Home › Consultancy
Consultancy
By the time you need a loan, the expensive decisions are already made.
Three paid advisory engagements — buying a business, buying your premises, developing property. We work on the deal itself: the price, the structure, the feasibility. Usually before a lender sees anything.
Advisory that is free is advisory that is selling something else.
30 minutes with Priyank. He will tell you whether the consultancy earns its fee on your deal, or whether you just need the finance.
Start here
Three engagements. One question each.
If you already know which one you need, jump to it. If you are not sure, the middle column is the fastest way to tell.
| Engagement | You are deciding | You end up with |
|---|---|---|
| Buying a business | Whether to buy this business, and at what price | A price you can defend, and a file already built to fund |
| Buying your freehold | Whether to own the premises you rent, and how to hold it | An ownership structure that survives the next twenty years, not just this purchase |
| Developing property | Whether the project stacks, and how to capitalise it | A go or no-go you can act on, with the funding path already mapped |
All three are quoted individually and paid from day one. All three are available whether or not you use us for the finance. We work on transactions from $400,000 to $10 million+.
Engagement one
Buying a business.
A business is priced by what the seller hopes it is worth. It is funded by what the earnings can actually carry. Those are two different numbers, and the gap between them is the single largest sum of money in most acquisitions — larger than the interest rate, larger than the fees, larger than anything a broker can negotiate afterwards.
We read the seller’s numbers the way a commercial credit assessor will read them, because that is the desk Priyank sat at. Add-backs that will not survive scrutiny. Owner labour that is not in the wage line. Revenue concentrated in one contract. Then we test the asking price against what is left, and rebuild the offer before a lender is approached.
What the engagement covers
- Financial due diligence on the seller’s figures, written the way a credit committee reads them
- Valuation sanity check against earnings, industry benchmarks and comparable sale evidence
- Negotiation position and price strategy, prepared before you make an offer
- Ownership and tax structure set before contracts, not after
- The funding path mapped, so the price you agree is a price that can settle
Case · automotive workshop
An automotive workshop was under contract at the seller’s asking price. We rebuilt the earnings picture, found what the price was actually supported by, and the buyer went back with a position rather than an opinion. The renegotiated price was agreed before any lender saw a file — which also meant the deal was funded against a number the valuer could stand behind.
Client and business not named at their request. Figures for this engagement are being confirmed with the client before publication.
Outcomes depend on the individual business, its financial records and the seller’s position. Not every price is negotiable, and we will tell you when it is not.
Engagement two
Buying your freehold.
Most business owners buy their premises the same year they can finally afford the deposit. That is the wrong trigger. The right one is the year the structure, the security position and the sequence can be set up properly — because the ownership decision you make at settlement is the one you live with for twenty years and cannot cheaply undo.
The questions are rarely about the rate. Which entity holds it. Whether it belongs in your super fund. Whether the business pays rent to you and what that does to your tax and your serviceability. What happens to it when you sell the business but keep the building. We answer those first, then arrange the funding to fit the answer.
What the engagement covers
- Rent-versus-own modelled on your actual lease, not a generic calculator
- Ownership structure — company, trust, SMSF or personal — chosen before contracts
- Security position across your existing property and business assets
- Settlement sequencing where more than one transaction has to land in order
- Exit consequences modelled now, not discovered later
Case · Simarpreet, mechanical workshop
$200,000 came off the purchase price before any lender saw the file. The trust structure was set up before contracts rather than after, his home loan was refinanced to release the equity, and his home and his workshop settled ten days apart in the right order. The bank’s approval fee was argued down from $6,143 to $600.
Client-reported figures from Simarpreet’s Google review, quoted with permission. Read the full story →
Outcomes depend on your lease, your security position, lender criteria and eligibility. Structure decisions have tax consequences and we work alongside your accountant, not instead of them.
Engagement three
Developing property.
Every consultant has a spreadsheet. Very few have a completed project. Priyank has run multiple townhouse developments, subdivisions and rooming house projects on his own account, and still does — which means the feasibility you get back has been pressure-tested against what actually happens at progress-payment time, not just what the model says should.
Rooming house and co-living projects sit inside this engagement rather than beside it, because the thing that decides whether they work is the Victorian licensing and land tax position, and that is a feasibility question long before it is a funding question.
What the engagement covers
- Feasibility run properly — acquisition, construction, contingency, holding costs, GST and margin scheme, exit assumptions
- Sensitivity analysis across delay and softer-market scenarios
- Capital strategy: what to fund with debt, what needs equity, and where a JV earns its dilution
- Structure set before you commit to the site
- Rooming house and co-living viability, including licensing and land tax position
Scope, engagement levels, what a real feasibility has to answer, and who this is deliberately not for.
What it costs
Quoted before you decide. Always.
Consultancy engagements are quoted individually, usually as a choice of engagement levels rather than a single price, because the right scope depends on how much of the work you want to carry yourself.
Everything up to and including your Action Plan meeting is free — the first call, the document review, the financial position we build for you, and thirty minutes with Priyank. If the consultancy is not worth its fee on your deal, that meeting is where we say so.
Straight answers
Fair questions.
What is the difference between your consultancy and your finance work?
The finance work arranges the funding. The consultancy works on the deal itself — the price, the structure, the feasibility — usually before a lender is involved at all. Most of the money in a transaction is made or lost at that stage, not at the interest rate.
Do I have to use you for the finance as well?
No. The consultancy is a separate engagement and you are free to take the work anywhere. Most clients do use us for the funding, which is a result rather than a condition.
What does a consultancy engagement cost?
It is quoted individually, usually as a choice of engagement levels rather than a single price, because the right scope depends on how much of the work you want to carry yourself. It is paid from day one. See what it costs.
Why do you charge for advice when the broking advice is free?
Because free advice from someone paid only if you borrow has a direction built into it. Charging for the consultancy is what makes “do not buy this” an answer we can afford to give you.
Is there a minimum size?
We work on transactions from $400,000 to $10 million+. Below $400,000, the structuring work rarely earns its fee and a straightforward broker or lender will usually get you there faster. We will tell you if that is your situation.
Can you help before I have signed anything?
That is the best time to talk. Once a contract is signed at a price, most of the levers we would use are already gone.
Bring us the deal before it is a loan.
Thirty minutes with Priyank. We will tell you whether the consultancy earns its fee on your transaction, or whether you only need the funding — and we will say so either way.
No application. No lender sees anything until you say so.