CreditSheet

CreditSheetQuick Credit Assessment

Basic

Facility

Servicing

Security

Tenants

Risk

Transaction Type

Acquisition Refinance Construction Working Capital Equipment Other

Entity(ies)

List all related entities: borrowing entities, individual guarantors, corporate guarantors

Target Lender

Facility Structure

Group facilities by borrowing entity. Select the borrower first, then add facilities.

Servicing (Per Entity)

💡 Indicative servicing calculator will be integrated in future updates. External calculator results can be linked.

Household Financial Position

Include Household A/L Analysis?

Yes No

Overall Position (Optional - if calculated externally)

Surplus $

ICR

DSCR

Security Properties

Security Structure Proposal

How should securities be linked to the facilities?

Describe whether securities should be individually secured to specific facilities or cross-collateralised across the borrowing group.

Additional Security Structure

1st Ranking Mortgage 2nd Ranking Mortgage GSA Offered Cross-Collateral

Guarantees Offered

Tenant Schedule

📋 Only complete if security is a leased property. Future update will allow import of tenant schedule.

Character / Management Risk

Business Background

Consider including:
• How long has the business been trading under the same structure?
• Main industry & ANZSIC code (if known)
• Trading location(s)
• Business website
• Key individuals & their roles
• Is business insurance in place?

Clean credit history Experienced management First-time borrower Minor credit issues Defaults / Bankruptcy

Capacity / Serviceability Risk

ICR ≥2.0x ICR 1.5x-2.0x ICR 1.0x-1.5x ICR <1.0x DSCR ≥1.25x DSCR 1.0x-1.25x DSCR <1.0x

Collateral / Security Risk

LVR ≤60% LVR 60-70% LVR 70-80% LVR >80% Prime metro location Regional / Secondary Strong tenant covenant Vacant property

⛔ Deal Breakers

ATO debt outstanding Recent defaults (<2yrs) Negative equity position SMSF bare trust issue Unable to demonstrate serviceability Related party transaction Current litigation Undisclosed liabilities Utilising projection income Utilising vendor financials

Presenter Details

Broker / Presenter Name

Company

Phone

Email

CREDIT PAPER

Commercial Property Acquisition

Executive Summary

Borrower(s)	—
Guarantor(s)	—
Purpose	—
Total Facilities	—
Security	—
Overall Risk	MEDIUM

Key Metrics

LVR

—

Max: —

ICR

—

Min 1.0x | Pref 2.0x

DSCR

—

Min 1.0x

WALE

—

years

Parties

Entity	Type	Role	ABN/ACN
No entities

Facility Structure

No facilities

Security Position

Property	Type	Owner	Tenure	Value ($'000)
No securities

Executive Summary

Key Metrics

Parties

Facility Structure

Security Position

Tenant Schedule

Risk Assessment

Character / Management Risk —

Capacity / Serviceability Risk —

Collateral / Security Risk —

Draft Notes

Creditsheet

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Standard

Pro ⭐

Executive Summary

Key Metrics

Parties

Facility Structure

Security Position

Tenant Schedule

Risk Assessment

Character / Management Risk —

Capacity / Serviceability Risk —

Collateral / Security Risk —

Draft Notes