Riverside Holdings Pty Ltd
›_ Black Mountain Financial
Company · Commercial purchase · $2.4M · Thinktank
ABN51 824 753 556
GST✓ Registered
IndustryProperty operators & developers
Verify current financial position
DR
Daniel Rivers
Director · daniel@riverside.com.au
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Invite sent · awaiting Daniel
Aged receivables$128k
Current$78k
1–30d$32k
31–60d$12k
60+d$6k
Aged creditors$74k
Current$50k
1–30d$18k
31–60d$6k
Net working capital +$108k · current ratio 1.6
illustrative — pulled live from connected Xero
Live financial position
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Live position · TTM to Jun 2026 +8% YoY
Monthly revenue$72.5k → $91k
Jul 25Jun 26
illustrative — pulled live from connected Xero
Servicing & benchmark
Servicing · DSCR on $2.4M
1.35×
≥1.25 ✓
EBITDA margin
14.5%
vs 11% ind ✓
Revenue / head
$333k
vs $286k ✓
Benchmarked against industry — IBISWorld K6411B.
Working capital test
Is a working-capital facility required — and justified?
$18k tied up in 31–60+ day receivables
Debtor days > creditor days — a timing gap
Seasonal Q3 dip · revenue rising 8% YoY
✓
Justified — a $50k working-capital line bridges the receivables cycle, serviceable within DSCR.
Runs either way — justified, or returns “not required”.