What Happens After You Refer a Client to Emu Money

You've got a client who needs finance. You're confident Emu Money can help. But before you make the introduction, you want to know what actually happens on the other side. Fair enough. Your reputation is attached to every referral, and "we'll take care of it" isn't an answer.

Here's the full journey, step by step, from the moment you submit a referral to the moment your commission hits your account.

Step 1: Submit the referral

The process starts in the Emu Money Partner Portal. You provide the basics: your client's name and contact details. That's all that's needed. No finance applications, no document gathering, no pre-qualification questions. Just the introduction.

It takes less than two minutes.

Step 2: A broker reaches out immediately

Once you submit, a broker is notified straight away. Not in a few hours. Not the next business day. Immediately.

The broker contacts your client directly to have a proper conversation about their finance needs. What are they buying? What's their financial situation? What structure makes sense? The broker compares options across 50+ lenders and finds the right fit, whether that's a chattel mortgage, finance lease, consumer loan, or something else entirely.

Your client doesn't need to know anything about finance products or lender panels. The broker handles all of that.

Step 3: The Client Portal handles the paperwork

After the initial conversation, your client gets access to the Emu Money Client Portal. This is where they:

• Provide additional details about the asset and their financial position
• Sign privacy consent electronically
• Upload required documents (ID, financials, proof of income, whatever the lender needs)

Everything is digital. No printing, no scanning, no emailing PDFs back and forth. Once the documents are in, the broker can typically provide a quote within a few hours.

Step 4: Track progress in real time

Your Partner Portal shows the status of every referral at a glance. You can see where each application is at without picking up the phone.

If you're an accountant or mortgage broker, the assigned broker may also reach out to you directly. They might need context on your client's financial position, or want to confirm details before going to a lender. This is a collaborative process, not a one-way handoff.

Step 5: Settlement and commission

When the deal settles, the commission process kicks in automatically. Once Emu Money receives the commission from the lender, a Recipient Created Tax Invoice (RCTI) is generated and added to your Partner Portal. Your referral fee is paid, and RCTIs are available to download from the portal at any time for your records.

No invoicing from your end. No chasing payments. No wondering when it's coming.

How fast does this move?

The timeline depends on the deal, but a straightforward referral typically looks like this:

• Day 1: You submit the referral. A broker contacts your client within hours.
• Day 1-2: Initial conversation, needs assessment, Client Portal access.
• Day 2-3: Client uploads documents, broker prepares a quote and lender comparison.
• Day 3-7: Application submitted, lender assessment, conditional or formal approval.
• Settlement: Most straightforward deals settle within 1-2 weeks of approval.

Complex deals take longer. But a standard car loan or equipment finance for an established business can move from referral to settlement in under two weeks. The broker keeps your client informed throughout, and you can track progress in the portal.

What you don't have to do

Worth spelling out, because it's the most common question from new partners.

You don't need to understand finance products or lender criteria. You don't need to gather documents from your client. You don't need to follow up on the application, chase settlement timelines, or invoice for your commission.

Emu Money is a full-service brokerage. The partner's role is the introduction. Everything from that point forward is managed by the broker and the operations team.

Your client gets professional finance advice from a specialist. You get full visibility through the portal. And when it settles, you get paid.

Get started

If you're already an Emu Money partner, submit your first referral through the Partner Portal today. If you're not yet set up, the partnerships team can have you onboarded and ready to go in minutes.

Ready to start referring? Talk to Emu Money's partnerships team about getting set up. Become a partner