Finance documents
Built the way a credit assessor reads one.
Credit teams reject submissions on presentation, not merit. Plenty of deals that service comfortably get knocked back because the earnings case was never laid out the way a credit team evaluates one. Every document here is built to that standard, at a flat published fee.
The core product
The serviceability model
One workbook that answers the question the credit assessor is actually asking: does this business pay the debt back, even when things get tighter? It is built to hand straight to a lender. And it is yours, whichever broker or lender you take it to.
We also flag the weaknesses before the lender finds them. If the case depends on projected earnings rather than history, or one site carries the group, the model says so plainly and shows why the deal still works. Credit teams trust submissions that have already asked the hard questions.
$1,850 · 5 business days
Every model covers
- Sources and uses of funds, balanced to the facility
- Adjusted EBITDA build-up with every adjustment evidenced
- Debt service with DSCR and ICR covenant testing
- The reverse view: exactly how much EBITDA the facility needs
- Rate sensitivity grid, tested well above today's rates
- Stress tests on earnings and rates, with a clear verdict on each
- Benchmark comparison against ATO industry figures
- Lender query notes that answer the questions before they get asked
- Client-editable inputs throughout
What the lender sees
The covenant page, the way we build it
Recreated from a real workbook, with the numbers anonymised and materially altered. Every facility is tested against the lender's covenants at a stressed rate, not the rate on the term sheet.
DSCR (covenant 1.00x)
2.6x
PassLeverage (covenant 3.00x)
2.2x
PassInterest cover (ICR 2.00x)
3.9x
PassRate sensitivity: the same facility tested at rising rates
| Sensitised rate | DSCR | ICR | Verdict |
|---|---|---|---|
| 9.0% | 3.1x | 4.8x | Pass |
| 10.5% | 2.8x | 4.2x | Pass |
| 11.5% | 2.6x | 3.9x | Pass |
| 13.5% | 2.3x | 3.4x | Pass |
9.0%
- DSCR
- 3.1x
- ICR
- 4.8x
- Verdict
- Pass
10.5%
- DSCR
- 2.8x
- ICR
- 4.2x
- Verdict
- Pass
11.5%
- DSCR
- 2.6x
- ICR
- 3.9x
- Verdict
- Pass
13.5%
- DSCR
- 2.3x
- ICR
- 3.4x
- Verdict
- Pass
Stress tests in the same workbook: earnings down 20% still holds DSCR at 2.1x, and rates up 2.0% holds 2.3x. Figures anonymised and materially altered.
Packs and fees
Pick the pack that matches your deal
Each pack builds on the one before it. Most buyers heading to a bank take the Bank-Ready Pack. Not sure? Book a call and we will tell you straight.
The Model
Test whether the deal services before you go near a lender.
$1,850
- Serviceability model (lender worksheet)
- Funding request / lender summary
- 12-month lender cashflow forecast
- Information memorandum
Bank-Ready Pack
The model plus the written case. Ready to hand to a lender.
$2,850
- Serviceability model (lender worksheet)
- Funding request / lender summary
- 12-month lender cashflow forecast
- Information memorandum
Full Submission Pack
Everything a lender, investor or partner needs to say yes.
$5,800
- Serviceability model (lender worksheet)
- Funding request / lender summary
- 12-month lender cashflow forecast
- Information memorandum
All fees exclude GST.
Lender packs include a 12-month cashflow forecast for the lender, built in collaboration with you and your advisors from the information provided.
Doing the finance as well? Fee discounts may apply when The Lending Lab is engaged on the finance application for the same matter. Broking minimum loan sizes: $500,000 with property security, or $1,000,000 without.
Only need one piece?
| Single document | Fee | Turnaround |
|---|---|---|
| Funding request / lender information summary | $1,450 | 4 business days |
| Information memorandum | $3,500 | 10 business days |
Funding request / lender information summary
- Fee
- $1,450
- Turnaround
- 4 business days
Information memorandum
- Fee
- $3,500
- Turnaround
- 10 business days
All fees exclude GST.
Already had us do the financial due diligence? The same analysis flows straight into the lender submission, because the earnings case is already evidenced.
Been declined?
Capped at $3m. Cleared at $6.5m.
A lender knocked back a submission that you believe should have passed. We work out why it failed, rebuild the earnings case, and restructure the presentation for the next lender. Here is what that looked like for one client.
A veterinary practice owner kept missing out on properties because lenders could not correctly read his income or his business. By the time he came to us, they had capped his capacity at $3m. The business was performing. The paperwork was not telling that story.
We spent hours with the director and their accountant, going line by line through the profit and loss. Three things changed the answer:
- One-off expense items taken out of the earnings picture, each one evidenced with receipts
- Year-to-date trading pulled from the EFTPOS terminals and cross-checked to the management accounts
- A restructure of the existing debt to support the higher facility
Assessed capacity went from $3m to $6.5m. More than double, built on the same business, presented properly.
Shared with the client's consent. Figures relate to assessed borrowing capacity; outcomes depend on individual circumstances and lender criteria.
Lender cap before
$3.0m
Capacity after
$6.5m
Submission Rescue · $950 · 3 business days
Same discipline, applied to your deal. We find why the submission failed and rebuild it for the next lender. How Submission Rescue works
Want a straight read on your deal?
Book a free call with Nicholas. Bring the numbers you have, and we will tell you the right service level and the fixed fee. No obligation.
Common questions
It is a workbook that answers the one question every credit assessor asks: can this business pay the debt back, even when things get tighter? It covers sources and uses of funds, adjusted EBITDA, debt service with DSCR and ICR covenant testing, sensitivity tables at higher stress-test rates, and downside scenarios. Lender packs also include a 12-month cashflow forecast, built with you and your advisors from the information provided. The inputs stay editable, and the whole thing is built to hand straight to a lender.
Because credit teams reject submissions on presentation, not merit. Plenty of deals that service comfortably get knocked back simply because the earnings case was not laid out the way a credit assessor reads one. Add-backs with no evidence, debt service never tested at stressed rates, working capital ignored. Our documents are built to the credit standard from day one.
Yes, where the evidence supports it. That service is called Submission Rescue: $950 with a three business day turnaround. We work out why the original failed, rebuild the earnings case from source documents, and restructure the presentation for the next lender. We only present what is true and accurate. We will never falsify or massage documents for an approval, and if the deal genuinely does not service, we tell you that instead.
The Model on its own tells you whether the deal services. The Bank-Ready Pack adds the written funding request, which is what most buyers hand to a bank. The Full Submission Pack adds an information memorandum for deals that also go in front of investors or partners. If you are not sure, book a call and we will tell you straight.
No, but the two work well together. If we have already done the due diligence, the same analysis flows straight into the lender submission because the earnings case is already evidenced. If we have not, we build the model from the financials you give us.
Lodging and negotiating with lenders is finance broking, which is handled by The Lending Lab Pty Ltd, a separate business, with the referral relationship disclosed in writing. The documents we build here are yours to keep and you can take them to any broker or lender. If The Lending Lab also handles your application, fee discounts may apply. Broking minimum loan sizes are $500,000 with property security, or $1,000,000 without.