Home

THE COMMERCIAL LOAN CHECK
Dragan Lazic Mortgage Broker · YBR Inner Melbourne
DL

THE COMMERCIAL LOAN CHECK

Think commercial finance is too hard to get moving on? Most of what’s stopping you isn’t what you think.

Business premises, an investment property, a shopfront you’re sick of leasing – the finance side feels harder than it is. Answer honestly below and see exactly what’s actually in your way, in about 30 seconds. No obligation.

5.0★ Google rating, YBR Inner Melbourne
Commercial specialist Business premises, investment & asset finance
YBR Inner Melbourne, Credit Representative

STEP 1 – WHAT’S ACTUALLY IN YOUR WAY

Tick what’s been holding you back

Pick anything that sounds familiar. Nothing is sent anywhere – this just shows you where you actually stand.

THE COMMERCIAL LOAN CHECK

Click each one that applies. You’ll see straight away whether it actually rules you out – usually, it doesn’t.

Doesn’t rule you out. Commercial lenders regularly work off BAS, accountant’s declarations, bank statements or a mix – a lot of business owners assume “full doc or nothing” and it’s simply not true.
Doesn’t rule you out. One bank’s credit policy is not “the market.” Commercial lending has dozens of lenders with genuinely different appetites for security type, industry and structure – a no from one is often a yes somewhere else.
Doesn’t rule you out. Usable equity in an existing property, a family guarantee, or a different security structure can often close the gap – “big enough” is usually smaller than people assume.
Doesn’t rule you out. Nobody’s done their first one before they’ve done it. Commercial finance just has more moving parts than a home loan – that’s exactly what a broker who does this daily is for.
Doesn’t rule you out. Every industry looks risky to some lender and completely fine to another. Matching your business to the right lender’s appetite is most of the job.
Doesn’t rule you out. Trusts, multiple entities and partnerships are ordinary territory for commercial lenders – it just needs someone who can present the structure properly, not simplify it away.

Tick a box above to see where you actually stand.

0 of those – and none of it takes you out of the game.

Every one of those is something I work through with clients every week. The honest next step isn’t a form that spits out a number – it’s a 15-minute conversation where I tell you straight whether it stacks up, and what it’d actually take.

Ready to find out for sure? Leave your name and mobile and I’ll call you back – no forms, no jargon, no obligation.

WHAT ACTUALLY CHANGES

What owning instead of leasing actually unlocks

This is the part that doesn’t show up on a spreadsheet.

Your own warehouse, instead of another year of lease

BUSINESS PREMISES, ACTUALLY OWNED

A shopfront that builds equity instead of a landlord’s

RENT MONEY, WORKING FOR YOU

The investment property that pays its own way

COMMERCIAL YIELD, DOING THE HEAVY LIFTING

A fit-out that’s finally worth doing properly

BECAUSE IT’S YOURS TO KEEP

Room to expand without asking a landlord first

YOUR BUILDING, YOUR CALL

A retirement plan that isn’t just “sell the business”

BRICKS AND MORTAR, ALONGSIDE IT

HOW IT WORKS

Three steps, no paperwork yet

1

Tick what applies

Work through the list above honestly. Nothing is sent anywhere at this point.

2

See it’s not what you thought

Almost every objection people carry into commercial finance turns out to be a non-issue with the right lender.

3

Have the actual conversation

If it’s worth pursuing, we get on a call and I tell you straight what it’d take – no sales pitch, just the real answer.

WHO YOU’D BE TALKING TO

About Dragan

Dragan holds a Bachelor of Finance & Banking (Honours) and a Certificate IV in Finance and Mortgage Broking. He works regularly with business owners and investors on commercial property, business premises and asset finance – matching serviceability, security and structure to lenders who actually understand commercial deals, not just resi.

★ 5.0 on Google – YBR Inner Melbourne

Whole-of-market Compares lenders rather than one bank’s rate card.
Commercial specialist Business premises, investment property & asset finance.
Y
YBR Inner Melbourne Credit Representative of Yellow Brick Road Finance, ACL 393195.

NO EMAIL NEEDED

Free guides

Download straight away – these don’t require anything above.

COMMERCIAL VS RESIDENTIAL

Commercial vs Residential Lending, Explained Plainly

What actually changes – LVR, rate, loan term, security – written for business owners, not brokers.

Download PDF ↓
GETTING READY

Buying Your Business Premises: The Checklist

What to line up before you approach a lender, so a missing document never costs you the deal.

Download PDF ↓
BANK VS SPECIALIST

Where a Bank Says No and a Specialist Lender Says Yes

Why one credit policy isn’t the whole market, and what changes the answer.

Download PDF ↓

VERIFIED, NOT WRITTEN BY US

5.0 on Google

Real reviews from YBR Inner Melbourne’s listing – see them all on Google Maps.

★★★★★
“From the very beginning, he was professional, responsive, and genuinely took the time to understand our situation and goals. We couldn’t be happier with the result.”
Milica Filipovic · Google review
★★★★★
“Always available whenever I needed assistance – even during holidays and weekends. His guidance made the whole experience much smoother and less stressful.”
Dragana Radulj · Google review
★★★★★
“Fantastic encounter with my broker Dragan.”
Sivagami Mathuray · Google review