Plain-English Australian finance articles across personal loans, car finance, business finance, ATO debt, commercial property, construction and development finance, and novated leasing. Start with your situation, then understand lender fit, structure, cost and the next step.
Practical answers to real borrower, business-owner, investor and developer questions, with clear lender-assessment logic, useful tools and relevant next steps.
A business-finance broker can compare lender policies and structures before a formal application, which can help reduce poor-fit submissions. Costs, commissions, rates and credit-e…
Small-business finance in Australia includes term loans, lines of credit, asset finance, invoice finance, working-capital facilities and commercial property finance. The right prod…
A merchant cash advance provides upfront capital that is repaid from future sales or receivables under the provider's structure. Because pricing and repayment mechanics differ from…
Online businesses can access business finance in Australia, but lender fit depends on trading history, recurring revenue, bank-account conduct, margins, existing commitments and th…
Bank finance for a startup is generally harder to obtain because the lender has limited trading evidence to assess. Approval can depend on director financial strength, security, ex…
New businesses can sometimes obtain finance, but lender options are usually narrower because there is less trading history. Directors may need to provide stronger evidence of exper…
Startup finance can come from founder capital, asset finance, specialist business lending, grants or equity, depending on what is being funded and how much trading evidence exists.…
Startup funding is usually harder to obtain from mainstream business lenders because there is little or no trading history. Available options depend on director strength, equity, s…
Company vehicle finance should be assessed on more than the monthly repayment. Ownership, business use, term, balloon or residual, GST and tax treatment, FBT exposure and total cas…
Business vehicle finance can be structured in several ways, including chattel mortgage and lease-style products. The suitable structure depends on ownership, tax and accounting tre…
Practical finance guides, calculators and lender insights from GPS Finance Group for Australian borrowers and businesses.