Financial analysis
Find what credit will find, before they do.
Revenue reconciled to BAS and bank deposits, and BAS lodgement checked on the ATO account. Add-backs on a lender's basis. Red flags listed with their sources, and serviceability worked out at a buffered rate.
Checks · Shah Hospitality
Recomputed as documents arrive
Each finding links to the pages it came from
Revenue check · FY26
Shah Hospitality
Revenue checked, BAS accounted for
P&L revenue against the BAS, the bank deposits and the ledger for each financial period. The ATO account shows which BAS were lodged and what's owed. A gap is flagged with the documents behind it, while there's still time to explain it.
- P&L revenue against BAS sales, bank deposits and the ledger, by period
- Each BAS checked as lodged on the ATO account
- BAS lodgement gaps over the last four quarters
- Figures in one document that disagree with another
2 flags to address
Lease term · aged debtors
Red flags, before the lender
The checks a credit analyst runs, run on every deal and recomputed as documents arrive. Dismiss what doesn't apply and it stays dismissed.
- ATO debt and payment plans, losses, falling revenue or margins
- Drawings, dividends or distributions above profit
- Trading under 12 months, a lease shorter than the loan, arrears on existing loans
- Debtors over 90 days and customer concentration
Add-backs · FY26
Lender's basis
Normalised EBITDA FY26 $106,400. Owner's wages stay in.
Add-backs on a lender's basis
Batonford reads the general ledger and proposes add-backs with their ledger lines: depreciation, interest, one-off repairs and personal spending. The owner's wages stay in, as a lender reads them. You accept each one.
- Proposed by rule and by AI, each linked to the lines behind it
- Accept, reduce or reject. Nothing counts until you accept it
- Normalised EBITDA by period, side by side
- Each document checked for signs it was edited after it was issued
Serviceability · FY26
Proposed $300,000 · 5 years P&I
Reference line 1.25x shown for you to judge
Serviceability, worked out
The debt schedule against each period's earnings: existing facilities, those being refinanced and the proposed loan, at the actual rate and a buffered one. The ratios are shown with reference lines. The judgement is yours.
- Debt service cover on EBITDA less tax and drawings
- Interest cover, debt to EBITDA and LVR
- A buffered rate you set and a sensitivity from 0 to 3 points
- Existing loan statements read onto the debt schedule
Also in Financial analysis
The analysis behind every paper.
Revenue checks
P&L against BAS, bank deposits and the ledger, with BAS lodgement from the ATO account.
Red flags
ATO debt, losses, drawings, lease term, arrears and debtors.
Ledger add-backs
Found at transaction level, on a lender's basis.
Serviceability
DSCR, interest cover, debt to EBITDA, LVR and sensitivity.
Integrity check
Signs a PDF was edited after it was issued.
Debt schedule
Existing, refinanced and proposed facilities in one place.
Before you ask
Questions about the analysis.
- Does it say whether the deal will be approved?
- No. It shows the ratios with reference lines and lists what a lender may question. Whether the deal suits a lender is your judgement.
- Can I change the buffer?
- Yes. The assessment buffer is set per deal, and the sensitivity shows each ratio up to three points higher.
- What if a check doesn't apply?
- Dismiss it with a reason. It stays dismissed, and checks that stop applying resolve themselves.
See it on one of your own deals.
A 20-minute demo. Bring a live deal or a recent credit paper.