FSA Group, a servicer of debt agreements, paid a higher dividend from a lower profit in the year to June 2012.The firm said net profit fell five per cent to A$8.5 million. Revenue increased nine per cent to $59 million.FSA will pay a final dividend of 1.55 cents, following an interim dividend of 0.65 cents. The firm paid a maiden dividend of 1.0 cents this time last year.A small business consulting service of FSA is being wound down after recording losses last year. The firm continues to provide finance - in the form of factoring - to this sector. FSA uses a $28 million facility from Westpac to support this lending.Westpac is also the provider of the facility for the firm's non-conforming lending, with the loans often marketed to clients as part of debt-servicing agreements with FSA. Bendigo and Adelaide Bank is the provider of a smaller facility that funds prime home loans.Profit from home lending for FSA declined slightly over the year. Debt servicing accounts for three quarters of group profit.