Business Advisory
The Documents That Get Deals Funded
Independent financial due diligence, serviceability models, lender-grade business plans, and rescue of declined submissions — at fixed, published fees, delivered by Andorra Advisory Group.
These services are provided by Andorra Advisory Group, a separate business. Engagements, pricing, and delivery are handled directly at andorrabusinessadvisory.com.au. On the finance side, applications — including commercial acquisition finance — are handled by The Lending Lab, a related broking business, while Andorra Private arranges development, construction, and private lending.
- Fixed fees published up front (ex GST)
- You deal directly with Nicholas
- 30 days of post-delivery support
- Independent — fees payable regardless of outcome
- Evidence only — every figure traced to source documents
- Delivery from 3 business days
Four Services. Fixed Fees. Published Turnarounds.
Every engagement is built the way a credit assessor reads a deal — and priced before it starts.
Financial Due Diligence
We test the numbers before you pay for them.
Independent pre-acquisition analysis that reconciles the vendor’s numbers against bank deposits, BAS lodgements, and general ledgers — so you see the real earnings before you commit. Findings are reported whether they support the deal or not.
Every engagement includes
- Written findings report with supporting workbook
- Revenue reconciled to BAS lodgements and bank deposits
- Add-back review and EBITDA normalisation
- Debrief call on the findings
- 30 days of post-delivery follow-up support
Fixed fees
from 3–5 business days
- Level 1 — Financial Verification$2,500–$6,0003–5 business days
- Level 2 — Scoped Due Diligence$4,500–$14,0002–3 weeks
- Level 3 — Full Earnings Analysis$11,000–$22,0003–5 weeks
Fixed fees by transaction value (ex GST)
| Transaction value | Level 1 | Level 2 | Level 3 |
|---|---|---|---|
| Under $1M | $2,500 | $4,500 | Not offered |
| $1M–$3M | $3,500 | $7,000 | $11,000 |
| $3M–$6M | $4,500 | $9,500 | $15,000 |
| $6M–$10M | $6,000 | $14,000 | $22,000 |
| Over $10M | Quoted | Quoted | Quoted |
Fees are payable 50% on engagement and 50% on report delivery, and are not contingent on settlement, finance approval, or what the analysis concludes.
Out-of-scope work at $295/hr, agreed first; +$1,500 per additional trading entity beyond two; +30% for expedited delivery; a second target within 90 days is priced at 75% of schedule.
Excludes property valuations, legal due diligence, formal business valuations, tax advice, and audit opinions.
Fees exclude GST and are set by Andorra Advisory Group.
Finance Documents
Built the way a credit assessor reads one.
Serviceability models, funding requests, and information memorandums built the way a credit assessor reads them — DSCR and ICR covenant testing, rate sensitivity grids, and lender query notes that answer the questions before they are asked.
Every engagement includes
- Sources and uses of funds, balanced to the facility
- Adjusted EBITDA build-up with evidenced adjustments
- Debt service with DSCR and ICR covenant testing
- Rate sensitivity grid and stress tests with verdicts
- Benchmark comparison against ATO industry figures
- Lender query notes anticipating credit-team questions
- Group and family-tree maps for multi-entity structures
- Client-editable inputs throughout
Fixed fees
from 4 business days
- The Model$1,8505 business days
- Bank-Ready PackMost popular$2,8507 business days
- Full Submission Pack$5,80012 business days
Single documents
- Funding request / lender summary$1,4504 business days
- Information memorandum$3,50010 business days
Recent engagement: a vet practice’s borrowing capacity rebuilt from $3.0m to $6.5m on evidenced adjustments.
Models support — they do not replace — accountant-prepared financial statements.
Fees exclude GST and are set by Andorra Advisory Group.
Business Plans & Forecasts
Lender-grade plans, not templates.
Lender-grade business plans and three-way forecasts — profit & loss, balance sheet, and cash flow that reconcile with traceable assumptions. Built for new and recently acquired businesses that need documentation lenders will rely on.
Every engagement includes
- P&L, balance sheet, and cash flow that reconcile
- Traceable assumptions a credit assessor can check
- Revenue broken down by stream from actual accounts
- Testing against ATO industry benchmarks
- Comparable business analysis
Fixed fees
from 5 business days
- Lender-grade Business Plan$3,50010 business days
- Three-Way Forecast (3 years)$2,4507 business days
- Plan + Forecast Bundlesave $750$5,20012 business days
- Annual Forecast Refreshexisting clients$8505 business days
Plans and forecasts are prepared for credit assessment alongside accountant-prepared financial statements — they are not statutory accounts.
Fees exclude GST and are set by Andorra Advisory Group.
Submission Rescue
Been declined? It is usually the case that failed. Not the deal.
Had a business loan declined? A diagnosis of exactly why the application failed, then a rebuilt earnings case with every adjustment evidenced from source documents — ready for resubmission.
What you get
- The failure point identified, in writing
- Rebuilt earnings case with every adjustment evidenced
- Restructured presentation ready for relodgement
How it runs
- 1Send through the declined submission and lender feedback
- 2The failure point is identified on day one
- 3A rebuilt, evidenced earnings case is delivered within 3 business days
Fixed fees
3 business days
- Submission Rescue$950 fixed3 business days
Fees exclude GST and are set by Andorra Advisory Group.
Evidence Only. No Exceptions.
Every model, forecast, and rebuilt earnings case is built from source documents — bank statements, BAS lodgements, general ledgers, and signed accounts. Figures are never invented, inflated, or massaged to get a deal approved. If the numbers do not support the transaction, that is said plainly — and because fees are fixed, they are never contingent on a favourable answer.
Andorra Advisory Group does not prepare financial statements. Its serviceability models, forecasts, and lender documents are decision-support and presentation documents that work alongside — never in place of — financial statements prepared by your accountant. Bookkeeping, BAS agent services, tax advice, and audit are outside scope.
How It Fits Together
The advisory work builds the evidence. The finance side places it.
Step 1
Get the deal packaged
Engage Andorra Advisory Group for due diligence, serviceability models, funding requests, or a lender-grade business plan — fixed fees, published up front.
Step 2
Bring the pack to the finance side
A properly evidenced earnings case and lender-ready documents mean the application starts from strength, not from a template — whoever lodges it.
Step 3
The finance is placed
Finance applications — including commercial acquisition finance — are handled by The Lending Lab, a related broking business. Development, construction, and private lending deals are arranged by Andorra Private. Nicholas works across both, so the handover is coordinated.
Frequently Asked Questions
Need the Finance Side Handled?
Once the deal is packaged, it goes to the right business: The Lending Lab for finance applications including acquisition finance, and Andorra Private for development, construction, and private lending. Start with a conversation and Nicholas will point the deal the right way.