Why PMA’s ‘Lifetime Referral Initiative’ Makes Our Broker Referral Program Different

We’ve heard from brokers how frustrating it can be that they are ‘cut out’ when a borrower returns to a lender for further finance. PMA’s referral structure is different. We are built to complement your business, not compete with it. Which is why we decided to introduce our ‘Lifetime Referral Initiative’. 

How does the ‘Lifetime Referral Initiative’ work?

If you successfully refer a borrower to PMA and we settle their loan, you retain ongoing access to the value of that client relationship.

Even if that borrower:

• Returns directly to PMA for a future business loan
• Contacts us independently for new funding
• Requires additional facilities down the track

• If a client that you originally introduced to us returns for another loan that goes on to settle we will: Get in touch to let you know that we’re settling another loan for the client
• Ask you to send an invoice so we can pay the referral fees
• Pay the referral fees within 24 hours of settlement (with no clawbacks)

Simply put, we won’t cut you out and will pay you what you deserve for introducing the client in the first place. 

How our referral model builds passive income for brokers

One of the most attractive features of PMA’s referral program is the ability to create ongoing revenue streams. Because of our’ Lifetime Referral Initiative’ structure, a single referred client can generate multiple opportunities over time.

As business owners grow, restructure, acquire new assets, or require additional capital, you continue benefiting from the relationship you introduced. It becomes a form of long-term referral income, rather than a one-off commission event.

For brokers looking to diversify income beyond traditional residential mortgages, partnering with a private lender like PMA can unlock significant long-term value.

A true long-term lending partner

We want to support our broker partners as much as possible which is why you’ll work with one of our relationship managers from the very start right through to the end of the lending process - you won’t get handed off to a new contact once the loan is in progress. 

Our lending process is built on transparency and trust which is why we have:

• Clear communication
• Transparent fee structures
• Defined referral agreements
• Open credit discussions
• Respect for your role as the originating broker

Who can you refer to PMA?

Our referral partners commonly introduce clients seeking short-term business loans such as:

• Bridging/working capital loans 
• Equipment purchases 
• ATO tax debt solutions 
• Debt consolidation/refinancing 
• Equity release 
• Subdivision finance 
• Flip finance 
• Residual stock finance
• And other time-sensitive settlements business loans where traditional banks have declined

If a deal falls outside standard policy, that’s often where PMA steps in. We specialise in assessing the strength of the security property and exit strategy, not just serviceability metrics.

Partner With PMA

If you regularly encounter business clients who:

• Need business funding urgently
• Don’t fit traditional bank criteria
• Require short-term capital solutions
• Have strong security but complex income or poor cashflow

Then PMA can be your alternative lending partner.

Our Broker Referral Program is designed to reward long-term relationships, not replace them.

When you refer to PMA, you gain:

• A specialist private lending team
• Fast credit decisions
• Flexible loan structures
• Ongoing commission protection
• A partnership model built for brokers

Ready to Partner?

If you’d like to learn more about our ‘Lifetime Referral Initiative’and how to refer your business clienst to PMA, visit our Broker Referral Program page or contact our team today.

Because at PMA, partnerships are built to last!