NAB — Business Banking Credit Platform

Borrower details Step 1 of 7

Entity

Entity name

ABN

Reference ID

Industry

Structure

Relationship

Years tradingyrs

EmployeesFTE

Banking relationshipyrs

Internal credit rating

Website

Key contacts

Click "+ Add" to add a key person.

Banker notes

Global base rate Live RBA / BBSW — apply to all facilities at once

Checking…

3M BBSW / base rate %

Covenant thresholdsSet per transaction — flows through all tabs

Min DSCR×

Min interest cover×

Max net debt / EBITDA×

Min current ratio×

Min liquidity$K

Max D/E ratio×

AI provider configuration Checking…

The platform uses Claude (Anthropic) as the primary AI. When running inside claude.ai or via the Supabase proxy, no API key is needed — authentication is handled automatically. When opening the file locally (file://), enter your Anthropic API key below once and it will be saved to your browser.

Azure OpenAI endpoint

Azure API key (optional)

When Claude is unavailable the platform automatically falls back to Azure Copilot if configured above.

Step 1 of 7

Upload financial documents Supported: PDF · Excel · Word · CSV — data extracted and auto-populated

Upload your client's financial statements and supporting documents. The platform will extract key figures and automatically populate the Cash flow and Balance sheet inputs, and pass the full document content to the AI when generating credit analyses.

P&L

Profit & Loss

FY actuals & forecasts

Drop file or click to upload

B/S

Balance Sheet

Latest period actuals

Drop file or click to upload

Aged Debtors

Debtor listing by age

Drop file or click to upload

Aged Creditors

Creditor listing by age

Drop file or click to upload

Budget / Forecasts

Forward projections

Drop file or click to upload

Other Documents

Tax returns, ATO portals, management reports

Drop file or click to upload

Shared document portal

Share a link with third parties — clients, accountants, or colleagues — so they can upload documents directly into this transaction. Documents are stored in a shared session and available to anyone with the link for 24 hours.

Transaction share key

Share this link with anyone who needs to upload documents for this transaction

Join existing session

Enter a key to access a shared transaction's documents

P&L and free cash flowEdit any cell — calculated rows update automatically

Item

FY2024A ($K)

FY2025A ($K)

FY2026F ($K)

Balance sheet Enter actuals — FY2024A, FY2025A, FY2026F

Assets — FY2025A

Cash & equivalents$K

Trade receivables$K

Inventory$K

Other current assets$K

PP&E (net)$K

Intangibles$K

Liabilities & equity — FY2025A

Trade payables$K

Other current liabilities$K

Existing debt$K

Total equity$K

Pre-deal ratiosvs covenants from Tab 1

Revenue, EBITDA & NPAT trend Updates as you type

Revenue EBITDA NPAT

Investment property — NOI analysisNet Operating Income & capitalisation

Gross rental income ($K p.a.)$K

Vacancy allowance (%)%

Management fees (%)%

Outgoings / maintenance ($K)$K

Market cap rate (%)%

Independent valuation ($K)$K

Tenant register Lease expiry profile & WALE

Tenant nameArea (m²)Annual rent ($K)Lease expiryReview type

No tenants added yet.

WALE: — years Occupancy: — Total rent: —

Development feasibilityGRV, costs, profit margin

Revenue

Gross Realisable Value — GRV ($K)$K

Pre-sales contracts secured ($K)$K

Selling costs (%)%

GST on margin ($K)$K

Costs

Land cost ($K)$K

Construction cost ($K)$K

Professional fees (%)%

Contingency (%)%

Holding / finance costs ($K)$K

Facility stackAdd all facilities for this transaction

Facility nameTypeLimit ($K) Base rate %Margin % Fees $K paTerm (yrs)Repayment

Total exposure

—

All facilities

Blended cost

—

All-in rate incl. fees

Annual debt service

—

Interest + principal + fees

DSCR

—

Min covenant —

Cost breakdown by facility

Facility	Limit	All-in rate	Annual interest	Fees pa	Total cost
Total	—	—	—	—	—

Debt service waterfall

DSCR vs covenant —

0×Covenant: —3×

Amortisation schedule Year-by-year principal, interest and closing balance per facility

Reverse rate solver What maximum rate can this deal sustain at target DSCR?

Target DSCR ×

Solve for

Real property security 1st ranking mortgage — add one row per property

LVR guide (bank policy): Owner-occupied residential 80% Investment residential 75% Commercial / industrial 65% Rural / agricultural 55% Specialised / vacant land 50%

AddressProperty typeValue ($K)LVR %NRV ($K)Rank

Total real property

—

Property value stress test What if valuations fall?

Balance sheet security — asset classes & advance ratesFloating charge (GSA) + personal guarantees

Plant & equipment

PP&E net book value$K

Forced sale value %%

Other tangibles

Other asset value$K

Recovery rate%

Trade receivables

Gross receivables$K

Eligible advance rate%

Inventory

Inventory value$K

Eligible advance rate%

Director personal guarantees

Director net assets$K

Coverage applied%

Total security NRV

—

Net realisable value

Security cover ratio

—

NRV / total exposure

Unsecured gap

—

Exposure above NRV

Net LVR (all security)

—

Exposure ÷ NRV

Property LVR

—

Debt ÷ property value

Realisation waterfallEnforcement priority order

1st mortgage

Floating charge (GSA)

Personal guarantee

Security mix% of total NRV

Director & guarantor register Personal guarantees — detail per director

NameRole / entityNet assets ($K)Coverage %NRV ($K)

No guarantors added. Click "+ Add guarantor" above.

Total guarantees

—

PPSR & security registration Personal Property Securities Register — required before drawdown Incomplete

Covenant headroomLive vs threshold

Stress scenario controlsDrag sliders — all metrics update live

Revenue shock0%

−40%Neutral+20%

Rate rise0 bps

0 bps+250 bps+500 bps

Margin compression−0pp

−0pp−5pp−10pp

Stressed EBITDA

—

After all shocks

Stressed DSCR

—

Stressed interest cover

—

Min —

DSCR headroom

—

vs covenant min

Extended stress scenariosOperational shocks beyond rate/revenue

DSO extension (days)

0 days

Capex spike ($K above budget)

$0K

Customer loss (% revenue)

-0%

Extended stressed DSCR

—

vs covenant

DSO cash drain

—

Working capital impact

Revenue after loss

—

Post-customer attrition

DSCR headroom

—

vs min covenant

DSCR sensitivity — revenue rangeCovenant minimum shown as dashed line

DSCR

—

Interest cover

—

Net debt / EBITDA

—

Security cover

—

NRV / exposure

Blended cost

—

All-in rate

Total exposure

—

All facilities

Free cash flow bridgeEBITDA → FCF → DSCR

Facility summary

Facility	Type	Limit	All-in rate

Security summary

Asset	Gross value	NRV eligible	Structure
Total	—	—

Covenant check

Rate sensitivityDSCR impact of rate movements

Approval conditionsGenerated from transaction inputs

Deal health check Auto-detected risks and covenant breaches

Analysing…

Deal pipeline Full origination lifecycle Prospect

Current stage

Responsible officer

Key milestone dates

Enquiry / referral date

Term sheet issued

Credit approval date

Legal docs executed

Settlement date

Maturity / review date

Conditions / notes

Deal benchmarks Compare across your transaction history

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