The Pay In Time Australia Broker Network Program is a co-branded origination partnership for finance and mortgage brokers, ag finance specialists, accountants and rural advisers who serve Australian farmers, growers, processors and AgTech operators. We give you the structures, pricing and back-end capacity to win and retain ag finance clients without building the lender panel yourself.
What Brokers Get: Access to a multi-lender panel covering seasonal working capital, livestock and equipment finance, crop input finance, receivables and trade finance, and embedded vendor finance. Co-branded marketing assets and landing pages. Structured commissions plus trail income on programmatic facilities. Dedicated BDM and credit support. Full lodgement-to-settlement workflow including data room, structuring, credit memo, and post-settlement servicing handled by PIT.
Ideal Broker Profile: MFAA or FBAA accredited brokers with regional or rural client books. Asset finance and equipment brokers with grower or processor relationships. Commercial finance brokers with $5M+ ag deal flow. Accountants and rural advisers with formal referral capacity. Existing FAST, AFG, Connective, Choice, Loan Market sub-aggregators welcome.
Commercial Terms: Up-front commission 0.4 to 0.8 percent of facility size depending on product and complexity. Trail commission 10 to 20 bps pa on revolving facilities for the life of the book. Structuring bonus on programmatic vendor finance and capital partner deals. No exclusivity required — brokers retain full ownership of the client relationship.
Onboarding Process: Submit application below. 30-minute discovery call within 5 business days. Network Partner Agreement and accreditation pack. Co-branded landing page live within 10 business days. First deal lodgement supported by PIT BDM. Quarterly performance review and tiered upgrade pathway (Standard, Preferred, Strategic).
Apply to join the AU Broker Network Program:
Compliance: Pay In Time Australia is a trade name of REALM Group Global Pty Ltd. Credit products are originated and funded by licensed Australian credit providers under the National Consumer Credit Protection Act 2009 (Cth) where applicable. Commercial finance is provided to wholesale and business clients only. Broker commissions are paid in accordance with applicable conflicted remuneration rules. This page is general information only and does not constitute financial product advice or an offer to lend.
