Services
Everything we do, and what each one costs.
Everything we do, grouped by the situation you are in: buying a business, borrowing against the one you already run, wanting someone alongside you ongoing, or producing the documents a lender has asked for. Every fee is on the site, and every engagement is scoped in writing before it starts.
For a business you are buying
Test the numbers before you commit, then build the case the bank needs.
Financial due diligence
The earnings picture rebuilt from bank statements, BAS lodgements and the general ledger, so you know what the business really earns once you are running it. Three levels, priced by transaction value.
From $2,500
What it coversLender submission packs
Serviceability models, funding requests and information memorandums, built the way a commercial credit team expects to read them. Three packs, or any document on its own.
From $950
What it coversFor the business you already run
The numbers work that sits between your accountant and your bank.
Debt Capacity Assessment
The facility you have in mind modelled into your actual financials, with the covenant maths, the stress tests and a written read on which facility types the numbers support. For new debt from $100,000 upwards.
$1,850, 5 business days
What it coversGrowth Scenario Model
A planned move, another business, new equipment or a second site, run through profit and loss, balance sheet and cash flow in best, mid and worst case over a multi-year horizon. Includes the assessment.
$4,950, 10 business days
What it coversCovenant Compliance Review
The financial covenants in your facility agreement worked against your actual numbers before the lender tests them: the headroom on each, anything close to the line, and the calculations ready for the compliance certificate you sign.
$1,250, 5 business days
What it coversOngoing, rather than one job at a time
Three standing engagements: one on the numbers, one that runs your covenant compliance for you, and one on the person running the business.
The Owner's Desk
The capital side kept current between engagements: what you can borrow, how much covenant room is left, whether the next move is fundable. Annual, quarterly or monthly.
From $850 a quarter, free for Lending Lab clients
What it coversCovenant Management
The managed counterpart to The Owner's Desk. We run your covenant compliance end to end all year: the bank's point of contact, targets set to stay inside every covenant, the reporting produced, your accountant coordinated. Sold heavily through brokers and accountants.
Scoped and priced in writing
What it coversThe Sounding Board
A standing session on the business you are running, quarterly or monthly, plus the line between sessions, with someone who has read the actual numbers of hundreds of businesses. Business coaching, not financial advice.
From $1,250 a quarter
What it coversFor lenders, brokerages and boards
The one part of the practice that is not a packaged product, for work that does not fit one.
Consulting
Private lender product and credit design, broker business capability, and advisory board or non-executive seats. Contracting the experience directly rather than buying a defined deliverable.
Scoped and priced in writing
What it coversDocuments a lender has asked for
Whether you are buying, borrowing or already part way through.
Business plans and forecasts
Lender-grade plans in three tiers, built from your actual accounts and tested against ATO benchmarks, with a full three-way forecast at the top tier. Every tier includes a revision round.
From $850
What it coversSubmission Rescue
A lender knocked back a submission you believe should have passed. We work out why it failed, rebuild the earnings case from evidence, and restructure it for the next lender.
$950, 3 business days
What it coversFees are shown excluding GST, with the GST-inclusive figure beside them. GST applies at 10%. The consolidated fee schedule carries every band and modifier, and how it works sets out turnarounds and the standard information request.
Want a rough read before engaging anyone? The free calculators run the same arithmetic on figures you type in.
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.