Walk into the bank loan-ready.
We score your financials the way a lender will — liquidity, leverage, debt-service cover, loan-to-value — show you exactly where the gaps are, and assemble a complete financing package before you ever submit to BSP, Kina or Westpac.
See your application the way the bank will.
Readiness score 0–100
A weighted score across current and quick ratio, debt-to-equity, net margin, return on assets, DSCR and loan-to-value — each banded strong / adequate / weak against lender norms.
Debt-service cover
We amortise the proposed facility, add existing commitments, and test EBITDA cover — the single ratio that most often sinks an application.
Financing package
A documented checklist — financials, tax clearance, cash-flow forecast, security, business plan — tracked to 100% before anything goes to the lender.
Gaps closed first
Every weak metric comes with the reason and the fix, so the application that lands on the credit officer's desk is one they can say yes to.
From intake to submitted, nothing missed.
Client intake
Capture the business, the amount sought, the purpose and the facility terms. The application opens in the intake stage.
Score the financials
Enter the balance sheet and P&L figures. The engine scores readiness 0–100 against lender benchmarks and flags every weak ratio with its cause.
Assess & close gaps
Mark the application assessed, then work the gap list — restructure, recapitalise, or document — until the score supports the ask.
Build the package
Tick off the financing-package checklist. The application can't be marked package-ready until every required document is in.
Submit to the lender
With the package complete, submit to the chosen lender. The pipeline stage and submission date are recorded.