Partner with Smoko Finance
Your clients ask you about funding because they trust you. Give them a fast, honest answer path — unsecured business finance up to $200,000, assessed on recent revenue — without becoming a loan chaser yourself.
Who this is for
Accountants, bookkeepers, finance brokers, business advisers and anyone else whose clients regularly hit the same wall: the business needs money faster than a bank will move, and the owner doesn't know where else is safe to look. If that conversation lands on your desk more than a few times a year, a referral relationship is worth ten minutes of your time.
What your clients get
- A fast, low-friction path: a two-minute enquiry, then a call back from a business finance specialist, usually within one business day.
- Assessment that fits small business reality: recent revenue does the talking, so full financials may not be required for eligible applications — no scrambling to produce statements mid-quarter.
- Unsecured options up to $200,000, for business purposes, subject to eligibility and lender approval — covering everything from tax-debt pressure to growth plans.
- Straight answers: if a loan doesn't fit, they're told so. No pressure tactics on your clients — your name is attached to the referral, and we treat it that way.
What you get
A dependable answer to a recurring client problem, visibility on how the referral progresses, and a commercial arrangement discussed openly before anything starts. Referral commissions, where applicable, are paid by the finance side — your client is never charged for being referred, and any loan costs are fully disclosed in their offer before acceptance.
How the referral process works
- Register once. Use the form on this page; we set up a short conversation about your practice and how you'd like referrals handled.
- Refer when it's relevant. Send clients to your referral path, or pass details with the client's consent.
- The specialist takes it from there. Call-back, matching with suitable lenders, application management — while you stay as involved as you want to be.
The standards we hold
Smoko Finance is a business-finance referral service, not a lender. Every claim your clients read on this site is deliberately qualified — no approval promises, no invented statistics, no pressure mechanics. You can check the exact facts we publish on the data hub, and the process end-to-end on how it works. If those standards match how you run your practice, we'll get along fine.
Frequently asked questions
Do my clients pay anything to be referred?
No. Enquiring and being referred is free for the client. If a loan proceeds, costs are set by the lender and disclosed in full in the offer before acceptance.
How are referral commissions handled?
Where a commission applies, it is paid from the finance side, not charged to your client. The arrangement is discussed and agreed with you openly before any referrals begin.
Will my client be pressured to proceed?
No. Clients get a call-back, clear options and a straight recommendation. If nothing fits their situation, they are told exactly that. Nothing proceeds without the client’s acceptance.
What types of clients are a good fit?
Australian businesses with an active ABN and genuine trading revenue that need up to $200,000 for a business purpose — stock, equipment, payroll timing, tax obligations, marketing or expansion. Pre-revenue startups and personal borrowing are not a fit.
Can I stay across the referral’s progress?
Yes — how much visibility you want is agreed when you register. Some partners want updates at each stage; others just want the client looked after. Both work.
Partner enquiry
Register your interest
Leave your details and we’ll set up a conversation about how referrals would work for your practice. Use your own name and best contact number.
- Up to $200,000 unsecured
- Assessed on recent revenue
- Business purposes only
- Australia-wide