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Investment Advisor Banking
Investment Advisor Banking
BUSINESS LOANS AND SUCCESSION PLANNING FOR FINANCIAL ADVISORS
Our team of industry experts gets to know you so we can provide customized banking solutions to support your goals and those of your clients. We specialize in funding for growth and ownership transition, and we offer flexible loan solutions for acquisitions, succession planning, and transitions.
Our team of industry experts gets to know you so we can provide customized banking solutions to support your goals and those of your clients. We specialize in funding for growth and ownership transition, and we offer flexible loan solutions for acquisitions, succession planning, and transitions.
“Wintrust has been a great addition to our team. They stepped up to our challenge and financed a multimillion-dollar loan to close an acquisition in under 30 days. They have been great to work with and extremely accommodating with our cash flow needs. They help solve problems and remove roadblocks in our everyday operations — we view them as true partners.”
“We started working with Wintrust about a year ago after a very frustrating experience with our prior lender. Our financing needs are somewhat complicated, but our bankers at Wintrust have done an incredible job understanding the investment advisory industry and our unusual structure. Turnaround time, responsiveness, and overall servicing of our needs have been terrific. I’m only sorry we didn’t discover Wintrust sooner!”
RIA LOANS AND FINANCING
Our experienced bankers, underwriters, and service advisors offer tailored service and personalized guidance to help you develop your practice, allowing you to serve your clients best. Our flexible financing options offer competitive loan terms of up to 10 years with fixed-rate options. We work with various types and sizes of financial advisors, including investment advisors, RIAs, and asset managers.
Financing solutions for:
- Mergers & Acquisitions (M&A)
- Succession Loans (Including Partner Loan Programs)
- Transition loans (Lift-outs)
- Working capital
- Refinances
- Dividend recap
Additional solutions:
- Treasury management
- Credit and payment cards
- Equipment leasing
- Personal Wealth Services & Mortgages
- Trust and escrow capabilities
- Life insurance premium financing
- Securities-Based Lending
- 1031 Tax-Deferred Exchanges
OUR BANK OFFERS THE BEST FINANCING OPTIONS FOR ADVISORS
COMPANY NEEDS
Team lift-out of wire house needed funds to pay a break-away fee
OUR SOLUTION
Term loan, full suite of banking services, banking services for their clients
DEAL HIGHLIGHT
$1,000,000
COMPANY NEEDS
Growing RIA needed capital to transition a retiring partner and make acquisitions
OUR SOLUTION
Line and term loan (without personal guaranties) to reduce stake of retiring partner and provide capital for growth
DEAL HIGHLIGHT
$5,000,000
COMPANY NEEDS
Available funding for ownership transition to younger generation and partners
OUR SOLUTION
Annual direct loans, including customized payment terms
DEAL HIGHLIGHT
$15,000,000
COMPANY NEEDS
Senior debt for management buy-out from a non-RIA parent company to be completed in 30 days
OUR SOLUTION
Term loan (at competitive rates) and full banking services completed within 30 days
DEAL HIGHLIGHT
$15,000,000
COMPANY NEEDS
Refinance of higher rate debt, funds to buy out retiring founding partner
OUR SOLUTION
Term loan with competitive fixed rates and customized payments around existing seller debt
DEAL HIGHLIGHTS
$4,000,000
COMPANY NEEDS
Newly independent lift-out needed a securities-based line of credit for one of their transitioning customers
OUR SOLUTION
Full banking relationship for RIA, including securities-based loan to accommodate largest client
DEAL HIGHLIGHT
$2,500,000
COMPANY NEEDS
Potential tuck-in acquisitions and working capital
OUR SOLUTION
Revolving line of credit, custom treasury management services
DEAL HIGHLIGHTS
$2,000,000
COMPANY NEEDS
Obtain financing to purchase an advisor’s book of business
OUR SOLUTION
Customized and competitive term loan provided and established deposit relationship
DEAL HIGHLIGHTS
$2,200,000
COMPANY NEEDS
Refinance seller note and provide additional capital to buyout existing retiring shareholders
OUR SOLUTION
Term loan with competitive fixed rate and a tailored depository relationship to the RIA industry
DEAL HIGHLIGHT
$900,000
COMPANY NEEDS
Financing to buyout a retiring partner
OUR SOLUTION
Term loan with customized payment terms to fit the revised compensation structure
DEAL HIGHLIGHT
$2,400,000
COMPANY NEEDS
Shareholder loan program for a large acquisitive asset manager to retain younger key advisors
OUR SOLUTION
Delayed draw term loans offered to key employees to acquire ownership interests in the firm
DEAL HIGHLIGHTS
$20,000,000
COMPANY NEEDS
Refinance a high-rate SBA note and a seller note
OUR SOLUTION
Customized term note with competitive fixed rates and a tailored deposit relationship
DEAL HIGHLIGHT
$1,800,000
COMPANY NEEDS
A growing advisory firm aimed to secure financing for the acquisition of a larger company.
