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Debt Readiness Lab

In development

Better finance conversations start with better preparation.

Debt Readiness Lab helps a business get its house in order before speaking to lenders, investors or creditors. It focuses on understanding and organising — what is owed, when, and what information would be needed — rather than recommending any particular course of action.

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Who it's for

  • Businesses considering borrowing for the first time
  • Clients with several existing facilities to review
  • Advisers preparing clients for lender meetings

Questions it helps explore

  • Does the business have a complete picture of its obligations?
  • Is repayment timing understood alongside cash flow?
  • What documents would a lender typically ask for?
  • Where is information missing or out of date?

Gaps it may identify

  • Incomplete records of facilities and terms
  • Limited visibility of upcoming repayment dates
  • Supporting financial information not ready to share
  • Unclear rationale for any new financing requirement

The experience

How the assessment works

A structured walkthrough helps your client gather and organise information about their obligations and requirements. The output is an organised summary you can review together before any finance conversation.

How advisers might use it

  • Preparation work ahead of a lender introduction
  • A periodic review of a client's financial obligations
  • A structured starting point for refinancing discussions

Planned resources

Final contents depend on the licence and release stage.

  • Online assessment
  • Preparation summary report
  • Obligations organiser worksheet

Licensing

Ways to license Debt Readiness Lab

Individual Tool Licence

For professionals who want to start with one specialist assessment.

Discuss licensing options

Professional Bundle

Combine relevant assessments into a toolkit designed around your practice and client needs.

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Full White-Label Platform

Explore a broader branded assessment offering for your firm, with licensing and implementation options tailored to your requirements.

Discuss licensing options

FAQ

Debt Readiness: common questions

Interested in Debt Readiness Lab?

Tell us about your practice and clients, and we'll talk through how this assessment could fit into your services.

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