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{"sheet":"1. BAS Guide","index":0,"n_rows":35,"n_cols":22,"rows_kept":35,"cut":false,"hidden":false,"merged":[[0,0,0,7],[0,10,0,17],[1,10,1,17],[32,5,33,11],[23,0,23,4],[27,13,27,15],[25,17,25,19],[25,13,25,15],[23,5,24,7],[23,9,24,11],[23,13,24,15],[25,9,25,11],[25,5,25,7],[27,5,27,7],[31,0,31,4],[25,0,25,4],[11,2,11,8],[8,2,9,8],[5,2,6,8],[26,0,26,4],[13,0,14,4],[20,0,20,4],[21,5,21,7],[32,13,33,15],[32,17,33,19],[32,0,32,2],[31,5,31,11],[26,5,26,7],[26,9,26,11],[26,13,26,15],[26,17,26,19],[31,13,31,15],[31,17,31,19],[29,5,29,7],[29,9,29,11],[29,13,29,15],[29,17,29,19],[28,5,28,7],[28,9,28,11],[28,13,28,15],[28,17,28,19],[27,17,27,19],[27,9,27,11],[5,10,6,17],[8,10,9,17],[23,17,24,19],[21,13,21,15],[21,17,21,19],[21,9,21,11],[17,13,17,15],[16,17,16,19],[16,13,16,15],[17,9,17,11],[34,0,35,11],[34,13,34,18],[3,10,3,17],[11,10,11,19],[18,13,18,15],[18,9,18,11],[18,5,18,7],[13,6,13,10],[13,13,13,19],[18,17,18,19],[17,17,17,19],[16,9,16,11],[2,0,3,7],[15,0,15,4],[16,5,16,7],[17,5,17,7]]}
["2.3 Business Activity Statements Guide",null,null,null,null,null,null,null,null,null,"Need help completing this guide?"]
[null,null,null,null,null,null,null,null,null,null,"Please contact your RedZed BDM for assistance."]
["This guide is to support a self employed applicant(s) income declaration (Alt Doc) stated in section 2.1 of the RedZed application form.    "]
[null,null,null,null,null,null,null,null,null,null,"* Complete a BAS guide for each entity where there is more than one income declaring entity."]
[]
["Borrower(s) name:",null,null,null,null,null,null,null,null,null,"* Both sheets 1.BAS Guide and 2. Expenses & Liabilities of this guide require mandatory completion in order to generate a calculation."]
[]
[]
["Income declaring entity name:",null,null,null,null,null,null,null,null,null,"* RedZed will rely upon the lesser of the applicant declared Alt Doc income figure in section 2.1 of the application or, the BAS Guide Annualised Surplus income estimate below. "]
[]
[]
["Income declaring entity ABN:",null,null,null,null,null,null,null,null,null,"* RedZed may request additional information from the borrower or income entity in its assessment of an application. "]
[]
["Complete all shaded boxes in sheets 1 & 2 using the borrower supplied BAS and their income declaring entity business expenses, liabilities and assets.  ",null,null,null,null,null,"Mandatory most recent two quarters",null,null,null,null,null,null,"Optional additional prior quarters (if needed or requested)"]
[null,null,null,null,null,null,"Quarter 1",null,null,null,"Quarter 2",null,null,null,"Quarter 3",null,null,null,"Quarter 4"]
["Period Quarter",null,null,null,null,"2024-01-01","to",{"$f":"IF(F16=\"DD/MM/YYYY\",F16,EOMONTH(F16,2))","v":"2024-03-31"},null,"2024-01-04","to",{"$f":"IF(J16=\"DD/MM/YYYY\",J16,EOMONTH(J16,2))","v":"2024-03-31"},null,"DD/MM/YYYY","to",{"$f":"IF(N16=\"DD/MM/YYYY\",N16,EOMONTH(N16,2))","v":"DD/MM/YYYY"},null,"DD/MM/YYYY","to",{"$f":"IF(R16=\"DD/MM/YYYY\",R16,EOMONTH(R16,2))","v":"DD/MM/YYYY"}]
["G1 - Total Sales",null,null,null,null,226579,null,null,null,239549,null,null,null,0,null,null,null,0]
["1B - ATO owes you ",null,null,null,null,18794,null,null,null,19766,null,null,null,0,null,null,null,0]
["W1 - Total salary, wages & other payments",null,null,null,null,20127,null,null,null,17376,null,null,null,0,null,null,null,0]
[]
["Calculations"]
["Total Purchases - Estimate",null,null,null,null,{"$f":"F18/0.0909","v":206754.67546754677},null,null,null,{"$f":"J18/0.0909","v":217447.74477447747},null,null,null,{"$f":"N18/0.0909","v":0},null,null,null,{"$f":"R18/0.0909","v":0}]
["Were there any large \"one-off\" Capital Purchases",null,null,null,null,"Select","No",null,null,"Select","No",null,null,"Select","No",null,null,"Select","No"]
["Total value of large \"one-off\" Capital Purchases",null,null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,0]
["*Proof required to exclude a Capital Purchase(s) from calculations "]
["Total Purchases - Revised",null,null,null,null,{"$f":"F22-IF(G23=\"Yes\",F24,0)","v":206754.67546754677},null,null,null,{"$f":"J22-IF(K23=\"Yes\",J24,0)","v":217447.74477447747},null,null,null,{"$f":"N22-IF(O23=\"Yes\",N24,0)","v":0},null,null,null,{"$f":"R22-IF(S23=\"Yes\",R24,0)","v":0}]
["Surplus Income estimate before entity Liabilities & Expenses",null,null,null,null,{"$f":"F17-F26-F19","v":-302.67546754676732},null,null,null,{"$f":"J17-J26-J19","v":4725.255225522531},null,null,null,{"$f":"N17-N26-N19","v":0},null,null,null,{"$f":"R17-R26-R19","v":0}]
