For brokers
We build the submission. You keep the deal.
You know when a deal services. The credit team only knows what the file shows them. We build the serviceability model and the supporting documents to the standard a credit assessor expects, at fixed fees your client can see up front, less a 25% referral discount. We do not arrange finance, so you keep the client and you keep the lodgement.
The problem we solve
The deal services. Does the file show it?
The file work does not scale.
Rebuilding a vendor P&L, evidencing add-backs and testing covenants takes days you do not have. Every hour you spend building a financial model is an hour you are not settling loans.
Acquisition credit is a different lane.
You write resi or asset finance all day, and a business acquisition lands on your desk. The serviceability case needs to be built from BAS lodgements, bank statements and the ledger, not keyed into a calculator. And you do not want to hand the client to another broker to get it done.
Declines stick to your record.
A deal presented badly gets declined on presentation, not merit. Every knock-back costs you time, standing with the credit team, and sometimes the client.
Why this comes from the credit side
Built by someone who has sat on your side of the file.
This is not a writing service. Nicholas has spent 8+ years in commercial and acquisition finance and arranged $200M+ across development, construction and private lending. The models and submissions here are built by someone who knows exactly what makes an assessor say yes, ask questions, or decline.
That experience is the product, not the competition. This firm arranges no credit, and clients who arrive through you stay yours.
$200M+
Arranged across development, construction and private lending
8+ years
In commercial and acquisition finance
Top 10
Broker recognition
Gold Club Elite 2025 · Multiple MFAA award nominations
Figures relate to finance arranged by Nicholas Clunes through his broking businesses, Andorra Private and The Lending Lab.
Three ways brokers use us
Workhorse, rescue, or referral
The complex-deal workhorse
You lodge the deal; we build the model and the documents behind it. Earnings rebuilt from source documents, debt structured, capacity demonstrated the way an assessor reads it. Your name on the submission, our workings underneath it.
The decline rescue
A deal knocked back on presentation is not a dead deal. We work out why it failed, rebuild the earnings case from source documents and restructure the presentation for the next lender. You re-lodge. If the deal genuinely does not service, we tell you before you burn another lender. $950, 3 business days.
The due diligence referral
Your client is buying a business and the vendor's numbers are doing the heavy lifting in your serviceability case. If those numbers are wrong, your deal is wrong. Refer the client for buyer-side due diligence and the verified earnings figure feeds straight into your submission. One set of numbers, source to settlement.
How it plays out
A broker sent us clients buying a carwash alongside the business they already ran. The path of least resistance was an expensive second mortgage repayable within 12 months. Our worksheet built the combined servicing case instead, and it passed every covenant with roughly $140,000 of surplus. The broker lodged the rebuilt file, and a major bank approved a facility just under $1m at a sharp rate over 15 years. The clients stayed with their broker. The full case study
And when the answer is no, it is a fast no. Another broker sent us a multi-entity family group; our consolidated workbook, family tree included, showed no servicing evident. The broker had the verdict within days, in a document they could put in front of the client, with the exact changes needed before the deal could get over the line. No lodgement burned, no weeks lost.
Details anonymised and figures materially altered. Outcomes depend on individual circumstances and lender criteria.
How it works
Four steps, and the client stays yours
1
Send the deal
Bring a live deal or a recent decline. Email the financials or book a call with Nicholas. You get a straight read on whether we can add anything, free.
2
We scope it
Your client gets a fixed fee in writing within two business days. Fees come off the standard schedule on our pricing page, less the 25% referral discount.
3
Your client engages us
The engagement and the terms sit with your client. With their consent, you see everything we see.
4
You lodge
Documents delivered with a walkthrough call, so you can defend every number in the file. Then 30 days of follow-up support, including help responding to credit's questions after lodgement.
Products and fees
One schedule, less 25% for referred clients
One schedule, on the site, the same for everyone. Clients referred by a mortgage or finance broker, a business broker or an accountant get 25% off, because professional files arrive with the records the work needs.
