iscover 
For years, mortgage brokers have been encouraged to diversify.
Write more commercial lending.
Help more business owners.
Expand into equipment finance.
Support clients with cash flow and growth funding.
The message is well intentioned, but for many residential brokers, there has always been one problem.
They're already busy.
Between policy changes, compliance requirements, lender updates and increasingly complex residential applications, many brokers simply don't have the time to become commercial lending specialists as well.
Yet every day, thousands of business owners are sitting in brokers' client databases with challenges, opportunities and funding needs that often go unidentified.
A new partnership between Accurateli and LoanOptions aims to change that.
The partnership combines Accurateli's Business Health Check technology with LoanOptions' specialist business lending expertise, giving brokers a simple way to identify commercial lending opportunities and access support when needed.
The process is intentionally straightforward.
Brokers upload a client's financial statements into Accurateli and click analyse.
Within seconds, the platform generates a Business Health Check report designed to highlight key changes in business performance, provide a high-level assessment of the business and identify potential funding opportunities.
The report reviews trends between financial years, analyses business performance indicators and highlights areas that may warrant further discussion.
Where opportunities are identified, brokers can choose to refer the matter through to LoanOptions for specialist support.
Importantly, the broker remains at the centre of the client relationship throughout the process.
According to Accurateli co-founder Joel Wyld, that was a key requirement when building the partnership.
"We weren't looking for a referral partner that wanted to take over the client relationship," Wyld said.
"We wanted a partner that genuinely supports brokers and recognises that the residential broker should remain at the centre of the conversation."
The partnership was born from a common observation.
Many business owners need help.
Ben Callaghan, Accurateli's co-founder agreed, and added that the challenge is that those opportunities are often hidden inside financial statements that brokers don't have the time or confidence to analyse in detail.
"We regularly hear brokers say they'd love to do more commercial lending, but they're already flat out helping residential clients," Callaghan said.
"The reality is that many opportunities are already sitting within their existing client base. The issue isn't finding them. It's identifying them quickly enough to do something about them."
Recent examples generated through the Business Health Check have included the identification of a significant Div 7A exposure that prompted a broader tax planning discussion between a client and their accountant, as well as a director's loan arrangement that ultimately created both a business lending opportunity and a residential refinancing opportunity.
LoanOptions founder Julian Fayad said helping business owners access funding has always been central to the company's mission.
"Small businesses are the backbone of the Australian economy, but many owners aren't aware of the funding solutions available to them," Fayad said.
"Brokers are often in the best position to identify those needs because they already have trusted relationships with their clients."
Fayad said the partnership reflects a broader commitment to collaboration across the industry.
"You don't need every broker to become a business lending expert overnight," he said.
"What matters is giving them the tools and support to identify opportunities, start meaningful conversations and connect clients with the right expertise when required."
According to Fayad, supporting brokers ultimately means supporting Australian business owners.
"When brokers are empowered to have better conversations with business owners, everyone benefits. Businesses grow, jobs are created and clients receive better outcomes."
For both businesses, the partnership is about making diversification more practical.
Rather than asking brokers to learn an entirely new discipline, the goal is to help them uncover opportunities they may already be overlooking.
"The most exciting thing about this partnership is that it doesn't require brokers to completely change the way they work," Wyld said.
"They're already collecting financials from self-employed clients. We're simply helping them extract more value from information they already have."
In an industry constantly searching for new lead sources, the next business lending opportunity may already be sitting inside a broker's existing client book.
Brokers interested in learning more about the partnership can see the Business Health Check in action at the upcoming Innovation Summit events in Sydney and Melbourne.
