Let us help maximize your time and sanity.
“With a broker that cares.”
Independent Agents of Finance (IAOF) is a commercial broker and financial consulting firm owned and operated by Jim McCausland — 25 years in commercial lending and brokerage, preceded by 20 years in IT and business acquisitions. Jim established this firm to provide fair, ethical service that's hard to find in the brokerage industry, with a focus on education, business growth, and results. Backed by decades of experience working directly with Chief Lending Officers and CEOs, the IAOF team is committed to negotiating better terms and rates on every deal.
Why choose IAOF LLC?
Most business owners seek commercial financing in the same way: They walk into their local bank, request a commercial loan quote, and assume the bank's relationship manager has their best interests at heart.
But a single bank can only offer you its specific, limited menu of products. When you handle capital sourcing alone, you end up accepting structures that quietly favor the lender.
Securing the right commercial capital requires a strategic market approach, which is why sophisticated operators use a commercial broker to act as an outsourced capital advisor:
100+ Lender Network: We force institutions to compete actively for your business, driving down interest rates and optimizing debt structures.
Custom Lender Match Report: We map your specific financial profile directly to the lenders most aggressive for your asset class right now.
Aggressive Negotiation: We negotiate on your behalf to mitigate prepayment penalties, strip away hidden fees, and protect your long-term cash flow.
I approach capital advisory using an outside-the-industry consultative selling model. My commitment is entirely to you, not the lender. In fact, if you happen to find a better deal on your own, I will always recommend that you take it.
You do not just need a loan broker to close a transaction. You need an advisory partner to manage your capital strategy.
IAOF has officially partnered with 3rd Street Financial as their residential mortgage referral partner.