Refer clients for business finance, and keep the relationship
For accountants, bookkeepers and agencies whose clients run into a working-capital ceiling. You make the introduction, we do the legwork across 80-plus non-bank lenders, and your client stays yours.
Ecommerce Loans works with referral partners (accountants, bookkeepers and agencies) who see a business finance need before the client names it out loud. You make the introduction, we place the deal across a panel of 80-plus non-bank lenders, and you stay the adviser in the room. Commercial terms are volume-based and agreed on the first call, before you refer anyone.
Most referral arrangements don’t fall over on the commission. They fall over because the partner loses sight of the client the moment the introduction is made. That’s the part we’ve built this around: the introduction isn’t a handover.
What happens after you introduce someone?
You send a name, a number and a one-line reason. We aim to call your client within the hour, or at a time that suits them, and you stay informed on what happens next unless you’d rather not be.
- 01You introduce them. An email, a call or a forwarded thread. Whatever fits how you already work. No portal to log into and no form for you to fill in on your client’s behalf.
- 02We scope it. A first call with your client to work out what they need, what the numbers support, and whether finance is even the right answer this quarter.
- 03We place it. The application goes to the lenders funding that profile right now, rather than to whoever’s website looks closest.
- 04You stay in the loop. You know where it landed, what it cost and what was declined, so you can keep advising properly instead of guessing.
Who does this work for?
Accountants and bookkeepers see a cash-flow problem in the ledger months before the owner says it out loud. Agencies see it when a growth plan stalls on working capital halfway through a campaign.
Accountants and bookkeepers
You already have the financials, the ATO position and the trading history in front of you. When a client asks whether they can afford the equipment, the stock order or the tax bill, a referral is a natural extension of a conversation you were having anyway. It isn’t a sales pitch you have to manufacture.
Agencies and consultants
If you run media buying, ecommerce growth or operations for SME clients, you see the ceiling before they do: the campaign that can’t scale because stock can’t be funded. Working capital is often the constraint on the work you were hired to do, and you’re better placed than anyone to spot it.
Non-bank lenders on the panel, alongside the major banks. The value of a referral isn’t the warm handoff. It’s your client seeing options they’d never have found on their own.
How do the commercials work?
Commission is volume-based, and we agree it with you on the first call, before you refer anybody. There’s no published rate card on this page, because a single number that applied to everyone would be a marketing figure rather than a real one.
What doesn’t change: there’s no cost to your client for the introduction, and no cost to you. Brokerage is paid by the lender at settlement, and it is disclosed in writing to your client before they sign anything. If a deal doesn’t settle, nobody is billed for the work.
If you’d rather not take a commission at all, say so on the call. Some accounting practices can’t, depending on their own licensing and independence obligations. Plenty of referrals work perfectly well as a straight introduction with nothing flowing back.
Who writes the loan?
Ecommerce Loans acts as a referrer. Your client’s application is assessed and facilitated by the team at the holder of Australian Credit Licence 530764, and Andrew, or one of the experienced commercial brokers he works with, will usually take the first call.
That matters more to a professional referrer than to a business owner. When you introduce a client, you’re lending them your judgement, so you’re entitled to know exactly who ends up handling the file and under whose licence the transaction is written. If that structure changes, this page changes with it.
How do we work with you on the file?
As a team of three: you, your client and us. Where you’re happy to, we’d like to work with you on the submission, so the finance supports what you’ve been working towards with the client for the last few years, whether that’s cleaning up the financials or something else, rather than pushing against it. You stay as informed as you want to be. At settlement, with your client’s OK, we’ll send you the signed loan documents and the amortisation schedule, so year end is easier.
Two things partners assume that aren’t true
“I’ll lose the client”
The introduction isn’t a handover. We don’t cross-sell your services back to them, we don’t take over the accounting relationship, and we don’t contact them about anything you didn’t introduce. You asked us to help with one thing, so we help with that one thing.
“It’s a finder’s fee for passing on a name”
It isn’t, and treating it that way is how referral programs get a bad reputation. A name with no context usually wastes your client’s time. A one-line reason (“needs $80k for stock before Christmas, BAS is up to date”) is what makes the first call useful.
What the data says about the clients on your books
You see the ledgers, so most of this will already feel familiar. It’s worth having the numbers behind it, because they tell you which conversations are worth having and which aren’t.
| Businesses in Australia | 2,814,778 at June 2026, up 3.1% on the year |
| Employ nobody at all | 64.6% — and 89.1% have four employees or fewer |
| Sole trader four-year survival | 48.4%, against 66.9% for companies |
| Waiting to be paid | Agreed terms average 29 days; reaching 95% of small business invoices takes 55 |
| Company insolvencies, 2025-26 | 14,153 — down 3.9% on the prior year, but still 2.9 times the 2021-22 level |
Two of those read as warnings and one reads as an opening. The insolvency figure fell for the first time in four years, so the sector-wide panic is easing. But at nearly three times the 2021-22 level, the pressure hasn’t gone. The payment gap is the one that shows up in your clients’ books first: a 26-day difference between the terms they agreed and when the money lands, every cycle, on every invoice. That’s a working capital problem long before it’s a solvency problem, and it’s the point where finance is useful rather than a last resort.
It also tells you when not to refer. A client whose trading is thin, whose deposits are irregular and whose problem is margin rather than timing doesn’t need a facility. A facility makes that worse, and we’d tell them so. The referrals that work are the ones where the money is real and the timing is wrong.
ABS Counts of Australian Businesses, released August 2026; Payment Times Reporting Regulator, August 2026, covering the six months to 31 December 2025; ASIC insolvency statistics, released 14 September 2026, complete financial years.
When shouldn’t you send it our way?
Four situations where a referral doesn’t help your client. If they need a home loan or any other consumer lending, that isn’t what we do. We’re business finance only. If they already have a broker actively working the file, adding a second one muddies the credit footprint and can hurt the outcome. If it’s a straightforward asset purchase and the dealer or manufacturer is offering subsidised finance, that’s often cheaper than anything on our panel. And if the business is pre-revenue or doesn’t hold an ABN yet, there’s usually nothing to place. We’d rather tell you that on the first call than run a process that was never going to land.
Start with a conversation, not a contract
The first call covers what your clients typically need, how you’d like introductions to work, and what the commercial terms look like at your volume. Nothing is signed on that call.
Your details and theirs. We aim to call your client within the hour, and you’ll know where it landed. If you’d rather just talk it through first, call 0468 902 233.
Partner questions
No. The introduction isn’t a handover. You stay the adviser in the room, and we only deal with the client on the matter you introduced. We don’t cross-sell other services back to them and we don’t contact them about anything outside that scope.
It’s volume-based and agreed with you on the first call, before you refer anyone. There is no published rate card because a single number that applied to every partner would be a marketing figure rather than a real one.
Nothing for the introduction. Brokerage is paid by the lender at settlement and is disclosed in writing to your client before they sign anything. If the deal doesn’t settle, nobody is billed.
Yes. Some accounting practices can’t accept referral commissions because of their own licensing or independence obligations. Plenty of referrals work as a straight introduction with nothing flowing back. Just say so on the call.
Ecommerce Loans acts as a referrer. The application is assessed and facilitated by the team at the holder of Australian Credit Licence 530764, and Andrew, or one of the experienced brokers he works with, will usually take the first call with your client.
A name, a contact number and a one-line reason: for example, needs $80,000 for stock before Christmas and the BAS is up to date. That context is what makes the first call useful rather than exploratory.
Give us the basics below and we’ll call you within the hour, or at the time you choose, then come back with the two or three offers worth your time.