OUR SOLUTION
The Wintrust RIA team, in collaboration with our SBA Lending team, formulated an arrangement leading to an SBA Loan which allowed for more flexible credit terms. The buyer and seller were both pleased with quick-to-close creative solution.
DEAL HIGHLIGHT
$1,000,000
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COMPANY NEEDS
Team lift-out of wire house needed funds to pay a break-away fee
OUR SOLUTION
Term loan, full suite of banking services, banking services for their clients
DEAL HIGHLIGHT
$1,000,000
COMPANY NEEDS
Growing RIA needed capital to transition a retiring partner and make acquisitions
OUR SOLUTION
Line and term loan (without personal guaranties) to reduce stake of retiring partner and provide capital for growth
DEAL HIGHLIGHT
$5,000,000
COMPANY NEEDS
Available funding for ownership transition to younger generation and partners
OUR SOLUTION
Annual direct loans, including customized payment terms
DEAL HIGHLIGHT
$15,000,000
COMPANY NEEDS
Senior debt for management buy-out from a non-RIA parent company to be completed in 30 days
OUR SOLUTION
Term loan (at competitive rates) and full banking services completed within 30 days
DEAL HIGHLIGHT
$15,000,000
COMPANY NEEDS
Refinance of higher rate debt, funds to buy out retiring founding partner
OUR SOLUTION
Term loan with competitive fixed rates and customized payments around existing seller debt
DEAL HIGHLIGHT
$4,000,000
COMPANY NEEDS
Newly independent lift-out needed a securities-based line of credit for one of their transitioning customers
OUR SOLUTION
Full banking relationship for RIA, including securities-based loan to accommodate largest client
DEAL HIGHLIGHT
$2,500,000
COMPANY NEEDS
Potential tuck-in acquisitions and working capital
OUR SOLUTION
Revolving line of credit, custom treasury management services
DEAL HIGHLIGHT
$2,000,000
COMPANY NEEDS
Obtain financing to purchase an advisor’s book of business
OUR SOLUTION
Customized and competitive term loan provided and established deposit relationship
DEAL HIGHLIGHT
$2,200,000
COMPANY NEEDS
Refinance seller note and provide additional capital to buyout existing retiring shareholders
OUR SOLUTION
Term loan with competitive fixed rate and a tailored depository relationship to the RIA industry
DEAL HIGHLIGHT
$900,000
COMPANY NEEDS
Financing to buyout a retiring partner
OUR SOLUTION
Term loan with customized payment terms to fit the revised compensation structure
DEAL HIGHLIGHT
$2,400,000
COMPANY NEEDS
Shareholder loan program for a large acquisitive asset manager to retain younger key advisors
OUR SOLUTION
Delayed draw term loans offered to key employees to acquire ownership interests in the firm
DEAL HIGHLIGHT
$20,000,000
COMPANY NEEDS
Refinance a high-rate SBA note and a seller note
OUR SOLUTION
Customized term note with competitive fixed rates and a tailored deposit relationship
DEAL HIGHLIGHT
$1,800,000
COMPANY NEEDS
A growing advisory firm aimed to secure financing for the acquisition of a larger company.
