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Investment Advisor Banking
Investment Advisor Banking
Business Loans and Succession Planning for Financial Advisors
Big Enough To Serve You, Small Enough To Know You
Big Enough To Serve You,
Small Enough To Know You
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
We’re here to help you grow your practice and serve your clients best. Working with various types of financial advisors, including investment advisors and asset managers, our experienced team offers tailored solutions, flexible financing options, and competitive loan terms.
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 Management1
Credit2 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
Our Bank Offers the Best Financing Options for Advisors
DEAL HIGHLIGHT
$1,000,000
COMPANY NEEDS
Team lift-out of wirehouse needed funds to pay a breakaway fee
OUR SOLUTION
Term loan, full suite of banking services, banking services for their clients
DEAL HIGHLIGHT
$5,000,000
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
$15,000,000
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 buyout 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
$4,000,000
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
$2,500,000
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
$2,000,000
COMPANY NEEDS
Potential tuck-in acquisitions and working capital
OUR SOLUTION
Revolving line of credit, custom treasury management services
DEAL HIGHLIGHT
$2,200,000
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
$900,000
COMPANY NEEDS
Refinance seller note and additional capital to buy out existing retiring shareholders
OUR SOLUTION
Term loan with competitive fixed rate and a tailored depository relationship to the RIA industry
DEAL HIGHLIGHT
$2,400,000
COMPANY NEEDS
Financing to buy out a retiring partner
OUR SOLUTION
Term loan with customized payment terms to fit the revised compensation structure
DEAL HIGHLIGHT
$20,000,000
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
$1,800,000
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
$1,000,000
COMPANY NEEDS
Growing advisory firm securing financing for company acquisition
OUR SOLUTION
Quick-to-close SBA loan arranged in collaboration with Wintrust SBA lending team
DEAL HIGHLIGHT
$10,000,000
COMPANY NEEDS
Liquidity for shareholders while maintaining full control of equity ownership for growing RIA firm
OUR SOLUTION
Customized competitive-rate term loan with swap fixed rate options, line of credit, RIA-specific treasury management services, and personal mortgages
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DEAL HIGHLIGHT
$1,000,000
COMPANY NEEDS
Team lift-out of wirehouse needed funds to pay a breakaway fee
OUR SOLUTION
Term loan, full suite of banking services, banking services for their clients
DEAL HIGHLIGHT
$5,000,000
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
$15,000,000
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 buyout 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
$4,000,000
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
$2,500,000
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
$2,000,000
COMPANY NEEDS
Potential tuck-in acquisitions and working capital
OUR SOLUTION
Revolving line of credit, custom treasury management services
DEAL HIGHLIGHT
$2,200,000
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
$900,000
COMPANY NEEDS
Refinance seller note and additional capital to buy out existing retiring shareholders
OUR SOLUTION
Term loan with competitive fixed rate and a tailored depository relationship to the RIA industry
DEAL HIGHLIGHT
$2,400,000
COMPANY NEEDS
Financing to buy out a retiring partner
OUR SOLUTION
Term loan with customized payment terms to fit the revised compensation structure
DEAL HIGHLIGHT
$20,000,000
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
$1,800,000
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
$1,000,000
COMPANY NEEDS
Growing advisory firm securing financing for company acquisition
OUR SOLUTION
Quick-to-close SBA loan arranged in collaboration with Wintrust SBA lending team
DEAL HIGHLIGHT
$10,000,000
COMPANY NEEDS
Liquidity for shareholders while maintaining full control of equity ownership for growing RIA firm
OUR SOLUTION
Customized competitive-rate term loan with swap fixed rate options, line of credit, RIA-specific treasury management services, and personal mortgages
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DEAL HIGHLIGHT
$1,000,000
COMPANY NEEDS
Team lift-out of wirehouse needed funds to pay a breakaway fee
OUR SOLUTION
Term loan, full suite of banking services, banking services for their clients
DEAL HIGHLIGHT
$5,000,000
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
$15,000,000
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 buyout 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
$4,000,000
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
$2,500,000
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
$2,000,000
COMPANY NEEDS
Potential tuck-in acquisitions and working capital
OUR SOLUTION
Revolving line of credit, custom treasury management services
DEAL HIGHLIGHT
$2,200,000
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
$900,000
COMPANY NEEDS
Refinance seller note and additional capital to buy out existing retiring shareholders
OUR SOLUTION
Term loan with competitive fixed rate and a tailored depository relationship to the RIA industry
DEAL HIGHLIGHT
$2,400,000
COMPANY NEEDS
Financing to buy out a retiring partner
OUR SOLUTION
Term loan with customized payment terms to fit the revised compensation structure
DEAL HIGHLIGHT
$20,000,000
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
$1,800,000
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
$1,000,000
COMPANY NEEDS
Growing advisory firm securing financing for company acquisition
OUR SOLUTION
Quick-to-close SBA loan arranged in collaboration with Wintrust SBA lending team
DEAL HIGHLIGHT
$10,000,000
COMPANY NEEDS
Liquidity for shareholders while maintaining full control of equity ownership for growing RIA firm
OUR SOLUTION
Customized competitive-rate term loan with swap fixed rate options, line of credit, RIA-specific treasury management services, and personal mortgages
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Our Unique Solutions
Our Unique Solutions
With best-in-class banking experts and a full suite of financial solutions, we offer flexible loan solutions for acquisitions, succession planning, and transitions from a larger group.
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Advisor Succession Planning
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Independent Firm’s Customized Plan
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Client’s Partnership Buyout Plan
The Challenge:
A registered investment advisory firm needed flexible, customizable, and cost-effective capital to allow the younger advisors to buy into the firm’s equity and let the senior advisors get their equity out while ensuring a smooth transition without impacting the lifestyle of the advisors.
The Solution:
Partnering with our private client service area, we created, customized, and closed 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.
The Challenge:
A client needed a line of credit, corporate cards, and treasury services so they could leave their firm and operate as a private, independent entity. Due to the timing and rapid transformation, they were unable to provide some of the financial information typically required.
The Solution:
We developed 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.
The Challenge:
A client wanted help developing options to buy out their partner without limiting future growth plans.
The Solution:
We provided several customized payment breakout options to help the client conserve cash flow with a range of amortization periods. We also offered an opportunity through the CARES Act that enabled the company to have three free payments. 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.
Meet the Team
Meet the Team
Carol Morse
Senior Vice President
Matthew Wong
ASSISTANT VICE PRESIDENT
Chris Henkel
Vice President
Earl Goldman
Executive Vice President
Roy Picciuca
Executive Vice President
Russ Larsen
Group Executive Vice President
1. Treasury Management Services. See your banker or Treasury Management Services Sales Officer. Additional fees may apply.
2. Credit Card. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A., Inc.
Banking products provided by Wintrust Financial Corp. banks.
Residential lending provided by Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank, NMLS #449042.
Investment products such as stocks, bonds, and mutual funds are:
|
Not Insured FDCI or Any Other Government Agency |
Not Bank Guaranteed |
Not Bank Deposits or Obligations |
May Lose Value |
|
Not Insured FDCI or Any Other Government Agency |
Not Bank Guaranteed |
|
Not Bank Deposits or Obligations |
May Lose Value |
