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Want to Grow Your RIA Without Giving Away Equity? Here’s How.

  • Writer: Nathan Berk
    Nathan Berk
  • Sep 3
  • 1 min read

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Want to Grow Your RIA Without Giving Away Equity? Here’s How.

M&A activity in the independent advisor space isn’t slowing down—but too many advisors still think the only way to fund growth is through private equity.

The problem?Private equity often comes with strings attached:

  • Loss of control

  • Diluted ownership

  • Pressure for short-term returns

  • Potential culture shifts

 

There’s another path. One that keeps advisors in the driver’s seat.

Bank-Financed Growth, Built for Advisors

At Fispoke, we help advisors leverage their most valuable asset—their own recurring cash flow—to fuel their next chapter.

 

Here’s how it works:

M&A FinancingFund acquisitions or partner buy-ins with:

  • Flexible terms based on recurring revenue

  • Enterprise-value-based LTVs (not just assets under management)

  • Up to 10-year terms

  • No need to sell equity

 

Shareholder Dividend FinancingLooking to unlock liquidity?

  • Access capital without giving up control

  • Tailored loan advances to meet your firm’s cash flow

  • Preserve ownership and independence

This is more than just debt. It’s growth on your terms, designed for advisors who’ve worked hard to build something—and want to keep building.

 

Why Banks (Not PE) May Be the Smarter Partner

✅ You keep equity and voting control

✅ No outside mandates or exit timelines

✅ Strategic optionality stays with you

✅ Lower long-term cost of capital

 

With the right lending partner, bank financing becomes a strategic lever—one that empowers you to expand, reward shareholders, or plan for succession without compromising your vision.

 

Want to learn how Fispoke helps independent advisors access flexible growth capital—without selling out? Let’s talk: Fispoke.com

 

 
 
 

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