What a broker-referred client typically buys
| Product | Fee | Turnaround |
|---|---|---|
| The Model: serviceability model (lender worksheet) | $1,850 | 5 business days |
| Information memorandum, for larger or more complex facilities | $3,500 | 10 business days |
| Submission Rescue, for declined files | $950 | 3 business days |
The Model: serviceability model (lender worksheet)
- Fee
- $1,850
- Turnaround
- 5 business days
Information memorandum, for larger or more complex facilities
- Fee
- $3,500
- Turnaround
- 10 business days
Submission Rescue, for declined files
- Fee
- $950
- Turnaround
- 3 business days
All fees exclude GST. The 25% referral discount is applied at scoping and runs across the full schedule, including financial due diligence. It assumes the standard information request is met.
You will not find the funding request here. The written submission is your job, so we only write the funding request and lender summary when The Lending Lab is arranging the finance. When you are lodging, the case is yours; we build the numbers underneath it.
The consolidated fee schedule, including due diligence, is on the pricing page.
The conflict question, answered up front
We are never competing for the lodgement.
Yes, a related entity, The Lending Lab Pty Ltd, is a broking business. Here is how that stays clean for partner brokers. Andorra Advisory Group does not arrange credit and is not a credit representative. On broker-referred work, your client is your client: we do not pitch, cross-sell or accept finance mandates on deals referred by a partner broker. Finance applications only reach The Lending Lab when a client comes to us without a broker and asks for one, and that relationship is disclosed in writing.
Our advisory fee is fixed and payable regardless of whether finance is approved or the deal proceeds, so we hold no stake in the outcome of your submission. And the incentives point the right way: we win when partner brokers send us their next deal. Poaching one client would cost us the channel. That commitment is written into our terms of engagement.
Referrers
Accountants and business brokers, this works for you too
Accountants: refer the transaction, keep the client
We do not do compliance. Ever. No tax, no BAS agent services, no bookkeeping, no audit, no financial statements. Your client comes to us for the transaction and comes back to you for everything else, including the structure, registrations and onboarding work the acquisition creates. Tax and structuring questions are flagged back to you in a clean handover note, and you are welcome on the debrief call.
Every other due diligence referral you could make is a competitor. We are the one that isn't. More for accountants
Business brokers: fewer sales dying at finance
A sale that dies at finance is weeks of your work gone. Buyers who reach the bank with a tested earnings case and a lender-ready file settle more often. Point them at us early. The fee is fixed and paid by the buyer, and the analysis is independent, so we say what the evidence supports and nothing else.
A tested deal is a deal that settles. More for business brokers
Referred by a mortgage or finance broker, a business broker or an accountant? A 25% referral discount applies to our fixed fees. Files that come through these professionals arrive with the records the work needs, and the fee reflects that. The discount assumes the standard information request is met.
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
Your client. The engagement, the terms and the fee sit with the borrower, which keeps your file clean and our independence intact. You are noted as the client's broker and, with their written consent, you receive everything we deliver and can join the debrief call.
The schedule is the same for everyone and it is on the site. Clients referred by a mortgage or finance broker, a business broker or an accountant receive a 25% discount on the fixed fees. Files that come through these professionals arrive with the records the work needs, and the fee reflects that. The discount assumes the standard information request is met.
No. We do not arrange credit and we are not a credit representative. The documents belong to your client and are built to be lodged through you with any lender. Where a client comes to us with no broker and asks for the application to be handled, that work goes to The Lending Lab Pty Ltd, a separate broking business, and the relationship is disclosed in writing. Clients introduced by a broker stay with that broker.
We can evidence it properly, which is usually what a marginal file is missing. What we will not do is massage the numbers. Every figure we present is supported by source documents, and if the deal does not service we say so. The fee is the same whichever way the analysis lands. That discipline is why a file with our name on it gets a fair reading.
For scoping, the target's last three years of financial statements and the contract if there is one. We confirm the right pack and the fixed fee in writing within two business days, at no charge. On engagement we issue the standard information request: BAS lodgements, bank statements, general ledger, payroll and leases.
Submission Rescue is $950 with a three business day turnaround, from receiving the file and the decline reasons. We work out why it failed, rebuild the earnings case from evidence and restructure the presentation for the next lender.
No. We do not provide tax advice, BAS agent services, bookkeeping, audit or financial statement preparation. Anything with tax or structuring implications is flagged in a clean handover note for the client's accountant. The transaction work sits with us, and the compliance work stays exactly where it was.
Bring a live deal or a recent decline. One call with Nicholas gets you a straight read on whether we can add anything.
Book a call