Define the purpose
Amount, timing, use of funds, business context and the expected source of repayment.
Business finance broker Sydney and Australia-wide
Business Finance Broker for Australian SMEs
Business loans, lines of credit, equipment finance, invoice finance and commercial property funding, structured by an experienced credit specialist before the application reaches a lender.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
Business finance solutions
Start with the funding problem, then choose the product
A loan should match the purpose, the duration of the need and the cash flow that will repay it.
Growth and cash flow
Business loans
Term loans for defined projects, stock, tax obligations, acquisitions and refinancing.
Compare business loans → Flexible working capitalBusiness line of credit
Draw, repay and reuse funds up to an approved limit for recurring short-term needs.
Explore lines of credit → Vehicles and equipmentAsset finance
Fund productive assets over a term aligned to useful life, utilisation and resale value.
Explore asset finance → Unpaid invoicesInvoice finance
Use eligible B2B receivables to bring cash forward while customers remain on credit terms.
Explore invoice finance → Premises and investmentCommercial property finance
Purchase, refinance or release equity from owner-occupied and investment property.
Explore property finance → Bank alternativesBank declined your application?
Diagnose whether the issue was policy, evidence, conduct, security or serviceability before applying again.
See the next steps →
De-identified case study
The bank said no. A specialist lender approved a $150,000 line of credit.
The client had around $500,000 in turnover, clean credit and a long bank relationship. The request did not fit the bank’s segment and process. We rebuilt the application around current cash flow and matched it to a lender with appetite for the transaction.
Result in this case: a $150,000 revolving line of credit approved within 24 hours. Timing, amount and terms vary by borrower and lender.
Read the full case study~$500Kannual turnover
$150Kapproved limit
24 hoursdecision in this case
How we work
A clearer route to a lender decision
We do the credit thinking before the application is submitted.
Review the evidence
Financial statements, bank conduct, tax position, existing debt, contracts, assets and security.
Select the route
Choose a bank or non-bank lender whose product and policy fit the facts.
Compare and decide
Understand total cost, repayments, security, conditions and exit options before accepting.
Industry finance
Credit analysis shaped around how your sector earns cash
Industry knowledge matters when it explains contracts, margins, asset use and the timing of customer receipts.
Trades and constructionPlant, vehicles and project cash flow
Transport and logisticsTrucks, trailers and fleet funding
Healthcare and medicalEquipment, fit-outs and practice growth
Education providersTechnology, sites and working capital
B2B wholesale and manufacturingInventory, receivables and equipment
Professional servicesPractice acquisition and partner transitions
Prepare before applying
Business finance guides built around lender questions
These guides answer the questions most likely to determine approval, delay or decline.
How serviceability is calculated
EBITDA, add-backs, existing debt and coverage buffers.
Read guide →Bank conduct and credit history
Dishonours, ATO behaviour, enquiries and repayment patterns.
Read guide →Business loan document checklist
Build one consistent lender-ready application pack.
Open checklist →Lender Insights
Latest business finance articles
The blog is connected to the main site so readers and search engines can move between current insights, evergreen guides and finance solutions.
Frequently asked questions
Questions business owners ask before applying
A business finance broker defines the funding need, reviews likely lender fit, packages the application and explains the structure, total cost, security and conditions of available offers.
No credit check is needed for the first chat or document review. A lender can check later only if you choose to apply and say yes.
Yes, where a viable funding option exists. We first diagnose whether the decline was caused by policy, evidence, conduct, security or serviceability.
Yes. GPS Finance Group is based in Sydney and assists eligible business borrowers across Australia.
Simple, complete applications can move quickly, while larger or secured transactions take longer. Timing depends on verification, lender policy, valuations and conditions and is never guaranteed.
Talk through the options
Find a realistic route to your funding goal
Tell us what you are funding, the amount required and the timing. We will explain what information is needed and which lender option may fit.