Transactions — YLG Capital

QSR Franchisee: Two Sites to Twelve Across Five Transactions

$8.17M

Franchise Acquisition Multi-Lender Investment Property

A series of acquisition opportunities presented in a compressed window, and the combined requirement sat well beyond the appetite of any single lender. YLG Capital constructed a dual-lender solution over several months, building the consolidated group position and placing each transaction with the bank best suited to it. The second tranche was funded while the first was still bedding down, with no seasoned trading history under the new ownership — the incoming bank funded on the strength of the operators and the consolidated position rather than waiting for the numbers to season. Midway through the commercial program, YLG Capital also settled a $2M investment property purchase for the family, written off complex self-employed financials while the acquisitions were still in progress.

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$8.17M in facilities across five transactions

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Network grown from two sites to twelve across metropolitan Melbourne and regional Victoria

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Dual-lender structure across two banks, each matched to appetite

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Second tranche funded before the first had seasoned

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Acquisitions funded to 85% of purchase price

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All commercial transactions settled inside four months

Regional Hotel Leasehold: Succession Acquisition & Working Capital

$3.5M

Hospitality Acquisition Succession Working Capital

Acquisition and working capital facilities funding the succession sale of an established regional hotel leasehold — from the outgoing owner to the next-generation operator and an incoming partner. Facilities were structured to give the new owners room to breathe: fund the refurbishment, embed into ownership, and let the business find its rhythm before principal repayments begin.

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$2,919,000 acquisition facility at 70% of purchase price, funded by a major bank on a regional, specialised hospitality leasehold with no real property security

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$600,000 working capital and fit-out facility to complete cosmetic room renovations

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Extended 2-year interest-only period to carry the fit-out spend and let the incoming owners embed before amortisation

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Lender comfort built on the strength of the business and its cash flows, supported by GSA and director guarantees

Mechanical Services Business: 50% Stake Acquisition

$1.7M

Acquisition Business Loans Asset Finance

Acquisition financing for a client's purchase of a 50% stake in an established air-conditioning and mechanical services business. The client held a live offer from their incumbent bank; YLG ran a competitive process and secured a mandate on preferential terms — a single, cleaner facility structure, priced below the incumbent's offer, with no real property security required.

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$1.55M acquisition facility suite funding a 50% unit purchase in the trust

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Pricing negotiated below the client's existing bank offer

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Separate line of credit collapsed into a fee-free redraw on the primary loan, removing the ongoing facility fee

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Fully unsecured against real property — supported by a GSA and director guarantee only

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$150K asset finance line provided on top to acquire fleet vehicles

Childcare Operator: Refinance & Debt Restructure

$23M

Childcare Debt Restructure Working Capital

$23M refinance and debt restructure for a childcare operator expanding nationally. Incumbent facilities had become misaligned with the business trajectory — amortising debt and limited liquidity were suppressing growth. A strategic restructure reset the balance sheet and unlocked $2M in annual cashflow.

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$2M annual cashflow uplift through interest-only conversion and doubled notional repayment capacity

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New working capital line to fund rollout of additional centres and support a national footprint

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Facility secured solely against leasehold business interest — preserving capital for growth

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Lightened covenant settings, providing operational flexibility and stability

Roof Plumbing Supplier: Commercial Property & Restructure

$17M

Commercial Property Working Capital Debt Restructure

100% funding secured for an owner-occupied commercial property acquisition, with credit-endorsed terms from a major and second-tier lender within 24 hours. The incumbent bank was too slow and wedded to traditional LVR metrics — approval was achieved on FY25 management financials and forecast.

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100% funding for owner-occupied commercial property — no equity contribution required

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Credit-endorsed terms from two lenders within 24 hours, including a major bank

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Approved on FY25 management financials and forecast, bypassing traditional LVR constraints

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Capex lines and working capital solutions arranged alongside the property facility

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Full removal of facility covenants and conditions

Specialised Asset Portfolio: Purchase & Refinance

$16M

Specialised Commercial Private Credit Purchase + Refinance

Two specialised assets for a single operator, structured at 70% LVR with a non-panel valuation accepted by the lender, above the market default for specialised commercial assets.

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70% LVR on specialised assets, exceeding the typical 50–60% market position

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Non-panel valuation accepted, reflecting the true underlying asset value

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Positioned around operator strategy and exit in the private credit market

Hospitality Venue: Debt Restructure & Working Capital

$4.4M

Hospitality Debt Restructure Working Capital

Three competitive term sheets secured within one week for a hospitality group carrying covenant pressure constraining growth. Extended tenor, covenant removal and $500K+ p.a. in cashflow relief delivered.

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$500K+ p.a. cashflow uplift through extended tenor and repayment restructure

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Covenant removal, providing operational flexibility and balance sheet reset

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Increased working capital to fund immediate growth initiatives

Three-Entity Group: Working Capital Refinance

$3M

E-Commerce Wholesale Working Capital

$3M in working capital facilities across three businesses in e-commerce and building supply wholesale. Refinanced away from a major bank after months of stalled conversations, with credit-endorsed terms within one week.

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$2M refinance of existing trade facilities plus $1M increase in new limits

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Clean, low-covenant structure aligned with how the group actually operates

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Placed with a relationship-focused lender suited to multi-entity complexity

Dental Practice: Refinance & Balance Sheet Reset

$2.7M

Healthcare Refinance Debt Restructure

Refinance of a $2.7M facility for a leading dental practitioner, unlocking $200K in annual cashflow and positioning the practice for future acquisitions. The client was constrained by a second-tier lender with restrictive covenants and high P&I repayments.

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Transition from P&I to interest-only repayments — 50% boost in annual cashflow

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Approved without valuations, on FY24 tax returns and FY25 management financials

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Full covenant removal and payout of outstanding ATO debt

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Security structured across owner-occupied commercial property and going concern value

Residual Stock Refinance: Pre-Subdivision

$2.16M

Residual Stock Private Credit Refinance

Eight completed townhouses refinanced on a single title prior to subdivision registration. Valuation accepted on subdivided market value before titles were issued. Approval in one week after months of unsuccessful attempts elsewhere.

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75% LVR against subdivided market value of $2,885,000, accepted pre-title registration

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Cash-out structured to fund outstanding subdivision costs

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Boutique private credit lender with flexibility to assess the asset on its merits

Skin Clinic: SMSF Acquisition & Fit-Out

$1.85M

SMSF Commercial Growth Finance

A leading skin clinic came seeking fit-out funding. A broader advisory conversation uncovered an SMSF acquisition opportunity, converting an operating cost into a long-term wealth creation asset inside super, while separately funding business growth.

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$1.05M SMSF commercial loan to acquire own premise, tax-advantaged wealth creation

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$800K fit-out facility funded externally against the business, keeping the SMSF clean

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Servicing on historical contributions and self-employed income, no fund liquidity required

Recently completed mandates.