Working Capital
Overdrafts and lines of credit sized to your actual trading cycle.
Services / Business Lending
Business Lending.
Capital to do something specific. Here is exactly what happens, what it is worth, and what it costs.
Who this is for
Owners who need capital to do something specific.
Working capital to carry a growth phase, funding an acquisition, buying out a partner, restructuring debt that was put together years ago and never revisited, or replacing a facility with a bank that has quietly changed its appetite.
Business lending sits outside the consumer credit rules, which means lenders have far more discretion. That cuts both ways. There is more room to structure a deal well, and more room to be knocked back for reasons nobody explains to you.
Acquisition & Buy-out
Buying a competitor, a second site, or a departing partner’s share.
Debt Restructure
Facilities set up years ago and never revisited, brought back into shape.
Covenant Relief
Lenders whose reporting and covenant terms suit how you actually operate.
Phase 1
The complimentary strategic assessment.
Five stages of specialist work, done before you have paid anything and before anyone has touched your credit file.
We sit down, at your business
A conversation about what you are trying to do, the timing, and the money it needs. My preference is to come to you and see the operation rather than do it over the phone.
What this means for you: you are talking to someone who spent 24 years inside the big four deciding whether businesses like yours got approved. I know what the credit team is going to ask before they ask it.
I collect and organise your numbers
Financials, tax returns, ATO integrated client account, aged debtors and creditors, BAS, existing facility schedules and any covenant reporting. I tell you exactly what is needed and put it into the shape a credit team expects.
What this means for you: you gather it once, in the right format. No sending the same document three times because nobody told you what they actually wanted.
I work out what the business can actually carry
Serviceability and cashflow analysis. Normalising earnings, working through add-backs, testing the debt against realistic trading rather than an optimistic forecast, and checking it against the covenants a lender will want to impose.
What this means for you: the honest answer on capacity, before you commit to anything. If the number does not support what you are planning, you find out from me first, not from a declined application.
I pre-assess and structure the deal
Facility mix, security, entity structure, term, amortisation and covenant positioning, built so the deal is approval-ready before it goes near a lender.
What this means for you: the structure is the part that decides whether this is a good deal in three years, not just an approved one this month. Getting the facility type wrong is expensive and hard to unwind.
I test your position against lender credit appetite
I take the structured deal and test it against current credit appetite, policy and pricing across my panel of business lenders, including non-bank and private capital.
What this means for you: you get an indicative outcome. A straight answer on whether this works, roughly what it looks like, and what it would take to get there. Given before you have spent a dollar.
You choose to continue from here.
Everything to this point has cost you nothing, and you leave knowing where you stand: an indicative outcome, in plain language, based on your actual numbers.
When you are ready to move, Phase 2 is where I go to work for you.
Phase 2
Formal engagement and mandate.
A one off engagement and mandate fee of $1,800 plus GST applies, payable when you engage me to act for you.
I gather what is left and deal with your advisers
The remaining information, and direct liaison with your accountant and solicitor. Trust deeds, entity searches, tax position, contracts and any vendor documentation.
What this means for you: you stop being the messenger between three parties who all need something slightly different.
I build and lodge the submission
A complete, lender-ready application package with a written supporting narrative covering the business, the market it operates in, the risk and the mitigants, in the language a credit team uses.
What this means for you: the credit assessor reads a case rather than a pile of attachments. Most business deals that stall, stall because nobody explained the business.
I negotiate and manage it through credit
Negotiation on terms, pricing and covenants, then managing the application through credit and compliance and every condition precedent through to unconditional.
What this means for you: covenants are where business facilities go wrong later. This is the point at which they are negotiable, and the point at which most people do not realise they are.
I see it through settlement, and then I stay
Documentation, signing, drawdown and settlement coordination. After that I remain your finance contact: annual reviews, a rate check when it is worth doing, and support for the next stage.
What this means for you: the relationship does not end when the money lands. Once you have settled a deal with me, ongoing strategic credit counsel carries no charge.
What it all adds up to
Thirty-five hours of specialist work.
| Inclusions | Typical hours | Value | You pay |
|---|---|---|---|
| Discovery conversation at your business | 3 | $750 | $0 |
| Financial data collection and collation | 2 | $500 | $0 |
| Serviceability, earnings normalisation and cashflow analysis | 3 | $750 | $0 |
| Credit structuring and pre-assessment | 4 | $1,000 | $0 |
| Testing your position against lender credit appetite | 2 | $500 | $0 |
| Phase 1 subtotal | 14 | $3,500 | $0 |
| You choose to continue from here | |||
| Remaining information, accountant and solicitor liaison | 4 | $1,000 | $0 |
| Submission preparation and lodgement | 7 | $1,750 | $0 |
| Negotiation, credit management and conditions precedent | 6 | $1,500 | $0 |
| Settlement and ongoing relationship | 4 | $1,000 | $0 |
| Phase 2 subtotal | 21 | $5,250 | $1,800 + GST |
| Total | 35 | $8,750 | $1,980 inc GST |
Values reflect typical market rates for comparable specialist advisory and structuring work, calculated at $250 per hour. They are not fees charged to you.
