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The National Finance Institute

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The National Finance Institute

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The National Finance Institute

BACKGROUND QUESTIONS:
How long has the business been trading?
Tell me about the business / industry
Who works for / in the business
What are their roles
Are they contracted / self-employed / permanent etc?
How involved are you in the day to day operations?
Client Base
What’s the spread of business?
Who is the current banker?
Business Plan
Can you show me and talk me through your short and long term goals.?
Business Loan 
Details of the private investor loan – do they have equity
LOAN PURPOSE
How will you use the funds?
Tell me about the trucks – new / used?
Why do you need them now > Do they have a contract for the use?
Make and model of the truck?
Any accessories or modifications?
Where will the truck be stored when not used?
When do you need the trucks / what is the timeframe?
FACILITY DETAILS
Have you spoken with your Accountant about what sort of loan structure you require?
What loan term do you require?
What residual is needed?
Are you looking to borrow 100% of the PP. How will you cover the costs?
Trade Ins?
SERVICING CAPACITY
Income expected from the loan that enables them to generate more income?
What changes to your income & expenses
Full tax returns full financial for all entities
BAS & Interims
Commitment schedule
Aged Creditor / debtor schedule
Tax portal 
Cash flow
SECURITY
Have you been asked for financial guarantees previously? If so did you get Legal Advice
RISK ASSESSMENT
Have you sourced insurance for the trucks? Can I see the insurance schedule?
Do you expect and changes to your business / industry that may affect your ability to repay the loan
Are there any KEY PEOPLE in the business?
Have you thought about succession planning?
Do you have any large outlays of cash?
Have you considered personal insurance / life insurance / income protection
Check out the business’ safety record?
IS THERE ANYTHING ELSE THAT I SHOULD KNOW???
Dr R& S
Thanks for allowing me to present a solution for your finance needs Id just kike to confirm the understanding of your requirements
Parties to the loan
Holding company Henman Holdings P/L ATF The Henman Discretionary Trust will be the borrower & will purchase the equipment which will be internally hired to Henman Transport P/L
Both ofyou are directors of both companies 
Security
The main security is going to be the trucks. Therefore, a charge will be over the purchased vehicles
Guarantees
Trading Company needs to provide a guarantee
Director’s Guarantee from Ray and Steve 
An alternative could be a GSA (Guaranteed Security Agreement)
Facility Details
MASTER FINANCE FACILITY TO BE RECOMMENDED as it has a facility with a limit of $500,000
Chattel Mortgage (with first facility $145,000
48 months
nil balloon
extra repayment to be applied from GST refund
PROPOSAL DOCUMENT to client
From my initial research your app is likely to fit with a few lenders however based on my experience with ANZ Bank I will submit the app to them
Client Responsibilities
I understand that you have sought advice from your accountant about this facility. I rec that you seek legal advice re the guarantees and also rec that you have your insurances reviewed to ensure that they are up to date and appropriate so that you interests are protected as well as can in relation to death, illness and sickness

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