Debt advisory
Specialist debt advice, and we arrange none of it.
The debt you carry, the debt you are planning, and the covenants in between, worked the way a commercial credit team works them. Six fixed-fee engagements, every one priced on this site, and not one of them pays us a cent more if you borrow.
Why this is different
Almost everyone who advises you on debt is paid when you take it.
That is not a criticism of brokers. It is the structure, and it is how most of the work gets funded. It does mean that on a normal broking engagement the person telling you whether to refinance is the person paid only if you do.
We are a brokerage too, so let us be exact about where we stand rather than claim a purity we do not have. The review is a fixed fee, on this page, quoted before it starts and payable whether the conclusion is to move the debt, add to it, or leave it exactly where it is. Nothing about that fee moves with the answer.
Where the answer is a new facility and you want us to arrange it, we will say so in writing, and we will tell you that a lender may pay commission to The Lending Lab on it. You are free to take the review to any broker or bank, and the fee is the same. A review that concludes you should do nothing is a review we have been paid for and earned nothing else from, and we write a few of those every year.
The review itself stops at what your numbers support. It does not name a lender or a product, because that is a conversation to have once you have decided what you are doing. Where you want the facility arranged from there, we do that, and we tell you in writing that a lender may pay commission on it. Where you would rather use your own broker or your own bank, the work is yours to take to them and the fee is the same. Plenty of clients do exactly that.
The practice
Six engagements, in the order they usually come up
Each is a fixed fee on this page and each stands on its own. Most owners start at the top, because reading the debt you already carry changes what everything after it is measured against.
Read what you carry
Debt Facility Review
Every existing facility in one schedule: what it costs, what secures it, what it is tested on, and what a restructure would change. The starting point, because it changes what everything after it is measured against.
$990 · 5 business days
What it coversTest what you can carry
Debt Capacity Assessment
The facility you are planning modelled into your actual financials, on top of everything you already carry, at the rate a lender tests rather than the one you were quoted. Covenants worked, sensitivities run.
$1,850 · 5 business days
What it coversModel the move
Growth Scenario Model
A second site, a fleet, a competitor. Run through profit and loss, balance sheet and cash flow in best, mid and worst case over a multi-year horizon, with the capacity path in each. Includes the assessment.
$4,950 · 10 business days
What it coversKnow what you are held to
Covenant Compliance Review
Every financial covenant in your agreement worked against your actual numbers before the lender works them for you, with the headroom on each and the calculations ready for the certificate you sign.
$1,250 · 5 business days
What it coversKeep it current
Covenant Management
The standing annual engagement: every covenant tracked all year, the reporting produced, your accountant coordinated, and the bank's requests handled so you are not living in the banker's email chain.
Scoped and quoted in writing
What it coversWhen it goes wrong
Submission Rescue
A declined submission rebuilt from evidence: why it failed, the earnings case reconstructed from source documents, and the presentation restructured for the next lender. Or a straight no, for the same fee.
$950 · 3 business days
What it coversFees are shown excluding GST, with the GST-inclusive figure beside them. GST applies at 10%.The debt and capacity modelling is free for clients of The Lending Lab. For everyone else the fees are as above, and they do not move with the outcome. Keeping the position current afterwards is The Owner’s Desk, from $850 a quarter.
Who this is for
Business owners carrying debt
Facilities accumulated one decision at a time, each sensible on the day, and nobody paid to look at the whole position since. An overdraft, some equipment finance, a term loan and a set of covenants signed at settlement and not read again.
Commercial property investors
An asset bought, a facility taken, and a portfolio that grows one deal at a time until the structure that suited the first purchase is carrying the fourth. Interest cover, expiries and cross-security all move as the portfolio does.
Anyone about to take on more
The question is never just whether a lender will say yes. It is what the new facility does to the covenants on the old ones, and what the position looks like when trading softens by ten per cent.
The arithmetic behind all of it
Free, no email required. What a credit team adopts as earnings, the rate it tests at, the covenants that run for the life of the facility, and how much room sits above the line.
Two ways this can work.
Referred to us for finance? You are in the right place either way. Either we arrange it, or we prepare the file for whoever does.
Have us arrange the finance
We build the analysis, write the submission and take it to the lenders who will actually do the deal, across 40+ of them. One team from the first set of figures to settlement, and one team holding the covenants after it.
Start a finance enquiryAlready have a broker or a banker you trust?
Keep them. We will build the file to the standard a credit team expects and work directly with whoever lodges it. Same models, same documents, same standards, and we do not take the lodgement on that engagement.
See the finance documentsWant a rough read before engaging anyone? The free serviceability calculator, covenant check and true cost of finance run the same arithmetic on figures you type in. No sign-up, and nothing you type is sent anywhere.
General information only. Not credit advice, not a credit assessment, and not an offer of finance. Lending decisions rest with the lender and depend on your circumstances and their criteria.
Want a straight read on your deal?
Book a free call with Nick. Bring the numbers you have, and we will tell you the right service level and the fixed fee. No obligation.