Business services
Show lenders where your business is today.
Management-accountant-grade numbers for borrowing: finance reviews, projections, business plans and credit papers. No tax and no compliance, so we work alongside your accountant.
Your accurate position today, the right add-backs, forward projections, and a debt structure that fits.
Tax returns, BAS, bookkeeping, audit or financial product advice. Your accountant keeps all of that.
Five services
Every facility you hold, checked against how the business trades now.
Rates and fees against the market, structure and security, covenant headroom and maturity dates. You get a written report and a clear recommendation to keep, renegotiate or refinance.
Fixed fee after a scoping call
- Facility schedule and pricing benchmark
- Covenant headroom tested on current trading
- Refinance and restructure options, with lenders named
- Optional annual review so it stays current
Levelhead Partner
The funding side of a CFO, on call. For businesses that want their debt watched, planned and negotiated every month.
Tailored to your business · Quoted in writing- Banking relationship strategy: who you bank with, why, and when to test the market
- Covenant monitoring and reporting, with early warning before a breach
- Capital structure across the business and the owner
- A refinancing calendar: maturities, reviews, balloons and asset end-dates
- Funding reports for owners or the board
- A rolling cashflow forecast and quarterly facility review
- Preparation for an acquisition, premises purchase, expansion or sale
- Lender management on your behalf, from renewals to credit requests
Submission packs
Flat-priced, confirmed in writing before we start, and paid the same whatever the lender decides.
Rebuilding a declined submission is $950. All fees exclude GST.
Why capacity is often understated
The profit your bank assessed is conservative by design. It carries costs that won’t recur, owner expenses that belong as add-backs, and often reflects how the business traded a year or two ago.
We identify the add-backs a credit team will accept, and use projections from current trading so the lender sees where the business is today.
Three ways this gets done
| Feature | Levelhead | A residential broker | Your bank |
|---|---|---|---|
| Assessed on how you trade today | Yes, with projections from current trading | Usually last year's return | No, the last return lodged |
| Forecasts and credit paper built in-house | Yes | Usually asks your accountant | No |
| Add-backs identified upfront | Yes, each explained for the assessor | Passed through as supplied | Only the ones you raise |
| Lenders the deal can reach | 60+ banks, non-banks and private credit | Commercial is rarely their book | One, on one credit policy |
| Still there after settlement | Yes, reviews and Levelhead Partner | Until the next loan | At the annual review |
A general comparison of how the three channels are set up, not a statement about any particular bank, banker or broker.
How it works
- 1Book a callA short call with Nick about the deal. Bring whatever numbers you have.
- 2Fee confirmedThe right service and its fee in writing, within two business days of seeing the financials.
- 3The workOne information request. We identify the add-backs, project from current trading and build the file.
- 4Finance and follow-throughWe arrange the finance or hand the file to your lender, then stay on after settlement.
Questions
What does a business plan for a bank loan include?
The business, its market and management, how the funds will be used and how the loan will be repaid, tied to projections so the story and the numbers match. Ours are written from your real accounts, not a template.
How long does a cash flow forecast or credit paper take?
Forecasts and business plans usually take five business days, and credit papers three, from when we receive your information.
Will my bank accept your documents?
They are prepared the way credit teams assess a deal, and you can use them with our finance, your own banker or another broker. The lender always makes its own decision.
Do you replace my accountant?
No. We don't do tax, BAS, bookkeeping or audit. We work alongside your accountant on the numbers a lender needs to see.
Book a free call with Nick. Bring the numbers you have; you’ll leave with the right service and its fee in writing.