiness for success.

Position it as protecting their investment: “Before we finalise this funding, let’s make sure your business fundamentals can deliver the growth you’re planning. I work with Australian Business Clinic—they’ll run an independent assessment to ensure you’re set up for success.”

Step 2: We Conduct the Business Health Check

We analyse their business across Numbers, Systems, and Marketing—the three pillars that determine whether financed growth succeeds or fails.

Our team conducts comprehensive diagnostics, interviews key stakeholders, reviews financial data, operational processes, and marketing effectiveness. This isn’t a surface-level review—it’s the deep analysis that reveals whether they’re genuinely ready.

Step 3: We Deliver Findings & Recommendations

We provide your client with a detailed report showing:

What’s working well and supporting their success
Where the risks are that could impact loan serviceability
Specific recommendations to strengthen weak areas before or after funding
Implementation priorities to ensure financed growth delivers results

You receive a summary that gives you confidence in the deal’s success potential.

Step 4: You Earn Ongoing Referral Fees

You receive a referral fee for every Business Health Check you refer
You continue earning ongoing fees for implementation work, advisory services, or follow-up engagements resulting from our findings
Zero capital outlay—we handle all diagnostic and implementation costs
Your client relationships remain protected—we position our work as complementary to your finance expertise

Why Finance Brokers Partner With Us

Protect Your Professional Reputation

When your financed clients succeed, lenders see you as the broker who brings quality deals. Future approvals get easier. Your reputation strengthens. Partnerships deepen.

Create Recurring Revenue Streams

One-time financing transactions become ongoing advisory relationships. Every successful client relationship generates recurring referral income as they implement improvements, return for follow-up assessments, and engage our strategic support.

Differentiate from Other Finance Brokers

Most brokers stop at approval. You’ll be the one who ensures success—protecting both your client and your reputation. That’s a competitive advantage other brokers simply can’t match.

Expand Your Value Without Expanding Your Expertise

You remain the finance expert. We handle the business fundamentals analysis. Your clients see you as the professional who cares about their complete success, not just getting the deal done.

Reduce Deal Risk

Identify problems before approval—saving you from deals that could damage relationships with lenders. Or discover issues after funding that can be fixed before they impact loan performance.

Real Partnership. Real Protection. Real Results.

You didn’t get into finance broking to watch clients struggle. You want them to succeed—because their success is your success.

Our Professional Partnership Programme gives you the tools to ensure every deal you write has the business fundamentals to deliver results. You protect your reputation, deepen client relationships, and generate ongoing revenue—all without becoming a business consultant yourself.

It’s time to stop hoping your financed clients succeed and start ensuring they do.

Meet Garry Godfrey, The Business Whisperer

Principal of ABC’s business management consultants team.
At Australian Business Clinic, you’re not just getting any business management consultant; you’re getting Garry Godfrey; he’s a business whisperer who understands the language of success. With over 40 years of experience in the financial world, Garry has a proven track record of helping businesses like yours thrive. He’s walked in your shoes, faced the same challenges, and emerged victorious.

From Banker to Business Mentor

Garry’s journey began in 1983 at the Commonwealth Bank, where he climbed the ranks to become one of Australia’s youngest bank managers. This experience gave him an insider’s view of the financial world, but Garry had bigger dreams.

Learn More About Garry Godfrey

Finance Brokers: Ready to Protect Your Next Deal?

→ Book a confidential strategy session with Garry Godfrey
→ Call: 0416 067 395
→ Australian Business Clinic, 138 Racecourse Rd, Ascot QLD 4007