SME Business & Finance Advisory
For Australian SMEs working through a financing, market-entry or expansion question.
Scope
Engagements cover one of three questions: whether to enter a new market, whether the business can support proposed debt, or what a founder exit involves. The deliverable is a feasibility note covering the market, the numbers under realistic and stress scenarios, and the assumptions the deal depends on.
The firm does not arrange the loan, take equity, or act as a broker.
What is included
- Market or competitor landscape
- Stress-testing the financing option against realistic revenue ranges
- A list of the assumptions the deal depends on
- Introductions, if needed, to accountants or financiers we have worked with before
Common questions about SME finance
Do you arrange the loan or act as a broker?
No. We do not arrange finance, take brokerage commissions, or take equity. We produce the feasibility research and the plain-English numbers that let you walk into a lender conversation well prepared. Where a broker or financier is genuinely needed, we introduce you.
Can you help us decide whether we should take on debt at all?
Yes. We stress-test the proposed financing against realistic revenue ranges and stress scenarios, and write down the assumptions the deal depends on. The conclusion can legitimately be that the debt is affordable, that it should be smaller, or that it should wait. We give you the analysis, not a sales outcome.
What information do you need from us to start?
Typically two to three years of management accounts, the term sheet or offer being considered, and a short note on what the funding is for. We will tell you if we need more after the first read. You do not need a formal data room; a working set of numbers is enough.
Do you take equity or board seats?
No. We are research and advisory only. We do not invest in the businesses we advise, and we do not sit on boards. That separation is deliberate: it means our feasibility view is not tilted by an ownership stake.
How much does a feasibility review cost?
Every engagement is scoped and quoted in writing before work begins, so you know the fixed fee up front. The quote depends on how many revenue scenarios and stress tests you want modelled. There is no hourly billing and no success fee.
Ask about SME Finance Advisory
Tell us a little about your situation. We reply within one business day, and the first conversation is an opportunity to decide whether a scoped engagement makes sense.