Why structure changes the loan
A lender looks through the structure to the people and businesses behind it. They want to know who controls the entity, who benefits, who will guarantee the loan and where the income comes from. Income spread across a trust, a company and personal returns has to be added up the way the lender reads it, not the way your accountant presents it for tax.
What we prepare
- A group chart showing each entity, its trustee and its beneficiaries or shareholders
- Consolidated income across the group, with add-backs the lender will accept
- A list of all debts and guarantees across the group
- Trust deeds and company extracts the lender will ask for
Getting this right at the start means fewer questions from the credit team and a faster answer. If the business side needs more work, such as forecasts or a credit paper, our sister business Levelhead prepares them in-house.