["Less amount from sheet 2. Expenses & Liabilities calculation",null,null,null,null,{"$f":"-'2. Expenses & Liabilities'!$E$29","v":0},null,null,null,{"$f":"-'2. Expenses & Liabilities'!$E$29","v":0},null,null,null,{"$f":"-IF(N27=0,0,'2. Expenses & Liabilities'!$E$29)","v":0},null,null,null,{"$f":"-IF(R27=0,0,'2. Expenses & Liabilities'!$E$29)","v":0}]
["Surplus Income Estimate after entity Liabilities & Expenses",null,null,null,null,{"$f":"+F27+F28","v":-302.67546754676732},null,null,null,{"$f":"+J27+J28","v":4725.255225522531},null,null,null,{"$f":"+N27+N28","v":0},null,null,null,{"$f":"+R27+R28","v":0}]
["Borrower(s) shareholding % of income declaring entity",null,null,null,null,0,null,null,null,{"$f":"F30","v":0},null,null,null,{"$f":"F30","v":0},null,null,null,{"$f":"F30","v":0}]
[]
["Annualised Surplus Income Estimate",null,null,null,null,{"$f":"IF(AND('2. Expenses & Liabilities'!$G$9=\"Yes\",'2. Expenses & Liabilities'!$E$29=0),\"Please complete 2. Expenses & Liabilities\",(F29*F30+J29*J30)*2)","v":0},null,null,null,null,null,null,null,{"$f":"IF(AND('2. Expenses & Liabilities'!$G$9=\"Yes\",'2. Expenses & Liabilities'!$E$29=0),\"Please complete 2. Expenses & Liabilities\",IF(N27=0,0,(F29*F30+J29*J30+N29*N30)/3*4))","v":0},null,null,null,{"$f":"IF(AND('2. Expenses & Liabilities'!$G$9=\"Yes\",'2. Expenses & Liabilities'!$E$29=0),\"Please complete 2. Expenses & Liabilities\",IF(R27=0,0,F29*F30+J29*J30+N29*N30+R29*R30))","v":0}]
[null,null,null,null,null,"Estimated annualised income figure \nif 2 BAS entered",null,null,null,null,null,null,null,"Estimated annualised income figure \nif 3 BAS entered",null,null,null,"Estimated annualised income figure \nif 4 BAS entered"]
[]
["This BAS guide is intended as a guide only and no loan approval can be assumed on the basis of the results of this guide. All applications remain subject to the normal credit and approval criteria of RedZed Lending Solutions Pty Ltd.   ",null,null,null,null,null,null,null,null,null,null,null,null,"RedZed Lending Solutions Pty Ltd (ACL 311128)",null,null,null,null,null,null,null,"RZBC0424 V1"]

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["2.3 Business Activity Statements Guide"]
[]
["Current Assets, Liabilities and Expenses - for the income declaring entity as shown on 1.BAS Guide"]
[]
[]
["NOTE: Entity Assets, Liabilities and Expenses must be determined and completed below as BAS does not reflect all liabilities and expenses ie: repayments for contracted debts.  "]
[]
[]
["Does the income declaring entity have ongoing liabilities and expenses?",null,null,null,null,"Select ","No"]
[]
["* Selecting yes requires completion of the shaded fields below in order for the guide to produce a calculation result on page 1.BAS Guide"]
["* Selecting no does not require completion below and will produce a calculation result on page 1.BAS Guide"]
[]
["Business Assets ",null,null,null,null,null,null,"Business Liabilities "]
[null,null,null,null,"Aggregate asset value",null,null,null,null,null,"Total debt amount \nor limit ",null,"Aggregate monthly repayment"]
["Total value of residential & commercial property",null,null,null,0,null,null,"Total property loans / liabilities",null,null,0,null,0]
["Total value of vehicles ",null,null,null,0,null,null,"Total vehicle liabilities",null,null,0,null,0]
["Total value of plant, equipment & machinery",null,null,null,0,null,null,"Total plant, equipment & machinery liabilities",null,null,0,null,0]
["Total value of other business assets",null,null,null,0,null,null,"Total business credit card limits",null,null,0,null,{"$f":"K19*3.82%","v":0}]
["Cash ",null,null,null,0,null,null,"Total business overdraft / line of credit limits",null,null,0,null,{"$f":"K20*10%/12","v":0}]
["Recievables",null,null,null,0]
[null,null,null,null,{"$f":"SUM(E16:E21)","v":0}]
[]
[null,null,null,null,null,null,null,"Business Expenses ",null,null,"Debt amount / limit",null,"Monthly expense payment"]
[null,null,null,null,null,null,null,"ATO debt payment arrangements",null,null,0,null,0]
[null,null,null,null,null,null,null,"Other related payment arrangements",null,null,0,null,0]
[null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(K16:K26)","v":0},null,{"$f":"SUM(M16:M26)","v":0}]
[]
["Aggregate Quarterly Expense & Liability Estimate (this figure will populate into 1.BAS Guide calculation) ",null,null,null,{"$f":"M27*3","v":0}]