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Deal Triage™ Tool

Answer 13 questions. Get a traffic-light assessment of your deal — the same framework banks use internally.

Gate Check
Before We Start

These must pass before anything else matters. If either is No, the deal stops here.

Is the borrower's credit history clean? (No defaults, judgments, Part IX, bankruptcy)
✅ Yes
❌ No
Is their ATO/tax position current? (Up to date or on a payment plan)
✅ Yes
❌ No
Pillar 1 of 4
The Borrower
Borrower structure?
Sole Trader
Partnership
Company
Trust
SMSF
Personal guarantor involved?
Yes
No
Borrower's industry experience?
Expert
10+ years
Experienced
3-10 years
Some
1-3 years
None
New to this
Existing relationship with a lender?
Yes
No
Pillar 2 of 4
The Purpose
What's the purpose of this deal?
Purchase
Owner-occupied
Purchase
Investment
Refinance
Construction
Equity Release
Business Expansion
Does this deal make commercial sense?
💪 Strong
👍 Reasonable
🤔 Questionable
👎 Doesn't stack up
Pillar 3 of 4
The Repayment
Primary repayment source?
💼 Business Income
🏢 Rental Income
💰 PAYG Income
🔄 Mixed
Can they service at assessment/buffer rate (+2–3%)?
Yes, comfortably
Tight but works
Unlikely
Don't know
Exit strategy clarity?
🎯 Clear
🤷 Rough idea
❌ No clear exit
Pillar 4 of 4
The Security
Property type?
🏢 Commercial
🏭 Industrial
🏪 Retail
🏗️ Mixed-use
⚙️ Specialised
🌾 Rural
Location?
🏙️ Metro CBD
🏘️ Metro Suburban
🌳 Regional
🌾 Rural
Estimated LVR range?
<60%
60–70%
70–75%
>75%
Additional security available? (Residential property, cash, other assets)
Yes
No
Results
Your Deal Assessment
🟢
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