Finance Health Check
The Best Time to Arrange Business Finance Is When You Don't Need It
Most businesses wait until they're desperate. Smart businesses plan ahead. Our complimentary Finance Health Check reviews your existing facilities, identifies savings, and positions you for better lending outcomes — before cash flow pressure forces expensive alternatives.
Businesses Seek Finance When Their Numbers Are at Their Worst
Declining revenue. Cash flow pressure. Urgent capital needs. This is when most businesses approach lenders — and it is exactly when lenders are most cautious. The result: limited options, higher rates, restrictive terms, and personal guarantees that compound the very problems driving the need for capital.
loan applications are declined when a business is under financial stress
higher interest rates when businesses apply from a position of weakness
in extra interest per year when non-bank rates apply instead of competitive bank rates (e.g. on a $500K facility)
The Opportunity
Banks want to lend to strong businesses. When your revenue is growing, cash flow is positive, and financials are current, lenders compete for your business. You get lower rates, higher limits, fewer covenants, and facilities that are already in place when conditions change.
What We Review
A comprehensive assessment of your business finance position covering six key areas.
Existing Facilities Audit
Are your current lenders competitive? Are you overpaying on rates, line fees, or charges? We benchmark every facility against current market.
Debt Structure Analysis
Do you have the right mix of secured and unsecured, term and revolving, fixed and variable? The wrong structure costs money and limits flexibility.
Cash Flow Headroom
How much buffer do you have before cash flow stress hits? We model your runway and identify where tighter management or new facilities would help.
LVR & Security Position
Are you maximising your borrowing capacity? We assess your security position to determine available headroom for additional facilities.
Lender Diversification
Too concentrated with one lender? What happens if they exit your industry or tighten policy? We identify concentration risk and build contingency.
Pre-Approval Positioning
What facilities could you establish now while your numbers are strong? Pre-approved facilities are available instantly when you need them.
What You Get
Every health check produces a clear, actionable output — not a generic report, but specific recommendations built around your business.
- Written summary of your current finance position
- Analysis of potential cost savings on existing facilities
- Recommended facility structure for resilience
- Pre-approval roadmap for facilities to establish now
- Ongoing review schedule
Who This Is For
- Businesses turning over $500K+ annually
- Owners who haven't reviewed finance facilities in 12+ months
- Businesses about to enter a growth phase or acquisition
- Owners who've been with the same bank for years without benchmarking
- Anyone who's been caught short on working capital before
What Our Clients Say
Real reviews from real clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
“It was an absolute pleasure to work with Nick Clunes who was efficient, had outstanding communication and provided a great service to his clients. I look forward to working with you again soon Nick.”
Ben Wrigley
Business Owner
“As a business owner, the paperwork requirements were more stringent and we encountered every conceivable delay with our documents. However, Nick was an absolute star throughout the entire process — incredibly supportive, always easy to reach, and responded promptly. Despite the challenges, everything on Nick's side went smoothly and he played a crucial role in helping us secure a great rate.”
Alena
Business Owner
“Nick operates with super professionalism, kindness, and highly capable tools to streamline the process. The result? Achieving something nearly impossible!”
2nd Half Life Journey
Debt Restructure & Commercial Purchase
Book Your Free Finance Health Check
No cost. No obligation. No impact on your credit file. Broker fees apply only if you choose to proceed with recommendations. Just a clear picture of where you stand and what opportunities exist.
Frequently Asked Questions
Related Resources
Ready to See Where You Stand?
Book your complimentary Finance Health Check and find out if your business finance is working as hard as you are.