Krishna Neelamraju spent 20 years on the lender side deciding which applications got approved and why. These guides explain what lenders actually look for, written in plain language for the business owner who wants to understand the game before they play it.
From 1 July 2026, super must be paid on every payday. Not quarterly. Businesses on a 90-day super cycle will face a structural cash gap overnight. Use this calculator to model your specific exposure and understand the size of the buffer you need before the deadline becomes a crisis.
Open the Calculator →Accountants, bookkeepers, payroll providers, and business advisors. If your clients face working capital challenges, Krishna provides the finance solution while you retain the relationship. Access the Payday Super Calculator in partner mode to generate client-ready reports.
View Partner Program →Written from the perspective of someone who spent two decades on the approval side. Not what lenders say they look for. What they actually look for.
How lenders calculate your ability to service proposed debt. EBITDA adjustments, add-backs, existing obligations. Most businesses get this wrong and lose borrowing capacity they did not know they had.
Read Guide →Your banking conduct, dishonours, overdraft usage, ATO payment history, often matters more to a lender than your credit score. This guide explains what they look for and how to address issues before they surface in assessment.
Read Guide →What lenders count as security, at what LVR, and how to structure your security position to support approval without exposing personal assets unnecessarily. The difference between cross-collateralising and ring-fencing matters.
Read Guide →Your accountant reads your financials to minimise tax. A lender reads them to assess risk. Understanding that gap is one of the most valuable things you can do before submitting an application.
Read Guide →The seven most common reasons applications go to committee or come back with conditions. Most delays are avoidable. They are caused by the same handful of predictable issues every time.
Read Guide →Exactly what lenders need, how they want it, and what commonly goes missing. A complete, well-organised document pack is one of the highest-leverage inputs in any finance application. It costs nothing to get right.
Read Guide →These guides explain the principles. A free finance assessment applies those principles to your specific business and gives you an honest view of your approval likelihood, the right facility structure, and which lenders make sense for your deal.