FOR BUSINESS OWNERS
Your business is the first engine. We build the second.
Book The Clarity Brief™$990 · 90 minutes · diagnostic in 48 hours
THE SHORT ANSWER
XAGENT is a founder-led property advisory that helps Australian business owners turn surplus profit into a structured investment property portfolio. The strategy is written and signed off before any property is sourced. Then we acquire against it, coordinate your accountant and broker, and keep reviewing the portfolio after settlement. We're paid by our clients, and only our clients.
WHY OWNERS ARE DIFFERENT
Most property advice is written for someone on a salary. Yours has more moving parts.
Your income doesn't read like a payslip
Lenders assess a business owner differently, and each one has its own view. How you draw profit today shapes what you can borrow tomorrow.
Your profit sits inside a structure
Before it can buy anything, it has to leave the business in a way that fits your tax, your borrowing and your ownership plan. The order matters.
Your wealth sits in one place
One company, one industry, one income source. A second engine builds something the business doesn't have to keep earning.
Working through the numbers? Read our guide to property investing for business owners, or the framework for deploying surplus business profit.
WHAT WE DO
Strategy
You stop guessing between meetings.
We map your position, your destination and your buy-box before anything is sourced. Structure and borrowing are settled with your accountant and broker, not retrofitted later.
Acquisition
You stop scrolling realestate.com at 11pm.
We source, filter and secure against the plan. We scan 50 to 100+ properties per brief. You see the one that made the cut, with the reasoning attached.
Execution
You stop fielding calls between jobs.
Contract to keys, coordinated. Broker, conveyancer, inspections and property manager, handled while you run the business.
Compounding
You stop wondering when to buy the next one.
We review the portfolio, watch the equity and call you when your sequence says it's time.
The full method is The Second Wealth Engine™. Every stage is on How it works.
THE WHOLE PICTURE
Your accountant, broker and planner each own a piece. Nobody owns how the pieces fit. That's the seat we take.
Your accountant
Tax and ownership structure
Your broker
Lending and borrowing capacity
Your financial planner
Your wider financial plan
We don't give tax, legal or credit advice. We make sure the people who do are working from one plan. If you're missing a specialist, we'll introduce the ones we send our own clients to.
ADVISOR OR AGENT
A buyers agent finds and secures a property. That's the transaction. A property advisor owns the whole picture: structure, borrowing sequence, team and destination. The purchase is one part of the plan.
For a business owner, the difference tends to show up later. A good property bought in the wrong order, or held in the wrong name, can limit the next one.
If you only need a property found, a buyers agent is enough. If you want the plan first and the purchase handled against it, that's the work we do.
Read the full comparison: buyers agent vs property advisor.
A CLIENT PATTERN
Before
Both running a growing business. One investment property, plenty of surplus profit, no roadmap for what to do with it. The trigger was a third broker conversation contradicting the second.
After
We mapped a 10-year roadmap with clear rules for borrowing, buffers and property criteria, then acquired in line with the plan. They now review their equity with us and trigger the next purchase when the numbers stack up.
THE FOUNDER
Joshua Francavilla has been in business since 2015, across construction, wholesale, mobile catering, hospitality and a music venue. When COVID hit hospitality, it was property that saved him.
He's a grassroots business owner who learnt his lessons the hard way. Building an asset base while you build your business takes a shift in mindset, and it's necessary. Helping other business owners make that shift is the work he cares about most.
Your business is your first wealth engine. Your property portfolio becomes your second.
Josh personally runs every Clarity Brief™. Two sessions a week. No more.
STRAIGHT TALK
We'd rather be honest now than waste your time later.
This isn't right for you if
This is right for you if
GOOD QUESTIONS
Who helps Australian business owners invest in property?
A property advisor. An advisor looks at your business, structure and borrowing before recommending any purchase, then coordinates the team around it. XAGENT does this for business owners across Australia, with sessions over Zoom.
What does a property advisor do for a business owner?
A property advisor builds the plan that connects your surplus profit, ownership structure, borrowing and purchases. At XAGENT that covers strategy, acquisition, execution and ongoing review. Your accountant and broker work from that one plan.
Do business owners need a buyers agent or a property advisor?
It depends on what's missing. If your plan is settled and you only need a property found, a buyers agent is enough. If nobody owns your structure, borrowing sequence and destination, you need a property advisor first.
Is XAGENT a buyers agent for business owners?
Not in the usual sense. A buyers agent starts with the search. We start with the plan, then source and secure property against it, so the purchase is the last stage rather than the first.
Will you work with my existing accountant and broker?
Yes. The plan is built to be stress-tested by your existing team, not to replace it. The Clarity Brief™ includes a one-pager each for your broker, accountant and financial planner, with the exact questions they need to answer.
My income runs through a company or trust. Can you still help?
Yes. That's common for business owners, and it's why borrowing and structure are mapped before any search starts. The structure decision is made with your accountant, and the lending with your broker.
When is a business owner ready to invest in property?
Readiness is structural, not a feeling. You're close when the business has its reserve, tax is provisioned and there's capital it doesn't need. If the business still needs every dollar, the Clarity Brief™ will tell you that.
Do you help business owners buy commercial property or their own premises?
Yes, where it fits the plan. A Second Wealth Engine™ often includes cash-flow focused commercial assets.
What does it cost?
The Clarity Brief™ is $990 incl GST: 90 minutes one-to-one with Josh and a written diagnostic within 48 hours. Anything beyond the Brief is discussed and priced in session. We're paid only by clients, never by sellers.
START HERE
Everything on this page is general. The Clarity Brief™ is about your business, your structure and your next moves, in writing, within 48 hours.
Book The Clarity Brief™$990 incl GST · 90 minutes with Josh · diagnostic in 48 hours
Not ready for the Brief? Take the free Wealth Engine Archetype™: 5 minutes, instant results.
This page is general information only. It doesn't consider your circumstances and isn't tax, legal, financial or credit advice. Obtain advice specific to your situation before acting.
INVESTMENT PROPERTY WEALTH ENGINE™
