Practical guidance, tools, and documentation to help you prepare for a finance engagement, understand how lenders assess applications, and plan for structural changes like Payday Super.
Estimate the one-off working capital uplift required when super moves from quarterly due dates to payday payment timing. Get a practical line of credit buffer estimate and an option to email results to yourself or a client.
Open the Calculator →If you are an accountant, bookkeeper, payroll provider, or business advisor, partner with GPS Finance Group to connect clients to working capital solutions and generate client-ready PDF reports from the Payday Super Calculator.
View Partner Program →The six topics that most frequently determine whether a business finance application gets approved on first read or referred to committee.
How lenders calculate your ability to service proposed debt — EBITDA adjustments, existing obligations, and what "free cash flow" actually means in a credit context.
Read Guide →Why your banking conduct history — dishonours, overdraft usage, ATO payment history — often matters more than your credit score in a commercial credit assessment.
Read Guide →What lenders count as security, at what LVR, and how to structure a security position that supports approval without exposing personal assets unnecessarily.
Read Guide →How lenders interpret your tax returns and management accounts — add-backs, depreciation, director drawings, and what triggers a credit analyst's concern.
Read Guide →The seven most common reasons business finance applications go to committee or come back with conditions — and how proper preparation eliminates most of them.
Read Guide →The documents lenders actually need, in the format they prefer, with the supporting narrative that makes the credit analyst's job easier — and your approval faster.
Read Guide →Our credit guide, quote document, and privacy consent form — provided to all clients at the start of an engagement in accordance with NCCP Act obligations.
Download PDF →Our internal complaints handling policy. If you are not satisfied with our service, this document explains the resolution process and your right to escalate to AFCA.
View Policy →How we collect, store, use, and protect your personal information in accordance with the Privacy Act 1988 and the Australian Privacy Principles.
View Policy →The terms governing use of this website and the calculators and tools available on it.
View Terms →