“I own a business and want to grow it.”
Growth takes capital. Capital takes preparation.
Established owners expanding, opening a second site, buying equipment or a competitor. We model what the numbers support and build the case for the facility, before anyone applies for anything.
The path
Four steps, in the order that works.
Read what you already carry
Before new debt, the debt you have: every existing facility reviewed for pricing, structure, covenants and headroom. The Debt Facility Review is $990, and free for clients of The Lending Lab.
Test the new debt
The facility you have in mind modelled into your real financials at the lender's test rate, covenants and sensitivities worked. The Debt Capacity Assessment is $1,850, and free for Lending Lab clients.
Model the move
The second site, the fleet, the competitor: run through best, mid and worst case over a multi-year horizon before you commit. The Growth Scenario Model is $4,950, and free for Lending Lab clients.
Fund it
Want the facility arranged? We take it to market across 40+ lenders ourselves. Prefer your own broker or bank? We build the case and work directly with whoever lodges it.
What you might need
The products on this path, every fee on the page.
Debt Facility Review
The debt you already carry, read properly. Free for Lending Lab clients.
$990 · 5 business days
Learn moreGrowth Scenario Model
The planned move modelled in three cases, with the capacity path in each. Free for Lending Lab clients.
$4,950 · 10 business days
Learn moreBank-Ready Plan
The written case for the facility, built from your actual accounts.
$1,450 · 7 business days
Learn moreThe Owner's Desk
The capital side kept current between moves. Free for Lending Lab clients.
From $850 a quarter
Learn moreStart free
Free, no email wall, method set out in full. Test the move yourself before you pay anyone to test it properly.
Client stories
Growth that was modelled before it was funded
Food franchise · 2026
The franchisee turned away from a bigger site
The finance approved, fully funded. The larger site secured.
Read the storyVeterinary · 2025
The vet practice capped at $3.0m
Capacity rebuilt to $6.5m.
Read the storyRestaurant franchise · 2023
The restaurant franchise nobody wanted to fund
Approved, and the site acquired.
Read the storyRead first, pay later
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 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.