We enable Accounting firms to provide smart simple debt solutions to their clients

Pearl Financial Services Pty Ltd was established in 2004. We have equipped hundreds of businesses to increase their cash flow and returns, as well as to enhance their relationships with banks. Pearl Finance has also placed approximately $1.8bn in finance with Australian and international financiers.

Our vision

Our “reason for being” is to help our clients access smart, simple debt solutions that align to their personal, financial and business goals.

Why we are different

Our Cash and Banking Consultants are Bankers.  We are not Accountants.  We are not Management Consultants.  Bankers are experts at 3 things: understanding a business’ ability to produce cash (needed to pay back loans and cover interest), recognising best practice and conversely elements of a business that might cause it to fail, and how banks think and work.  To build a Consulting and Debt Advisory (incl Finance Broking) business that makes these skills available to Business clients gives our clients unique insights into how to achieve optimal business and banking performance.

For our Banking Excellence service, our experienced team of bankers will know what your bank is going to say before we ask the question.  Our clients take great comfort in this.  We are constantly meeting with our old banking colleagues and contacts to ensure that we stay up to date with the latest bank systems, processes, policies, and practices.  Our extensive networks developed from years of working in the industry also mean that we know who’s hot and who’s not in the banks too.

Our core values

  • Challenge norms
  • Honesty and compliance rule
  • We have a laugh
  • We are leaders
  • Never give up!
  • Accountants are the hero

What our clients and advocates say

…your knowledge of the processes and personalities at the bank has proved beneficial. I am sure that your advocacy on our behalf has re-assured the bank …

PETER MCBRIDE | Chief Financial Officer | DTS Foodlabs


…we were not receiving the timely support we expected and needed from our bank, until we brought on Pearl as our financial partner.

Anthony ODwyer | Owner & Managing Director | Shamrock Group of Companies


We are extremely appreciative of the support that we received from Pearl and would recommend to any business that they consider using this service.

Deon St Mor | Founder MOR

 Our banking consultants

      Nathan Keating

      MBA, B.Bus (Acc), F.Fin, DipFMBM – Managing Director

      Nathan Keating is the Managing Director of Pearl Financial Service Pty Ltd.  He started his career as an Insolvency Accountant but moved to banking when he realised that he preferred to help businesses grow rather than helping them to shrink and close.  He held roles in Australia’s Major Banks, as well as outside of banks operating as a credit consultant enhancing bank risk processes.

      In 2008 Nathan joined Pearl with a vision to become a global authority in helping businesses to improve financial performance and become great banking customers. Whilst over 20 years in banking gives Nathan great insight into how banks think and act, the true strength of his experience lies in his ability to recognise the root cause of substandard business performance and to deliver improvement strategies to his clients.

      When not working or tending to his beautiful wife and 3 children, Nathan can be found watching, coaching and even occasionally playing Rugby Union.

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        Sam La

        Associate Director – Debt Advisory

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        With expertise in banking and finance across the retail, wholesale and manufacturing, Import/export, property investment/development, professional services, and medical industries, Sam has the ability to get to know you and your business and devise solutions that are both practical and effective.

        Being an ex-Banker with two of the Big Four banks in Australia, Sam has also developed a keen understanding of the Bank’s risk and credit management processes. Further to this, he can also debunk a lot of the industry jargon and cut through the banking layers to get to the result that everyone is looking for.

        Understanding both personal and business goals is key to delivering an on-going personal and highly tailored level of service. This allows Sam to also identify and connect clients where there are shared commonalities and collaborative opportunities.

        Areas of expertise:
        • Home and investment loans
        • Commercial and Asset Finance (cars, yellow goods, equipment etc.)
        • Complex Tailored Banking and Finance Solutions
        • Trade Finance – Import/Export
        • SMSF Lending
          Jess Bountroukas

          Cert IV – Finance and Mortgage Broking – Pearl Home Loans

          Jess joined Pearl in 2016 after an 8 year career at ANZ Bank, initially in the Private Bank and then ANZ’s Lending Services division.  Since joining Pearl, Jess has obtained her Finance Broking Qualification and today leads Pearl’s Home Loan division.  


          Dispute Resolution

          It is extremely important to us that every client has a great experience.  If you are not happy with our service at any time, then you must let us know.  Attached here is our Internal Dispute Resolution policy if you would like to know more.

          Contact us to learn more


          Affiliates and Partners:

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          Interested in learning more?

          For an obligation-free discussion with a Pearl Finance banking advisor, contact us now.
          Free discussion

          We’ll even buy the coffee