LEARN MORE
LEARN MORE

Resources

Accent 

Succession Loans for RIA and Financial Advisor Firms

 

Secure Your Firm's Legacy with Dedicated Succession Financing

For Registered Investment Advisors (RIAs) and Investment Advisor Representatives (IARs), a successful succession plan is vital to protecting your legacy, clients, and team. Whether you're making a well-deserved exit or funding next-gen buy-ins, Oak Street Funding provides the capital and expertise to make your internal succession smooth and successful—without leveraging your personal assets.

Buying-into-a-partnership-icon

Next Gen Buy-Ins

Initiate-succession-plan-icon

Phased Transitions

Sitemap-icon-1

Partner Buyouts

Accent

Succession and Partner Buy-In Financing

Since 2016, firms like yours have grown thanks to hundreds of millions of dollars in financing from Oak Street Funding, a specialized, non-SBA lender.

 

$30MM*

Lending Limit Per Borrower

50+ Years

Experience Across Our Experts

$700MM+

In RIA Financing

*Loans over $30MM require participating bank partner (per borrower)

 

Accent

The Oak Street Funding Difference

  • CASH-FLOW BASED SOLUTIONS
    Your firm's recurring revenue secures the loan—leaving your personal assets unencumbered and your firm’s cash flow available to invest.

  • CUSTOM STRUCTURES
    Flexible terms up to 10 years and tailored payment schedules to meet your deal's unique timeline.

  • NON-SBA LENDER
    Larger potential loan amounts and a streamlined, faster process compared to government-backed options.

  • INDUSTRY EXPERTISE
    We have a proven track record of providing financing to RIAs and IARs, with a deep understanding of your business model and revenue structures.
INS Acquisition Financing_Content and Image Split

 

Accent

Loan Specialists

Don't let financing be a barrier to your succession.
Take the next step today.

Please provide your contact information and a representative will reach out to you within 24 business hours. 

Frequently Asked Questions

Acquiring an RIA firm is a significant undertaking, and understanding the financing options available is crucial. Here are some frequently asked questions about RIA acquisition financing:

When should advisors start succession planning?

Advisors should begin planning at least 3–5 years in advance—the earlier, the better. Starting early ensures more options, smoother client transitions, and a higher likelihood of a successful outcome.


Hear more about advisor succession planning and financing on our podcast: https://info.oakstreetfunding.com/path-to-succession-partner-buy-in

Who provides RIA succession loans?

Specialized, RIA-focused lenders like Oak Street Funding provide financing for:

  • Internal successions
  • Partner buy-ins or buyouts
  • Bridge loans for timing gaps
In addition to successions, Oak Street Funding can finance acquisitions and working capital needs.
What loan terms can be expected?

Loan terms vary:

  • SBA 7(a) loans: Can have repayment terms of up to 10 years for working capital.
  • Conventional loans: Typically have similar terms, such as 5-10 years. At Oak Street Funding, we have terms up to 10 years.
What factors do lenders consider when evaluating an RIA succession loan application?

Lenders typically assess several factors:

  • Successor's Financial Health: Credit score, personal financial statements, assets, and liabilities.    
  • Successor's Experience: Relevant experience in the wealth management industry or business management.    
  • Business Plan: A detailed plan for the firm's operations, integration, and growth 
  • Management Team: The experience and qualifications of the successor and any key staff who will be part of the organization after the transition.
  • Market Conditions: The economic environment and the specific market in which the RIA firm operates.
What are Oak Street Funding’s interest rates?

 Interest rates depend on various factors, including the type of loan, the borrower's creditworthiness, and current market conditions.

  • SBA loans: Often have interest rates tied to the prime rate plus a spread.    
  • Conventional loans: Interest rates will vary based on the assessment of risk and market rates. Oak Street Funding rates are based on the U.S. Treasury plus a spread.
How long does the succession financing process take?

The timeline can vary significantly based on the complexity of the deal, the type of financing, and the responsiveness of all parties involved. It can take anywhere from a few weeks to several months for larger loans. It’s important to be prepared and have your financials in order before undertaking a succession strategy to expedite the process.