Debt Risk Rating - /en-au/services/advisory/business-restructuring/debt-advisory/risk-ratings

Complete a complimentary risk assessment in 5 minutes

Knowing your risk rating can help improve your lender relationships and grow your business .

1. Industry: What industry do you operate in? *

2. Bank Relationships: Are you getting the support and understanding you want from your bank manager?*

Yes

I don't have a bank manager

3. Debt: What is the current level of your bank debt? *

<$1.0m

$1.0m - $5.0m

>$5.0m

4. Maturity of current debt: What is the earliest maturity date for your term loan/s? *

< 6 months

6-12 months

> 12 months

5. Interest Cover Ratio (ICR): How comfortable are you in meeting your interest? The calculation is EBIT/Interest. EBIT is Earnings (or Net Profit) before Interest and Tax. *

It's tough (<1.5x ICR)

OK (1.5x to 1.75x ICR)

Great (>1.75x ICR)

I don't know - I need help!

6. Loan to Value Ratio (LVR): For debt secured by property - the calculation is Loan/Property Value. The lower the LVR, the lower the risk. If you have no real estate property, skip this question and go to Question 7

Not applicable

Little (>70% LVR)

Some (50-70% LVR)

Lots (<50% LVR)

I don't know - I need help!

7. Debt to Equity Ratio: Provides an indication of how highly geared a business is. The calculation is Debt/Equity (Total Assets less Total Liabilities). The lower the Debt to Equity, the lower the risk.

Not applicable

Little (>2.0x)

Some (1.5x - 2.0x)

Low (<1.5x)

I don't know - I need help

8. Are your ATO lodgements and commitments up to date (including superannuation)?*

Yes

I'm on a repayment plan

Full Name*

Email*

Postcode*

10. If you are a BDO client, who is your contact?

Opt-in*

I agree that BDO Australia can send me email updates, and I understand I can unsubscribe at any time.

BDO Australia takes every care in delivering relevant and informative communication to our clients. For more information, read our Privacy Policy and Opt-out information.