Been declined?
It is usually the case that failed. Not the deal.
A declined business loan feels final. Most of the time it is not. Credit teams reject on presentation, and a rebuilt submission with the earnings case evidenced properly is a different application. We find why it failed and rebuild it in three business days, from evidence, never spin. Declined? Start here.
The product for a declined file
Submission Rescue.
A lender knocked back a submission that you believe should have passed. We work out why it failed, rebuild the earnings case from evidence, and restructure the presentation for the next lender. Every figure we present must be supported by source documents.
It is the front door for a knock-back: send the file that was declined, and Nick and his team find the failure point, rebuild the earnings case from evidence, and restructure the presentation for the next lender. If the deal genuinely does not service, you hear that instead, for the same fee.
Why applications that should pass get declined
- The earnings case relied on unevidenced add-backs, so the assessor rebuilt it lower and the deal stopped servicing
- Debt service was never tested at a sensitised rate, and the application failed the stress test inside the bank
- The submission was a pile of documents rather than a case: no sources and uses, no covenant maths, no story
- Working capital was ignored, so the numbers showed the business running out of cash within months
- The wrong lender for the deal: every credit team has appetites, and the submission never addressed this one's
None of these mean the business cannot carry the debt. They mean the bank never saw the deal properly. That is fixable.
Evidence, not spin.
We only represent what is true and accurate. Every adjustment in a rebuilt submission is supported by source documents: receipts, BAS lodgements, bank statements, ledger detail. We will never falsify or massage documents for an approval, and we need the evidence to do the work. If the deal genuinely does not service, we tell you that instead. You are paying for the answer, not for a particular answer.
It works
Four deals the bank had said no to.
Different industries, same pattern. The businesses were fine. The paperwork was not telling the story.
The vet practice capped at $3.0m
Lenders could not read the owner’s income, so his capacity stalled at $3.0m. Line by line through the P&L: one-off expenses evidenced with receipts, EFTPOS trading cross-checked to the management accounts, existing debt restructured.
Capacity rebuilt to $6.5m. Full case study
The self storage buyer told no
A buyer had a self storage facility under contract, and a major bank told him the deal did not service. We unpacked the figures and rebuilt the earnings case in our serviceability worksheet. On the rebuilt file, the banker approved the lending and the purchase went ahead.
An additional $3m in lending approved. Full case study
The franchisee turned away
A franchisee of a national brand wanted a second, much larger site, and a major bank knocked the application back on serviceability. Working with the client and their accountant, we built the business plan, the cashflow forecast and our serviceability worksheet, and the finance was approved.
The larger site secured. Full case study
The buyer from overseas, declined first go
A US-based client wanted to buy an Australian franchise, and the first application was declined. We rebuilt the figures from evidence, using ATO benchmarks and comparable businesses, then built the business plan, the financial models and our serviceability worksheet to demonstrate servicing.
Approved by a major bank, on strong terms. Full case study
More detail on all of these, on the case studies page
The veterinary matter is shared with the client’s consent; the other matters are anonymised. Figures relate to assessed borrowing capacity or approved lending. Outcomes depend on individual circumstances and lender criteria.
The rescue reality
Knocked back elsewhere. Then wealth built outside the business.
Both of these deals had been to other brokers and banks before they reached us, and had been knocked back. Nick and his team rebuilt the file, structured the debt, and got them approved. What a decline nearly cost these owners is what makes the point.
Case A · Industrial value-add, Brisbane
Declined twice. Then $1.5m of equity in nine months.
A run-down industrial property had been knocked back before it came to us. We rebuilt the financial story from evidence and structured the debt for the condition and the value-add plan. Nine months later it carried over $1.5m of new equity, sitting outside the client's business.
Over $1.5m of equity uplift in nine months. Full client story
Case B · CBD retail centre, Brisbane
The bank said no. The asset shows a projected 55% IRR.
A freehold multi-tenant CBD retail centre, previously knocked back. We structured the leverage that made the deal work and kept the client's business balance sheet intact while they bought a multi-million-dollar asset outside it.
A projected 55% IRR, business balance sheet left intact. Full client story
Real matters, published with the clients' consent. Figures are the clients' own; every projection is labelled and is an estimate only. Past outcomes do not indicate future results, and any transaction depends on individual circumstances and lender criteria.
ATO debt and Small Business Restructuring
A tax debt or an SBR is not the end of your story.
We've stood next to owners through both, and financed what came after. An ATO debt or a Small Business Restructuring changes the file, but it does not end it. What a credit team needs to see is the position told plainly: what happened, what the plan is, and how the business services from here.
We prepare that file, and we take it to market where you want us to. If you would rather use your own bank, we build the file and work with them. Where an SBR is running, we work alongside your insolvency practitioner rather than replacing them. Nick can also point you to the right accountant, solicitor or practitioner for the stage you are at.
How the rescue works
Send what was declined
The submission that went in, the source documents behind it, and whatever the lender said. Every adjustment we present must be evidenced, so receipts, BAS lodgements, bank statements and the ledger are the raw material.
We find the failure point
Usually within the first day: the unevidenced add-back, the untested rate, the missing working capital line, or the mismatch between deal and lender.
Rebuilt in 3 business days
The earnings case rebuilt with every figure evidenced, the presentation restructured for the next lender, and a straight read on whether the deal genuinely services. If it does not, we say so.
Submission Rescue · $950 · 3 business days
Fixed fee, no contingency. If the deal genuinely does not service, we tell you that instead, and the fee is the same.
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 documentsCommon questions
No. We only represent what is true and accurate, and we will never falsify or massage documents for an approval. What we do is different: we evidence the real earnings properly, with receipts, BAS lodgements, bank statements and ledger detail behind every adjustment, so the lender sees the deal as it actually is. Real numbers, presented properly, are what get approvals. And if the real numbers say the deal does not service, we tell you that, and the fee is the same.
Usually not. Credit teams reject on presentation, not merit. We regularly see submissions fail at one lender and pass at the next once the earnings case is rebuilt and evidenced. What matters is finding the real failure point before going again.
$950 fixed, with a three business day turnaround. If the analysis shows the deal genuinely does not service, we tell you that too. You are paying for the answer, not for a particular answer.
Yes, where you want us to. Credit assistance is provided by Nicholas Clunes, Credit Representative Number 530711, authorised under Australian Credit Licence Number 387856, through The Lending Lab Pty Ltd. The rebuilt documents are yours either way, so you can equally take them to any broker or lender you choose, and the preparation fee is the same.
Three business days from receiving the declined submission and the financials behind it. If a contract deadline is bearing down, say so on the call and we will tell you honestly whether the timeline is achievable.