Disclosures
Licensing, how we are paid, and what we do not do.
These disclosures apply to every engagement and every page of this site. They are reproduced in full in our terms of engagement.
Who we are
Levelhead Business Advisory is a registered business name of Levelhead Capital Pty Ltd (ACN 703 134 918, ABN 15 703 134 918). Our postal address is PO Box 308, Neutral Bay Junction NSW 2089.
What we do
Levelhead Business Advisory provides business advisory services: earnings analysis, finance documents, business plans, debt and growth modelling, and covenant work. We do not arrange finance and we do not provide credit assistance. Where you want finance arranged, business and commercial lending is referred to The Lending Lab Pty Ltd and development and construction finance is referred to Andorra Private. You are under no obligation to use either.
Referrals and conflicts
Nicholas Clunes provides the advice here and is also a credit representative of The Lending Lab Pty Ltd (Credit Representative Number 530711, authorised under Australian Credit Licence Number 387856). If a facility you were referred for settles through The Lending Lab, he may benefit from the commission paid to it. We tell you this in writing before you decide whether to take up a referral, and the advisory fee is the same whichever lender or broker you use.
Business purposes only
Our advice concerns business and investment finance only. We do not advise on consumer credit, including home loans or personal loans. Credit taken for business purposes falls outside the National Credit Code, so the consumer protections that attach to a home loan do not attach to these facilities, and a lender will ask you to sign a business purpose declaration confirming it.
How we are paid
Levelhead Business Advisory charges a fixed fee for the advice and the documents, quoted before the work starts and payable regardless of whether finance is approved or what the analysis concludes. We do not arrange finance and receive no commission. If you choose to have finance arranged through The Lending Lab Pty Ltd, where Nicholas Clunes is a credit representative, a lender may pay commission to The Lending Lab Pty Ltd. Commission is not payable on every transaction and the amount is not ascertainable at the time the work is quoted. Some modelling work is provided at no charge to clients of The Lending Lab; where that applies it is stated on the page and confirmed in writing at engagement. You are free to take the analysis and use any broker or lender you like.
Scope of advice
We provide business advisory and transactional advisory services. We do not provide credit assistance, taxation advice, legal advice, financial product advice, audit or assurance services. Nothing on this site or in any report is a tax position, a legal opinion, or an offer of finance. Tax positions belong with a registered tax agent and legal positions with your solicitor, and we will identify the matters that need them.
Basis of work
Our analysis is built from source documents: financial statements, bank statements, BAS lodgements and the general ledger. Where a figure comes from the vendor, the vendor's advisers or the client and has not been verified against a source document, the report says so.
Credit decisions
We prepare the case. We do not make the credit decision and cannot commit any lender to one. Every indication we give about what a facility might look like is an estimate based on the information available at the time and on criteria that lenders change without notice. Nothing we produce is an approval, a pre-approval, or an offer of finance.
Other interests
Nicholas Clunes holds interests in other businesses named on this site, including The Lending Lab Pty Ltd, Andorra Private, Andorra Capital Solutions and Broker Sidekick. Where we refer you to one of them, or where one of them is paid in connection with your matter, we tell you in writing before you proceed rather than leaving you to find out.
Related businesses
We do not arrange finance. Business and commercial lending we refer is arranged by The Lending Lab (The Lending Lab Pty Ltd), under Nicholas Clunes's credit representative authorisation, as set out above. Its broking minimum loan sizes are $500,000 with property security, or $1,000,000 without.
Development, construction and private lending is referred to Andorra Private, a separate broking business.
Broking career, licensing, aggregation and practice management services are provided by Broker Sidekick, a business in which Nicholas Clunes holds an interest. Where we send you to any of the businesses named on this page, or where one of them is paid in connection with your matter, we tell you in writing at engagement.
Levelhead Business Advisory is a registered business name of Levelhead Capital Pty Ltd (ACN 703 134 918, ABN 15 703 134 918). See also our terms of engagement and privacy policy.