Walk into the bank with the numbers already answered.
Fee$3,000 to $8,000 plus GST (scoped)
$3,300 to $8,800 incl. GST
Timing3 to 4 weeks
ForGrowing businesses
“Can the business service the debt, and can we show a lender that clearly enough to get a yes?”
What it is
A complete, credible financial pack to support an application for expansion capital: a linked three-way forecast, documented assumptions, sensitivity analysis, and a narrative written for a credit assessor rather than for the business owner.
Three-way forecast (profit, cash, balance sheet), serviceability and covenant tests, and a lender narrative in the order a credit analyst reads it.
When clients call us
A business seeking a loan or facility increase for expansion, an equipment or premises purchase, an acquisition, or a business that has already been declined and does not understand why.
What you receive
Three-way financial model, unlocked and documented
Assumptions register
Scenario and sensitivity analysis with serviceability tested in each case
Supporting narrative document prepared for a lender audience
Client walkthrough session
What we’ll need from you
A one-page checklist comes with the engagement letter, with a private page to upload everything. The main items:
Financial statements, last three years, accountant prepared or audited
Most recent management accounts and year to date position
Aged receivables and payables listings
Existing debt schedule with terms, rates, security and covenants
Asset register and details of assets available as security
Details of the proposed expansion: cost, timing, funding sought
Quotes or contracts supporting the expansion cost
Not included
Does not include lender selection, introduction, negotiation or any recommendation of a credit product, because that is credit assistance and requires an Australian Credit Licence. Does not include preparation or audit of statutory accounts. Does not include the loan application itself. Does not guarantee any lending outcome. All forecasts are based on client supplied assumptions and are not a representation that results will be achieved.
What it can look like
Representative example
A Brisbane manufacturer with $9m turnover · Finance Ready Pack
A $1.2m equipment loan approved in three weeks
The owner needed a new production line to take on a large contract and had been told by the bank to come back with a forecast.
$1.2m loan + $250,000 overdraftFinance approved
1.6 timesDebt service cover (tightest year)
3 weeksTime to approval
Finance needed, $m
What the owner planned to ask for$1.2m
What the forecast showed was needed$1.45m
Up $0.25m
Where the gap was
The new contract's 60-day payment terms needed a $250,000 overdraft increase the owner had not asked for. Asking for both at once got approval in three weeks.
Insight
The three-way forecast showed the business could service the loan comfortably (debt service cover of 1.6 times in the tightest year), but only if the new contract's 60-day payment terms were financed with a modest overdraft increase that the owner had not asked for.
Advice
Ask for the equipment loan and a $250,000 overdraft increase together, and present the covenant tests and cash low point up front.
Opportunity
The contract taken on without a cash squeeze in its first six months, and a lender narrative that answered the credit analyst's questions before they were asked.
Results
Both facilities were approved three weeks after the pack went in, without a request for further information.
Representative example: a composite scenario with narrative-driven figures, showing the kind of result this work is designed to produce. It is not a specific client engagement and the outcome is not a guarantee. A full case study walk-through is available on request.
Common questions
How much does a finance-ready pack cost?
$3,000 to $8,000 plus GST ($3,300 to $8,800 including GST), depending on the size of the business and the facility, over three to four weeks.
What does a lender want to see?
A three-way forecast (profit, cash flow and balance sheet), evidence the business can service the debt, the covenant tests the lender will apply, and a clear explanation of the assumptions. The pack presents them in the order a credit analyst reads them.
Do you arrange the loan?
No. Wickham Advisory prepares the financial information; the lending decision and any credit products are between you and your lender or broker.
