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.
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
Capped at $3m. Cleared at $6.5m.
A veterinary practice owner kept missing out because lenders could not read his income. Line by line through the P&L: one-off expenses evidenced with receipts, EFTPOS trading cross-checked to the management accounts, existing debt restructured.
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.
Common 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.
Lodging and negotiating with lenders is finance broking, which is handled by The Lending Lab Pty Ltd, a separate business, with any referral relationship disclosed in writing. The rebuilt documents are yours, so you can also take them to any broker or lender you choose.
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.