Commercial Finance: Sydney & Byron Bay
Commercial property lending is rising. Business owners are buying their premises instead of leasing. Investors are moving into industrial, retail and mixed-use. Hospitality operators in Byron Bay are looking to own what they run. Most mortgage brokers won’t touch any of it. We handle all of it.
YML Finance is part of the YML Group, accountants, financial planners, and YML Legal (NSW Law Society Practice ID 40220). That matters for commercial deals. The entity structure, the GST position, the lease review, all sorted within the same team, before settlement. Call Jay on 0425 228 882. No broker fee in most cases.
What We Arrange
Commercial Property Loans: Sydney
Offices, retail, industrial, mixed-use, strata commercial. We know which lenders are active in which asset types right now, and we structure applications to get the best LVR available for your deal.
Commercial Property Loans: Byron Bay
Byron Bay’s commercial market runs on assets most banks won’t assess: wellness retreats, boutique accommodation, mixed-use lifestyle properties, rural commercial. We know the lenders who will.
SMSF Commercial Property
Buy your business premises through your SMSF. Pay yourself rent. Build super from your own trading. We’ve been doing this for 20+ years, with the YML Group accounting team in the same building.
Development Finance: Sydney
Duplex to boutique apartment. Staged drawdown, presale structuring, feasibility assessment. We work with developers from site acquisition through to completion.
Hospitality Finance: Byron Bay
Cafes, restaurants, boutique hotels, glamping resorts, wellness retreats. Standard bank credit policies weren’t written for Byron Bay. We know the specialist lenders whose were.
Industrial & Warehouse Loans: Sydney
Sydney’s industrial market is tight. Vacancy is low, rents are up, and owner-occupiers are moving. We arrange finance for strata industrial, logistics facilities and warehouses across Western and South Sydney.
Why It Matters That We’re Part of YML Group
A residential broker arranges a loan. A commercial deal needs more than that. What entity holds the property? Is GST payable on this purchase, and does the going concern exemption apply? What does the lease say, and will a commercial lender accept it? These questions need answers before you exchange contracts, not after. Because we’re part of the YML Group, our accountants and YML Legal are in the deal from the start. No referrals to strangers. One team.
- 20+ commercial lenders including specialist non-banks
- In-house accounting, legal and financial planning through YML Group
- MFAA member for 20+ years
- Non-standard and complex commercial assets welcome
- Active in both Sydney and Byron Bay commercial markets
- No broker fee in most cases
How Commercial Lending Works
Commercial lending isn’t assessed like residential. Lenders look at the property as a security, how liquid is it, who would buy it, what does it yield? They look at serviceability from business cash flow, not salary. They look at lease terms, tenant quality, and for development deals, presale coverage and feasibility. Documentation is heavier: two to three years of business financials, commercial valuations from approved valuers, and a well-structured application narrative. Getting the application right before approaching lenders is half the work. That’s where we add the most value.
Common Questions
What LVR should I expect for commercial property?
60–75% for most standard commercial assets. Owner-occupied with strong business serviceability can reach 80% with some lenders. Industrial generally achieves higher LVRs than retail or specialist assets. We’ll give you the realistic number for your specific property before you go to contract.
Do you use non-bank lenders for commercial?
Yes, and for many Byron Bay assets and complex Sydney deals, non-bank lenders are the only real option. Our panel includes specialist commercial lenders active in hospitality, mixed-use, rural commercial and non-standard construction. These aren’t on the rate comparison sites. They’re accessed through relationships.
Can I buy commercial property through my SMSF?
Yes. Business premises inside an SMSF, leased back to your business at market rent, is one of the most tax-effective strategies available to Australian business owners. We’ve been doing SMSF commercial for over 20 years. See the SMSF Commercial Property page.
How long does commercial settlement take?
Four to eight weeks from a complete application, sometimes longer for complex structures. Commercial valuations take longer than residential, credit assessment is more involved, and the legal documentation is heavier. We tell you the realistic timeline upfront.
Call Jay, 0425 228 882
YML Finance | ACL 398415 | MFAA Member | Sydney & Byron Bay
General information only. Not credit, tax or legal advice. Acctpro Finance Pty Ltd ACL 398415. Commission received from lenders in most cases, see our Fees & Remuneration page.