About GPS Finance Group

A Credit-Led Business Finance Brokerage

GPS Finance Group helps Australian businesses navigate lenders, structure applications and make better-informed borrowing decisions. The approach is shaped by more than 20 years in banking, corporate credit and equipment finance.

Request a finance assessment Call (02) 8313 3879

Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

  • Authorised Credit Representative
  • AFCA member 119860
  • Australia-wide lender access
  • No credit check now
Finance options

What may fit your situation

Credit judgement

Start with repayment capacity

The first question is whether the proposed debt can be repaid under realistic trading conditions.

Lender navigation

Choose policy fit before application

A well-presented file can still fail with the wrong lender. We test appetite, structure and evidence first.

Clear communication

Explain the decision, not only the result

Clients should understand the conditions, total cost, security and downside before accepting finance.

Founder

Krishna Neelamraju, founder and credit specialist

Krishna has worked across corporate and asset finance with Rabobank Group businesses, DLL, CNH Capital and Toyota Finance. His experience includes complex credit analysis, equipment and inventory finance, due diligence, documentation and leading credit teams.

GPS Finance Group was created to bring institutional credit discipline to smaller business transactions without forcing business owners to speak in bank language.

Our role

A GPS for your finance needs

We explain the available routes, the information each route requires and the trade-offs along the way. Sometimes the right path is a bank. Sometimes it is a specialist non-bank lender. Sometimes the right advice is to change the amount, timing or structure before applying.

We do not guarantee approval or pretend every business should borrow. A useful broker gives a realistic assessment early.

How it works

A clear path from enquiry to lender decision

We organise the information, test lender fit and keep the process moving.

1

Explain the funding need

Tell us what the money is for, the amount required, timing, turnover and any existing facilities.

2

Test lender fit

We check cash flow, bank conduct, security and documents before choosing a sensible lender option.

3

Package the application

We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.

4

Compare and decide

We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.

Frequently asked questions

Questions business owners ask before applying

No. GPS Finance Group is a finance brokerage and credit representative. We arrange and assist with finance applications through third-party lenders.

Growth Partners Structured Finance Pty Ltd is an Authorised Credit Representative, CRN 000575797, of AFAS Group Pty Ltd, Australian Credit Licence 414426.

GPS Finance Group is based in Birchgrove in Sydney’s Inner West and works with eligible clients across Australia.

Core sectors include trades and construction, transport, healthcare, education, hospitality, professional services and B2B wholesale, manufacturing and distribution.

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Solutions

Business finance solutions

Explore working capital, equipment, invoice and property finance.

Read more →Partners

Partner program

Referral support for accountants and advisers.

Read more →Contact

Contact GPS Finance

Speak directly with the founder.

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Talk through the options

Find the finance structure that fits the job

Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.

Request a finance assessmentCall (02) 8313 3879
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