YLG Capital
The three YLG Capital founders standing together Motion-blurred figure walking in a pale studio Two men working on laptops at a conference table
Your next step,
where things
change.
Motion-blurred figures crossing a pale studio floor

(WHO WE ARE)

Three commercial bankers. Over 45 years of combined expertise across all four major banks.

We played key roles in shaping the growth of challenger Judo Bank, managing ~$1Bn in funds for small and medium businesses across Australia. Simply put — we know how banks think, how they lend, and how to structure loans for the right outcome for you.

Business

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We fund growth on your terms.

  • Business loans
  • Working capital solutions
  • Debt structuring & advisory
  • Boutique private lending
  • Vehicle & asset finance
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Property

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We structure property outcomes end to end.

  • Development finance
  • Commercial property investment
  • Land banking
  • Residual stock
  • Equity release
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Personal

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The three YLG Capital founders seated in a pale studio

We look after the personal side too.

  • Home loans
  • Pre-approvals
  • Refinance & restructure
  • Investment property lending
  • Vehicle finance
Learn more

(WORKING WITH YLG)

1 — 9

“YLG restructured our facilities and unlocked $2M in annual cashflow. The balance sheet finally matches where the business is going.”

Director National childcare operator

“Credit-endorsed terms from two lenders inside 24 hours, after months of stalled conversations with our incumbent bank.”

Owner Commercial roofing supplier

“They moved us to interest-only, removed every covenant and paid out our ATO debt. Without a single valuation.”

Principal Dental practice

“Three competitive term sheets within a week. The tenor extension alone freed up over $500K a year.”

Director Hospitality group

“After months of stalled conversations with a major bank, YLG had our three entities refinanced with a lender who actually understood the group structure.”

Managing Director E-commerce & wholesale group

“100% funding for our owner-occupied property, approved on management financials. No equity contribution, no covenants.”

Owner Building supplies business

“We went from two sites to twelve in under four months. YLG had the structure built ahead of the acquisitions, not scrambling behind them.”

Director Quick service restaurant group

“Stepping from operator to owner is a different proposition. The two-year interest-only period gave us room to fund the refurbishment and find our rhythm.”

Licensee Regional hotel

“We already had an offer from our bank. YLG came back with cleaner structure, sharper pricing and no property security. A live offer is a starting point, not a ceiling.”

Director Mechanical services business

(RECENT TRANSACTIONS)

Outcomes

Working capital $23M

Childcare operator: refinance & debt restructure

A strategic restructure that reset the balance sheet and unlocked $2M in annual cashflow for a national rollout.

Commercial property $17M

Roof plumbing supplier: property & restructure

100% funding for an owner-occupied acquisition, with credit-endorsed terms from two lenders within 24 hours.

Private credit $16M

Specialised asset portfolio: purchase & refinance

Two specialised assets structured at 70% LVR — well above the market default of 50–60%.

View all transactions

Let’s start with a conversation.

Schedule a meeting
The three YLG Capital founders standing together

Meet the team

Jonno, Nav and Hayden bring senior banking experience from Judo Bank, NAB, ANZ, Westpac and CBA — and a genuine commitment to helping businesses succeed.

Learn more