How we handle bank finance & refinancing
Funding need
How much, for what, and for how long, based on the forecast.
Credit pack
Historicals, management accounts, three-way forecast, security position and business plan.
Covenant modelling
Interest cover, debt service cover and gearing under base and downside cases.
Lender process
Approach suitable lenders, compare term sheets and negotiate.
Ongoing reporting
Quarterly covenant certificates and lender updates, on time.
Run your numbers
Who leads the work
One of our Australian CPA partners owns your relationship, leads board and investor conversations, and signs off the advice that matters.
Experienced CFOs and analysts with Big Four and Fortune 500 backgrounds build your forecasts, reporting and models, working to Australian business hours.
Connects to your accounting software and watches cash, margin, debtors and KPIs every day. It answers questions 24/7 and flags risks before month-end.
Peter Varga, CPA
20+ years in finance and operational leadership at NAB, Telstra and AusNet. Works with clients across Australia, by video and in person by arrangement.
Pricing
Situation-specific work, such as a raise, sale preparation or turnaround, is usually scoped as a fixed-fee project, often alongside an ongoing CFO plan.
AI CFO Essentials
For owner-led businesses that need forward-looking numbers now.
- CFOAvatar AI CFO connected to your accounting software (Xero, MYOB, QuickBooks, NetSuite and others)
- Live dashboard: cash, margin, debtors, KPIs
- Rolling 13-week cash flow forecast
- Monthly CFO-reviewed management report
- Monthly review call with a senior CFO
- Ask CFOAvatar 24/7
Fractional CFO
A named CFO embedded in your business for set days each month.
- Everything in Essentials
- Budget, 3-way forecast and scenario models
- Board pack and attendance at board meetings
- Bank and lender reporting
- Pricing, margin and cost programs
- Australian CPA partner oversight
Strategic & Interim CFO
Capital raising, exit, turnaround or interim cover.
- Capital raising and investor data room
- Exit readiness and vendor due diligence
- Turnaround and ATO or lender negotiations
- Interim CFO cover during recruitment or leave
- Fixed fee or milestone pricing
Prices in AUD, exclusive of any applicable taxes. Start risk-free: if you're not satisfied in the first two weeks, you don't pay. No long lock-in contracts.
Frequently asked questions
What do banks look for in a loan application?
Serviceability (cash flow to repay), security, management quality and the credibility of the forecast. Late or inconsistent reporting is a red flag.
What is a covenant breach?
Failing a financial test in your loan agreement, such as interest cover. It can let the lender reprice or call the loan. Forecasting covenants avoids surprises.
Should I use equipment finance or a term loan?
It depends on the asset life, cash flow and security. Your CFO compares total cost and covenant impact.
Can you deal with the bank on my behalf?
We prepare and present the numbers with you, and support negotiations.