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 $1.5bn in finance with Australian and international financiers.

Our vision

Our “reason for being” is to create cash flow and banking excellence in business.  We strive to be the best at this and in turn to build a global franchise helping businesses around the world.

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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        Alan Miltz

        B.Sc, B.Comm (Hons), ACA, CASA, ICMA – Managing Director, Pearl Business Improvement

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        Alan Miltz is director of Pearl Financial Services Pty Ltd and Managing Director of Pearl Business Improvement Division.  Alan commenced his business career as a Chartered Accountant in South Africa but moved to Australia in the late eighties to help set up a major retail brand.  Recognising very early that businesses didn’t speak the same language as Banks, he set himself the audacious goal of changing this.  He founded a company called Inmatrix, which became an internationally renowned financial analysis software company providing analysis software to over 300 banks worldwide.

        Today, Alan’s focus is on the implementation of best practices in credit and financial management and he is invited around the world to deliver his insights in this regard.  Alan has worked with a wide range companies and banks globally. Banking clients include ANZ, National Australia Bank, Bendigo Bank, Maybank, Bangkok Bank and Royal Bank of Canada.  He has also completed in excess of 200 business plans for major public companies and large private enterprises.  He is involved in the training of senior management in industry and banks.

        In 2000 Alan Miltz was voted best new speaker in Australia for The Executive Connection (a CEO forum), lecturing on Improving Business Performance and Key Business Performance Indicators. Alan has been a keynote speaker at numerous international CEO events focusing on improving business performance.

        Alan is a passionate family man and whilst he spends up to 6 months of every year traveling he relishes the chance to rush home to spend quality time with his wife and son.  He is a sports fanatic with a particular passion for Manchester United, IPL Cricket and conflicting attraction to the Springboks of his heritage and the Wallabies of his chosen home.

          Peter Keating

          M.Mgt, SF Fin, FAIM, MAICD.

          Founder and Director

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          Peter started his career in an ANZ bank branch and worked his way up over a span of some 40+ years to hold Head of Business Banking and Head of Credit roles in Victoria with Australia’s largest Bank.

          In 2004, Peter made the choice to leave working for Banks and set up Pearl Financial Services, recognising that businesses needed help understanding why banks do what they do.  In his time as Managing Director of Pearl he oversaw the business write over $1billion in lending before opting to give his son Nathan the reins of the business in 2013.

          Today Peter works hard to support a core group of customers whilst supporting Pearl with an immense amount of knowledge and experience built up over his career.

          With his best friend and wife, Wendy, he has 5 children and 9 grand children to keep home life interesting, which might explain why he is regularly found enjoying his Melbourne Storm membership and attending the odd Melbourne Rebels game.

          Among other directorships Peter has held board positions with not for profits Australian Institute of Management and the drug and alcohol agency, Turning Point.

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            Kavan Shah

            B.A. (Oxon), Executive Coach – Managing Director, Pearl Kenya Ltd

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            Kavan Shah is a Director of Pearl Financial Services and is based in the Nairobi office. As a graduate from the University of Oxford with a degree in Economics and Management, he has specialized in Strategy, Finance, and Macroeconomics. He then proceeded to be an A-level Economics teacher at the Westminster School in London before moving back to Kenya. Before joining Pearl, Kavan worked at DEG, a German development finance institution offering large scale debt and equity finance solutions.

            Kavan works with Pearl clients to design and deliver Cash Flow Excellence programs, improve financial performance, and help to facilitate board meetings and board-reporting procedures.

            Outside of consulting, Kavan is a certified Executive Coach, improving the performance of individuals. He also sits on the regional board of the Entrepreneurs’ Organisation East Africa as Communication Chair. Kavan has a passion for sports, travel,  adventure having made some several trip to Mt. Kilimanjaro, Mt. Kenya and even the Himalaya. 

              Lachlan Walmsley

              B.Comm, Grad Dip Applied Finance and Investment – Associate Director

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              Lachlan (Lachie) Walmsley is an experienced Senior Banker and has a passion for people and business growth through optimal funding. With over 13 years working in banking and finance, Lachlan understands how banks want business to perform, communicate and act. Lachlan’s customers benefit greatly from his understanding of how Banks assess business and credit risk.  Most recently before joining Pearl, Lachlan worked for a Major Bank as a Relationship Manager in their Agricultural Lending Division. He has previously worked across SME, Corporate and Institutional Banking in numerous industry segments, covering Retail, Wholesale, Manufacturing, Construction, Transport and Logistics, Professional Services, Labour Hire, Forestry, Agribusiness and post farm gate.

              Lachlan’s other interests include Hockey and Bike riding, choosing to ride to work more days than not.  When he’s not working hard, he’s at home BBQing.


              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.
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              We’ll even buy the coffee