Business Advisory
The Numbers That Get Deals Funded
Credit papers, business plans, cashflow forecasts and finance reviews, set out the way a lender reads them. Delivered by Levelhead Business Advisors, formerly Andorra Advisory Group.
These services are provided by Levelhead Business Advisors (formerly Andorra Advisory Group), a separate business. Engagements, fees and delivery are handled directly at levelheadadvisory.com.au. Levelhead arranges business finance through The Lending Lab, while Andorra Private arranges development, construction and private lending.
- Fees confirmed in writing before work starts (ex GST)
- Paid the same whatever the lender decides
- You deal directly with Nicholas
- Works alongside your accountant
- Delivery from 3 business days
Five Services. Fees Agreed Up Front.
Your numbers, set out the way a credit team reads them, and priced in writing before work starts.
Financial Due Diligence
Test the numbers before you pay for them.
Buying a business? Levelhead introduces buyers to Kate Groom, a business adviser and franchise specialist, for independent financial due diligence on the vendor’s numbers. Levelhead arranges the acquisition finance alongside, so the findings and the lending case line up.
Every engagement includes
- Vendor earnings tested against the source records
- Add-backs reviewed before they reach a lender
- Findings that feed straight into the finance application
- Acquisition finance arranged by Levelhead
How it works
scoped per deal
- Due diligencequoted directlyKate Groom
- Acquisition financeLevelhead
Kate Groom engages and invoices clients directly. Levelhead receives no referral fee or other benefit for the introduction.
Due diligence fees are set by Kate Groom.
Credit Papers & Lender Submissions
The file a credit team expects, ready to lodge.
Serviceability model, funding request and information memorandum, with every add-back explained the way an assessor needs to see it. Use it with Levelhead’s finance, or hand it to your own banker or broker.
Every engagement includes
- Serviceability tested at the assessment rate
- Add-backs identified and supported
- Covenants in the offer tested before you sign
- Funding request and information memorandum
Fixed fees
from 3 business days
- Single credit paperFrom $8503 business days
- The Model$1,8505 business days
- Bank-Ready PackMost popular$2,8507 business days
- Full Submission Pack$5,80012 business days
The Model tests whether the deal services. The Bank-Ready Pack adds the written case. The Full Submission Pack covers everything a lender, investor or partner needs.
Fees exclude GST and are set by Levelhead Business Advisors.
Business Plans & Cashflow Forecasts
The plan a lender actually asks for, tied to the numbers.
Business plans written from your real accounts, not a template, and three-way forecasts built on current trading with best, mid and worst cases a credit team can test. The story and the numbers match.
Every engagement includes
- Profit and loss, balance sheet and cashflow, linked
- Monthly projections from your latest management accounts
- Use of funds and the repayment case
- Risks named, with how they are managed
Fixed fees
5 business days
- Business planFrom $8505 business days
- Cashflow forecast & projectionsFrom $8505 business days
Fees exclude GST and are set by Levelhead Business Advisors.
Finance Review & Debt Capacity
How much the business can carry, before you commit.
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. Capacity is stress-tested against softer trading, with a clear recommendation to keep, renegotiate or refinance.
Every engagement includes
- Facility schedule and pricing benchmark
- Covenant headroom tested on current trading
- Debt capacity assessment with stress tests
- Refinance and restructure options
Fees
quoted in writing
- Business finance reviewafter a scoping callFixed fee
- Debt capacity & covenant adviceafter a scoping callFixed fee
Fees exclude GST and are set by Levelhead Business Advisors.
Declined Submission Rebuild
Usually it is the case that failed, not the deal.
Had a business loan declined? The submission is diagnosed, the failure point identified, and the earnings case rebuilt with every adjustment supported, ready to go back to a lender.
What you get
- The failure point identified, in writing
- Earnings case rebuilt with every adjustment supported
- Restructured presentation ready to relodge
How it runs
- 1Send through the declined submission and lender feedback
- 2The failure point is identified first
- 3A rebuilt earnings case is delivered within 3 business days
Fixed fee
3 business days
- Declined submission rebuild$9503 business days
Fees exclude GST and are set by Levelhead Business Advisors.
Your Accountant Keeps the Compliance
Every model, forecast and credit paper is built from your real accounts and records. Add-backs are explained and supported, never inflated to get a deal approved. If the numbers do not support the borrowing, that is said plainly, and because fees are agreed up front they never depend on a favourable answer.
Levelhead Business Advisors does not do tax returns, BAS, bookkeeping, audit or financial product advice. Its forecasts, plans and lender documents work alongside, never in place of, the financial statements prepared by your accountant.
How It Fits Together
The numbers come first. Then the finance is placed with the right lender.
Step 1
Get the numbers right
Levelhead Business Advisors prepares the credit paper, forecast or business plan from your real accounts, at a fee confirmed in writing before work starts.
Step 2
Take it to a lender
Levelhead arranges business finance through The Lending Lab, or you can hand the file to your own banker or broker. Either way the application starts from strength.
Step 3
Property and private credit here
Development, construction and private lending stay with Andorra Private. Nicholas works across both businesses, so a deal that needs both is coordinated.
Frequently Asked Questions
Development or Private Credit?
Business finance and advisory sit with Levelhead Business Advisors. Development, construction and private lending stay here with Andorra Private. Start with a conversation and Nicholas will point the deal the right way.