CFO Model — Compliance + Finance

Compliance That Pays Its Own Way

An embedded Compliance & Finance Officer sits inside your agency via EZFinance (ACL 392611) and Better Business Coach. You get AML/CTF compliance covered and a new revenue stream opened simultaneously.

$495 / month

+ GST  ·  Monthly subscription

One-off setup  $1,150 + GST
⬆ Potential zero-net-cost model through finance revenue

What's Included

  • Embedded Compliance Officer — AML/CTF covered
  • Embedded Finance Officer — via EZFinance ACL 392611
  • Better Business Coach — business growth support
  • SENTINEL Agent, CO & Principal Portals
  • AI analysis module (Claude-powered)
  • GreenID VOI identity verification (~$5.90/check)
  • Green / amber / red risk flag system
  • Written AML/CTF Program for your agency
  • Trail book income stream (broker commissions)
  • Upfront commissions on client finance
  • Broker-referred listings ($100k+ yr 1 projected)
  • Database monetisation strategy ($50k+ projected)
  • 7-year compliant record storage
  • KPI target: 4 finance settlements per month

The Revenue Model

Your Compliance Cost Can Be Revenue-Neutral

Property360's CFO Model is built on a simple insight: your real estate database already contains finance opportunities. Buyers need mortgages. Sellers have equity. Every transaction is a finance event. Our embedded finance officer activates those opportunities, generating income your agency didn't know it had.

Trail Book Income

Ongoing monthly commissions from your referred broker loan book. Passive income that grows as settlements accumulate over months and years.

Ongoing

Monthly passive trail commissions

Upfront Commissions

Each finance settlement generates an upfront commission payment. With 4 settlements per month at target, this compounds into meaningful annual revenue.

4/month

KPI target settlements

Broker-Referred Listings

Your finance clients refer back real estate listings. Brokers who refer finance clients to your agency generate new listing stock you otherwise wouldn't have.

$100k+

Projected Year 1 commission value

Database Monetisation

Your existing client database is an untapped asset. Our system identifies and activates finance events across your full database — past clients, vendors, buyers.

$50k+

Projected database revenue

4

Finance settlements per month (KPI target)

$100k+

Broker-referred listing commissions — Year 1

$50k+

Database monetisation — projected

$0

Net compliance cost — potential outcome

Delivered Through

Built on Licensed Infrastructure

The CFO Model is not a concept. It is delivered through licensed, regulated entities operating under the Emerald Group Holdings umbrella — giving your agency access to Australian Credit Licence holder services, certified business coaching, and AML compliance under a single engagement.

EZFinance — ACL 392611
Better Business Coach — Certified Coaching
Property360 Agency — AML Compliance
Emerald Group Holdings — Parent Entity

Compare

Solo Model

$350+GST/month — Principal as CO

Compare

CO Model

$990–$1,750+GST/month — Embedded human CO

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CFO Model

$495+GST/month — Compliance & Finance