OUR SOLUTION
The Wintrust RIA team, in collaboration with our SBA Lending team, formulated an arrangement leading to an SBA Loan which allowed for more flexible credit terms. The buyer and seller were both pleased with quick-to-close creative solution.
DEAL HIGHLIGHT
$1,000,000
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UNIQUE SOLUTIONS FROM WINTRUST’S INVESTMENT ADVISOR BANKING TEAM
Wintrust’s Investment Advisor Banking group understands your top priority is helping your clients achieve their financial goals — we’re here to help you achieve yours. Our best-in-class banking experts listen to your needs and get to know you so we can provide tailored service and a full suite of financial solutions. We specialize in funding for growth and ownership transition, and we offer flexible loan solutions for acquisitions, succession planning, and transitions from a larger group. Here are a few of the unique situations our team has encountered and how we delivered:
ADVISOR SUCCESSION PLANNING
The challenge: The client, a registered investment advisory firm, expressed interest in succession planning as the younger advisors began taking over the accounts of the more senior advisors. They needed capital to allow the younger advisors to buy into the firm's equity and let the senior advisors get their equity out. The challenge this type of transition poses is ensuring a smooth transition without impacting the lifestyle of the advisors. They required a flexible, customizable, and cost-effective payment stream that allowed them to continue living their lives without the restrictions that often come with loans.
The solution: Wintrust Investment Advisor Banking partnered with our private client service area to create, customize, and close on a payment solution within two weeks. The client has since referred us to two other firms, and they are transitioning their treasury and personal banking relationships over to us.
INDEPENDENT FIRM’S CUSTOMIZED PLAN
The challenge: After becoming a non-core asset to a larger firm, the client decided to leave their firm and become a private, independent entity. They needed a line of credit, corporate cards, and treasury services to operate. This client came to us during a time of rapid transformation, and, as a result, they were unable to provide some of the financial information typically required.
The solution: Luckily, our expert team understands the industry's intricacies, so we were able to develop a customized treasury solution, line of credit, and corporate cards to help the client establish itself as an independent firm. We also referred them to a part-time chief financial officer to assist in the transition.
CLIENT’S PARTNERSHIP BUYOUT PLAN
The challenge: Navigating a partner buyout and unsure of where to go for financing, a client wanted our industry expertise to help develop options to buy out their partner without limiting future growth plans.
The solution: We worked closely with the junior partners to assess their needs and reviewed options for buying the company while still growing the business. Using our RIA expertise, we provided several customized payment breakout options to help the client conserve cash flow with a range of amortization periods. Additionally, we offered an opportunity through the SBA that enabled the company to have three free payments (CARES Act). With a collaborative, comprehensive, and customer-centric delivery, we provided the client with a term loan to effectuate the buyout and a small line of credit for growth.
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MEET OUR TEAM
Russ Larsen
Group Executive Vice President
Roy Picciuca
Executive Vice President
Carol Morse
Senior Vice President
Chris Henkel
Vice President
Matthew Wong
Portfolio Manager
Jack O'Donnell
Relationship Manager
Credit Cards are issued by First Bankcard®, a division of First National Bank of Omaha.
Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A. NMLS #449042.
Securities, insurance products, financial planning, and investment management services offered through Wintrust Investments, LLC (Member FINRA/SIPC), founded in 1931. Asset management and financial planning services provided by Great Lakes Advisors, LLC. Trust and asset management services offered by Wintrust Private Trust Company, N.A.
Investment products such as stocks, bonds, and mutual funds are:
NOT FDIC INSURED | NOT BANK GUARANTEED | MAY LOSE VALUE | NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
