Get lender-ready before you apply.

I'm a Commercial Finance Broker. I also run a bookkeeping firm and a business-sales agency, so I see the numbers from every side. This guide is what I'd tell you before we sent anything to a lender: what they'll ask for, what slows a file down, and how to hand over an application that's easy to assess.

Is this for you?

Yes, if you run a small or medium Australian business and you're thinking about equipment finance, an overdraft, a term loan, a commercial property loan or buying a business in the next year, or if you've been knocked back and want to know why.

Probably not, if you're after a home loan or personal loan, or you want someone to promise you an approval. No one honest can do that.

A quick story

When a loan file stalls, it's rarely because the business is bad. It's usually good businesses turning up with the wrong numbers, missing documents, or something awkward they hoped nobody would notice. The owner often never hears the real reason. They just get a "no", or a long wait.

Lender-Ready is the conversation I like to have with every client before we apply, packaged up so you can do it yourself.

What you'll walk away with

• See your business the way a lender's credit team does. The five things lenders weigh up, without the jargon.
• Know exactly what to hand over. Document checklists for equipment finance, overdrafts, term loans, commercial property and business purchases.
• Handle the awkward bits honestly. ATO debt, a loss year, director loans, a patchy credit file, and how to raise them early.
• Tell your business's story on one page. A fill-in "credit story" template.
• Go into the meeting calm. A prep script with the questions to ask.

What's inside

$27 AUD (includes GST). Add the Cash Flow Forecast and Debt Schedule for $17.

About me

Hi, I'm Trent Yesberg, from Townsville. I'm a Commercial Finance Broker and a Licensed Queensland Real Estate Agent. Through Yes Property & Finance I help business owners borrow, and buy and sell businesses and commercial property. I'm also the majority owner of Regional Business Services, a Townsville bookkeeping firm, and co-founder of Twine Apps, which builds software for accounting firms.

Put simply: from books to loan to sale. I made this guide because I keep seeing good business owners caught out by things that are easy to fix once you know about them.

FAQ

Will this get my loan approved? No one can promise that, and be wary of anyone who does. It helps you understand what lenders look for and turn up prepared.

Is this financial advice? No. It's general information about how business lending generally works. For advice about your own circumstances, talk to a licensed professional, or book a free chat with Yes Property & Finance.

Do you name banks or tell me which lender to use? No. The guide covers principles most lenders use, not any one lender's policy.

Is it for home loans? No. It's built for business lending.