Hours are typical, not fixed. Some engagements run under and some run well over, depending on your circumstances and how the information arrives. The fee does not change either way.
What you pay
One fee, disclosed up front.
Why it works this way: it means I am paid to get the structure right the first time and to stay in your corner for the long term, not to close a transaction and move on.
Once you have settled a deal with me, that engagement fee generally does not apply again. Annual reviews, rate benchmarking and strategic credit counsel carry no charge for as long as you are a client.
Business lending
$1,800 + GST
$1,980 including GST. One off, non-recurring, and the same regardless of how much you are borrowing.
After settlement, I am paid a commission by your lender, not by you. There is no further cost to you for the life of the loan.
The fee covers credit assistance and structuring. It does not guarantee that a lender will approve your application.
Book a Time with AdrianIn depth
Specialist topics we cover.
Hover or tap a card to read more.
Sophisticated Funding for Growth
Hover / tap to learn moreMore than a bank loan, strategic capital structured for your business. Stretch senior debt, mezzanine layers, equity-light expansions.
Talk to us →Commercial Investment & Property
Hover / tap to learn moreMaximise your LVR, preserve your working cash. WALE-driven structures with tenant-strength weighted pricing.
Talk to us →Development & Construction Finance
Hover / tap to learn moreFrom ground-break to completion, including project rescues. Progress-claim drawdowns, contingency layers, takeout finance.
Talk to us →SMSF Commercial Lending
Hover / tap to learn moreYour business pays rent to your super fund. Limited Recourse Borrowing structures, tax-effective, generationally sound.
Talk to us →Trade Finance
Hover / tap to learn moreFluidity in the global supply chain. Letters of credit, debtor finance, and bridging structures for import-reliant businesses.
Talk to us →Health, Medico & Professional Services
Hover / tap to learn moreTailored finance for professional practices. High-LVR specialist lending available to medico and accredited professionals.
Talk to us →Common questions
Before you book.
Does the assessment cost me anything?
No. Everything up to and including the indicative outcome is complimentary. If you decide to proceed afterwards, a one-off engagement and mandate fee of $1,800 plus GST applies, disclosed in writing before you commit to anything. It is the same fee regardless of how much you are borrowing. After settlement, I am paid a commission by your lender, not by you.
Will this affect my credit file?
No. Talking to me and having your position assessed does not touch your credit file. A credit enquiry is only lodged when you decide to submit an actual application, and I ask you before that happens.
My bank has already said no. Is it worth talking?
Often yes. One bank applying one credit policy gives you one answer. Business lending sits outside the consumer credit rules, so lenders have wide discretion and their appetites differ sharply by industry and facility type.
My books are a mess. Is that a problem?
I have heard that a hundred times and it is rarely as bad as people think. Business financials look untidy to their owners and perfectly normal to someone who reads them for a living. Bring what you have and we will work out what is missing.
What about the covenants on my existing facility?
Bring them. Covenants are one of the most common reasons a business ends up refinancing, and they are far more negotiable at the point of setting a facility up than most people realise.
Why is there a fee at all when other brokers do not charge one?
A business engagement is around 35 hours of specialist assessment, structuring and negotiation, and that work happens whether or not a lender says yes. The fee covers it. It also means I am paid to get the structure right rather than to close a transaction, which is a different incentive.
What if I change my mind after engaging you?
The engagement fee is retained once work has commenced, because the work has been done. That is why everything up to the indicative outcome is complimentary: you can see where you stand and walk away at no cost, before any of it applies.
Do you work outside the Sunraysia region?
Yes. I am based in Mildura, Victoria and travel a wide radius around the Sunraysia region. Clients further afield are looked after by video, phone and email, with the same process throughout.
★★★★★
Adrian was fantastic in our appointment, making sure I understood all options, with high attention to detail. Super friendly and easy to talk to. High quality of professionalism. Highly recommend him for anyone wanting more knowledge or looking to get their future started.
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Individual results vary. Your outcome depends on your circumstances and lender assessment.
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