Finance that reads the business you built.
Lending shaped by retained earnings, growth cycles and liquidity, not your personal tax return alone.
Where retail lending stops.
The structure that makes a business tax-efficient is the same structure that hides your borrowing power. A modest salary and franked dividends understate what you can actually service.
Profits retained in the company, the sign of a healthy business, are routinely left off a serviceability assessment.
Irregular income, reinvestment and the years before a liquidity event do not fit a template built for a steady wage.
A different
starting point.
Read the business, not just the return.
We structure around company performance, asset strength and where the business is heading, not personal taxable income alone.
Lenders who count retained profit.
We work with credit teams who assess net profit and retained earnings as the capacity they are.
Timed to the cycle.
Lending planned around capital raises, reinvestment and exit, working with the cycle rather than against it.
The work, in
specifics.
- Retained-earnings and net-profit servicing
- Asset-backed and cash-flow lending
- Business and personal funding under one roof
- Structuring ahead of a liquidity event
- Facilities scaled to the business, not the salary
- Forward planning across the growth stage
How it works
in practice.
An illustrative example of how a Lydian engagement with this client typically unfolds. It shows the shape of the work, not a client testimonial.
- Situation
- A founder draws a small salary and leaves profit in the company to fund growth. The bank lends against the salary, and the number is a fraction of what the business earns.
- Approach
- We present the company accounts and retained earnings, structure personal and business borrowing together, and place it with a lender that reads net profit.
- Outcome
- The borrowing reflects the business as it actually trades. The efficiency that helped at tax time stops working against the mortgage.
Structure your borrowing around the business, not just last year's tax return.
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