Concierge Banking Solutions for RIAs and Your Clients

Growing an RIA creates financial needs that investment management alone doesn’t solve. Hiring ahead of revenue, financing acquisitions, managing partner transitions and maintaining liquidity through market cycles all require a banking partner that understands how advisory firms operate.

Western Alliance provides lending, treasury and operating solutions built around recurring-revenue businesses, with bankers who understand the relationship between AUM, cash flow and firm value. That same relationship can extend to owners, key employees and clients who need banking support — without competing for managed assets.

Extend Your Client Offering Without Competing for Assets

When a client needs liquidity, a mortgage, business financing or support around a major financial event, you shouldn’t have to send that relationship into a bank that is also trying to manage the client’s investments. Western Alliance provides the banking capabilities your clients need while you remain their primary wealth advisor.

Our lending, liquidity and business banking capabilities can help you solve more of the financial issues clients bring to you — without competing for investment assets or disrupting the advisory relationship you have built.

Keep Cash Flow Moving and Growth Plans on Track

Bringing on advisors or operations professionals, investing in technology and marketing, or expanding your RIA business can require capital well before those investments generate additional revenue.

We’re here to support you as you scale, offering the operating accounts, liquidity, credit options and cash management tools required to keep your practice running smoothly and strongly positioned for expansion. Because our bankers understand recurring advisory revenue and the economics of RIA firms, financing can be structured around the way your business generates cash — whether you’re adding a book of business, funding a partner buy-in or acquiring another practice.

Our offerings can also extend to owners, partners, senior advisors and other key team members who need personal banking, lending and liquidity solutions.

Fund Acquisitions, Partner Transitions and Organic Growth

Market appreciation isn’t the only way to increase assets under management. When you plan to add a book of business or facilitate a buy-in, access to flexible capital can help you move when an opportunity arises.

•    Funds to scale your operation with recurring revenue lines of credit based on management-fee revenue rather than physical collateral
•    Capital for expansion through term debt repayment structures aligned with your firm’s needs and cash flow
•    Partner buy-in and buyout with financing to help incoming partners acquire equity or enable existing owners to purchase retiring partners’ stakes in the firm

Maintain Liquidity When Markets — and Revenue — Move

Advisory revenue may be recurring, but it isn’t static. When markets decline, fee revenue can fall while payroll, technology, compliance and other fixed costs remain. Maintaining access to working capital and visibility into cash becomes especially important during those periods.

•    Business checking and savings accounts designed for your needs and objectives.
•    Working capital lines of credit to provide flexible terms and repayment timelines to help cover irregular cash cycles and operating expenses. 
•    Treasury Management services to streamline cash flow, automate expense account and vendor management and reduce risk. 
•    Fraud protection to safeguard your resources and provide fast, responsive help from people you know.