How lenders really assess a business — and the small things that get good ones declined.
Tech to finance — building solutions at each step, to bring clarity, efficiency and transparency to my clients.
It's almost always about how the deal was presented. Banks decline good businesses every week — not because the numbers don't work, but because the submission never answered the questions the credit team was always going to ask.
Track record, experience and credit history. Time in your industry, your reputation, whether past debts were repaid. Not personality — credibility.
Cash flow that covers repayments with headroom — and how resilient it is: customer concentration, key-supplier risk and seasonality.
Property, cash, equipment or receivables that back the loan — assessed on value and quality. Not needed for unsecured, but it sharpens the deal.
Your overall position — assets, liabilities, net worth, liquidity and your own contribution. Skin in the game, and a fallback if things tighten.
The four C's are the frame — this is the risk we actually grade inside them.
How dependent you are on key suppliers — and what happens if one falls over.
Industry conditions, demand, competition, and where the cycle is.
Lead times, fragility and single points of failure in how you deliver.
Revenue or margin leaning on a few customers or products.
Key people, sites or systems the business can't run without.
Reliance on one lender or facility — and the refinance risk in it.
Expertise gets you part of the way — consistency is what gets deals approved, fast. We don't eyeball it. Every submission runs our benchmarking & risk engine, so the credit case is complete, consistent and quick — every time.
Link via the ATO or Xero (optional) — current numbers, no chasing paperwork or stale statements.
Compared to IBISWorld industry data, earnings normalised — an objective read, not an opinion.
Stress-tested and risk-graded — measured, not assumed. The same rigour on every file.
Built to answer the lender's questions up front — which is exactly what makes it fast.
The engine isn't a spreadsheet — it's wired into the same data a lender (and a smart business) relies on.
Benchmark any business against its industry — the objective baseline behind every read.
An approved-pathway Digital Service Provider, plus the ATO's own small-business benchmarks.
Full API across residential, commercial & construction — valuations, plus company credit reporting to vet new debtors before you extend credit.
Streamlined onboarding, early cashflow-risk flags, and debtors cross-referenced against industry performance.
Entity-clear and reconciled — last two years plus year-to-date. If you can't explain a line, a lender won't fund it.
In plain English: what services the debt, with what headroom. Connect the numbers before someone else has to.
The right appetite turns "too hard" into "approved". One decline is a lender mismatch, not a verdict.
A bank priced a $20M+ facility as a risky exposure. Re-presented as the asset-backed lend it was — line fee cut 0.75% (1.8% → 1.05%), in 72 hours.
A 3-townhouse Canberra infill — below a major bank's usual ~$10M dev minimum. Approved on exception, no presale.
A young business turning over $10M+ in year one — knocked back by its own bank for a credit card. We secured an overdraft, a growth facility and a $3M security line for property.
Anonymised to protect client confidentiality · every deal is assessed on its own merits · outcomes vary.
Bridge the gap between doing the work and getting paid.
Fund the next stage — stock, people, new sites.
Gear, vehicles and fit-out — financed, not drawn from cash.
Buy the premises you rent — owner-occupier or investment.
Acquisitions and partner buyouts, funded on the deal.
Land, build and residual stock — including past the majors' caps.
The right capital, shaped to fit the plan — not an off-the-shelf product.
Every deal credit-ready before a lender sees it.
100+ lenders — the right appetite, not a scattergun of applications.
Fix what was set up wrong, or sharpen the pricing.
Keep the facility aligned as the business grows.
What's fundable, what isn't, and what it'll really take.
Startup or established — the plan, and the funding plan behind it.
Property development, new ventures and acquisitions — does it stack up?
Buy, sell or merge — structured, assessed and funded.
Company profiles & capability statements that win the work.
Set up right, with the right experts — without leaving your desk.
An annual health-check, or fix a problem and lift performance.
Going to ask a bank, or already had a no? Get a second read from someone who's sat on the credit side. Grab me after — or anytime.