About me
I've spent my career reading complex professional income from the bank side.
Engineers and medical professionals shouldn't have to explain day rates, rosters, locums or practice financials before the finance conversation can begin.
Adam Bacic, founder of Charter Point Finance
Nine years in finance, mostly inside the banks, working with medical, construction and professional-services clients, plus public-practice accounting experience.
You deal with me directly, from the first call to settlement and every review after.
Two credibility threads
Engineering
Years working with civil and construction clients and currently studying engineering. I'm not an engineer; I wanted to understand how engineers think and why engineering income looks the way it does.
Medical
Bank-side experience with medical clients, and an understanding of training pathways, locum work and practice purchases. I'm not a medical professional; I work alongside them.
Track record
The work behind the assessment
$200M+ in lending settled across commercial and SME clients during my banking career
170+ finance approvals delivered for small businesses in under five years
State-wide business banking manager covering 100+ SME clients
Public-practice accounting across SME tax and compliance, individuals and property investors
How that experience is applied
Bank-side experience: I know how a credit team reads your file before it gets there.
Accounting experience: I can read contracts, BAS and company financials the way a lender will.
Industry experience: I understand projects, progress claims, rosters, contracts, locums and billings.
Personal service: You deal with me from first call to settlement, and at every review after that.
The boundary stays clear
I don't give tax or structuring advice. I work alongside your accountant or adviser and explain how selected lenders will read the position already built.
Put the real numbers in front of you.
I'll read the position, show the calculation and explain the trade-offs, no guesswork, no rework.