Know what your lending margin should be

Drive transparency in your margin negotiations to get your fair margin.

Know your fair margin

Understand what is driving your margin supported by a collation of data that represents the current market.

Prepare for all scenarios

Be as informed as the banks about market predictions, your financial position and margin drivers using what-if scenarios.  

Lead the conversation

Maintain your bank relationship while getting your fair margin with tailored negotiation strategy.  

What is a Margin Review and Negotiation?

The Margin Negotiation service ensures you lead the margin negotiation conversation with your bank.

BankEdge analyses your new offer against current market conditions and enables unprecedented transparency into bank pricing that leaves no room for hidden or unexplained increases in your financing costs.

  • Current facility offer evaluation
  • Negotiation strategy
  • Market pricing supporting materials
  • ‘Fair’ margin prediction using latest market data
  • Itemised margin price drivers visualisation
  • What-if Financial Scenarios
Access Margin Review

Be negotiation ready in a few simple steps

1

Know your information is safe  

Sign a non-disclosure agreement, either ours or yours.  

2

Get the most accurate review 

Upload your most recent Financials and Facility Agreement. 

3

Plan your negotiation strategy 

Use our insights and talk with our expert about how to get a win-win outcome with your bank. 

Always be one step ahead

Proactive engagement with your financiers is key to a productive bank-customer relationship. It is a challenge to stay on top of every rollover, swap expiry and early warning to get prepared ahead of an Annual Review.

The BankEdge customer dashboard solves this problem by providing timely and actionable reminders across your portfolio.

  • Timeline Actions
  • Facility Tranches
  • Financial Scenario Summaries
  • Risk Grade estimates
View Customer Dashboard

Don’t have an upcoming margin negotiation?

If you think your margin is already at market rate, we recommend you use our Health Check service before using a Margin Review and Negotiation. The first step in our Margin Review and Negotiation is evaluating the competitiveness of your margin using our Health Check.

If the Health Check indicates that your margins are higher than our fair margin calculation, it’s time to look into a Margin Review and Negotiation.

Learn about Health Check

Pricing

Margin Review and Negotiation

What should your bank margin be?

Find your competitive margin to understand your best possible position and drive cost savings for your business. Take advantage of expert financial guidance to prepare you for your imminent margin negotiation.

On top of Health Check services, Margin Review and Negotiation includes:

  • Current facility offer evaluation
  • Negotiation strategy
  • Market pricing supporting materials
  • ‘Fair’ margin prediction using latest market data
  • Itemised margin price drivers visualisation
  • What-if Financial Scenarios
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Different Bank Margin requirements?

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* All pricing Indicative only. Excludes GST