Our Process

To ensure a seamless experience for all parties with favourable and timely results, all applications filed under Apis Financial follow a strict process. Through years of experience we’ve developed the ideal formula for efficient and effective processing of loans, clearly communicated from the outset and throughout the progress of the application.

Over 150 years combined experience

Smart Solutions

Dream bigger, think better, fund smarter.
Apis Financial will source the smart solution
to fund your next big idea.

      1. Submit new enquiry on Apis Financial “New Enquiry Form” or Submit Online
      2. Receive confirmation that Apis Financial can assist
      3. Apis Financial source potential funders
      4. Credit Quote, Engagement Letter & Mandate issued complete with terms
      5. Completed items to be returned:
        • Fully completed Apis Financial Application form, together with supporting documentation.
      1. Apis Financial formally submit complete application to relevant Funder
      2. Conditional approval received from Funder
        • Apis Financial Consultancy Fee payable prior to release of this offer
        • Funders’ conditional offer supplied
        • Funders’ offer accepted and conditions satisfied
      3. Formal approval issued
      4. Settlement

We’re experienced, connected and passionate
lending experts ready to help you find your
smart finance solution.

Dream bigger, think better, fund smarter. Apis Financial will source the smart solution to fund your next big idea.


I never see the sort of business that you guys do so why would I need to see you?

You’d be surprised! We paid a $200,000 commission to a Broker who thought he didn’t see our sort of business. It’s amazing how opportunities appear when you are aware of new solutions – make sure you are equipped to seize them.

How do I get accredited with IBN?

It is a simple process of completion of our Referral Agreement and return of supporting documents. If you are not a Broker, or you are and ACL holder restricted by your panel, you may still become a Referrer as a “Spotter’s Fee”.

What does the non-circumvention clause in your agreement mean?

This is in place to both protect both you and IBN. It prevents you going directly to the Funder we introduce you to and it also protects us from going directly to your client.

How can I be sure that I maintain my client once I refer to you?

We have a clause in our Referrer Agreement to protect you. If the client was to come directly to us in the future, you would still be included in any future settlements.

Will my Aggregator allow me to get accredited with IBN?

You will need to check the details with your current Aggregator for the terms of your agreement. IBN Direct do not have any requirements for this however, your Aggregator or Insurer may.

I am only a Credit Rep can I get accredited?

We have accredited Referrers who are both Credit Representatives and Credit Licence Holders. You will need to provide supporting documents in you individual, company or business name for MFAA or FBAA; COSL or FOS and Professional Indemnity Insurance. If you are restricted by panel, you may choose our Spotter’s Fee Agreement.

Why are you not on my Aggregator’s panel?

IBN started its life dealing with individual Brokers not Aggregators. Whilst we are on a few panels, at this stage our focus is on the individual, where we can provide a personalised service.

How do I get paid for the business I refer?

As per our standard Referrer Agreement we will pay you the agreed share of brokerage once we receive the full amount as cleared funds after settlement. Please contact us for details.

Will I be covered by insurance during the transaction?

It is a requirement that our Referrers must have their own Professional Indemnity insurance coverage except under an Agreement where Referrers simply send a name and number referral and IBN deal directly with the client.

How am I protected under NCCP?

We specialise in doing non-NCCP lending, though we are fully licenced through ASIC for consumer lending.

Are there any volume requirements for a broker?


Is there clawback on my brokerage?


Do I just deal with IBN or do I also deal with the Lender?

IBN will deal with the lender, however, once a client commits to IBN we are more than happy if the client wants to speak to the lender directly.

What sort of Valuers do private lenders use?

Private lenders usually have their own specific specialist valuers, who hold the relevant insurance.

Smarter finance solutions to reach your
personal and business goals. Talk to our
lending experts to get started.

We love to partner with passionate and
forward thinking brokers and lenders.
Join our network!

Why choose Apis Financial?

The dedicated team at Apis Financial are highly-experienced lending professionals renowned for delivering outstanding service and smart funding solutions for each of their clients.

We present options that others didn’t know existed

We search for solutions and enjoy the challenge of complex loans

We understand the complexities and requirements for a diverse range of applications

We explain our cost-structure from the outset so that you know what to expect

Our experienced staff assist you every step of the way with frequent communication on the loan progress

Hear From Our Clients

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Smart Solutions