Commercial Mentoring

Sound Familiar?

Most brokers leave commercial deals on the table — not because they can't do them, but because they don't know how banks think.

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You avoid commercial deals — not sure where to start, worried about looking amateur to the lender.

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Deals get declined and you don't know why. The feedback is vague, the credit team is a black box.

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You've done the PD days — but theory doesn't tell you how to structure a real deal with a real borrower.

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Every commercial deal you don't do is $5K–$15K+ in trail and upfront commission left on the table.

"What if you could see your deal through a banker's eyes — before you submit?"

Mentoring Packages

No intro call needed — the Deal Triage is your preparation tool. Come with a real deal, leave with a real plan.

Standard 1v1

$399

+ GST · per session

Case-based mentoring session focused on your specific deal.

60-min video session
Real deal review
Banker's perspective
Action items & next steps

Book Now →

💡 The "1 More Deal" ROI

Average commercial deal commission: $5,000–$15,000+
Cost of a Standard session: $399

If mentoring helps you close just 1 more commercial deal a year, you're looking at a 10–30x return on your investment.

What You'll Learn

Practical, deal-focused skills — not theory, not PowerPoints. Every session uses your real deals.

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Deal Triage™ Framework

Assess any commercial deal in 15 minutes. Know when to pursue, when to walk.

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Credit Narrative Writing

Write the story that makes credit say yes. Structure your submission like a banker would.

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Deal Structuring

Trust, Company, JV, Development — know which structure works and why.

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Bank vs Non-Bank Decision Tree

Match the deal to the right lender. Stop submitting to the wrong place.

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ICR / DSCR / UCA

Real understanding of serviceability ratios — not just formulas, but what they mean in practice.

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Red Flags (KYC/AML/Industry)

Spot the issues before the bank does. Know what triggers extra scrutiny.

About Dong

Dong Ma

Founder, Oney & Co

8 years inside Australia's Big 4 banks — Westpac, NAB, and St George — in Business Banking. Assessed over $100M in commercial lending. Now building tools and mentoring for the brokers who want to do more commercial deals with confidence.

"Known for giving straight answers in 5 minutes, not 5 weeks."

Frequently Asked Questions

Everything you need to know before booking.

Who is this for? Do I need to be experienced? ▼

This is for any mortgage broker who wants to do more commercial deals — whether you're brand new to commercial or already doing a few deals a year and want to level up. If you've got a deal (or a potential deal) and you're not sure how to structure it, position it, or which lender to approach, this is for you.

Do I need commercial experience to start? ▼

No. Many brokers come with zero commercial experience — just a deal they don't want to lose. The sessions are designed to meet you where you are. We'll work through your actual deal together, and you'll learn by doing.

What happens in a session? ▼

We review your real deal together — the borrower, the security, the numbers, the story. I'll show you how a bank credit analyst would assess it, identify the weak spots, and help you structure the submission so it gets approved. You'll leave with a clear action plan and specific next steps.

How do I prepare for a session? ▼

Run your deal through the free Deal Triage™ tool first — it takes 5 minutes and gives us a starting point. If you have financials, a security address, or loan amount in mind, bring those too. The more real information you have, the more practical the session will be.

Are sessions online or in-person? ▼

All sessions are online via video call (Zoom or Google Meet). This keeps things flexible — you can book from anywhere in Australia. If you're Sydney-based and prefer in-person, reach out and we can discuss.

What if my deal gets declined anyway? ▼

Declines happen — even to experienced commercial bankers. The goal isn't to guarantee approval; it's to make sure you submit the strongest possible application and understand exactly why if it doesn't get up. That knowledge compounds — you'll be better at every deal after this one.

Can I get a refund? ▼

Sessions are non-refundable once delivered. However, if you need to reschedule, just give 24 hours' notice and we'll move it. If for any reason you feel a session didn't deliver value, reach out — we'll make it right.

How is this different from PD days? ▼

PD days teach theory to a room of 50 people. This is 1-on-1, using your actual deal, with someone who's sat on the other side of the desk assessing these exact applications. You won't learn "what is an ICR" — you'll learn "why your deal's ICR won't pass and what to do about it."

Do you help with the actual submission? ▼

I don't submit on your behalf — you're the broker and it's your client relationship. But I will help you structure the deal, write the credit narrative, choose the right lender, and anticipate the questions credit will ask. Think of it as having a banker in your corner.

Can I book just one session to try? ▼

Absolutely. The Standard 1v1 ($399 + GST) is designed exactly for that — one deal, one session, real outcomes. No commitment required. Most brokers come back because the ROI speaks for itself.

1 More Commercial Deal a Year