Compare business finance through one broker enquiry instead of lender-by-lender applications.
Sydney-based support for Australian businesses comparing bank, non-bank and specialist finance for working capital, growth, refinance and other business needs.
- Tell us the amount, purpose and business profile once
- Narrow lender routes before deciding on a formal application
Explore finance options by situation
Use a focused guide to understand the policy and evidence before making a formal lender application.
A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →One application path instead of trial-and-error submissions.
| Going lender by lender | Using a broker comparison |
|---|---|
| Repeat the same information | Tell the story once |
| Learn policy after applying | Screen likely policy fit first |
| Compare offers manually | Compare structure and trade-offs side by side |
| Risk unnecessary enquiries | Formal lender application only when you choose to proceed |
The right finance route starts with the transaction, evidence and repayment source.
A useful broker brief does more than circulate an amount. It identifies what the capital needs to achieve and what a lender will need to rely on.
Define whether the need is recurring working capital, a one-off acquisition, equipment, refinance, tax debt or a time-sensitive settlement.
Match the pathway to available bank statements, BAS, financials, contracts, debtor information and recent account conduct.
Test cash-flow serviceability, guarantees, PPSR or property security and the intended repayment or exit path.
Different capital problems should not be pushed into the same product.
| Business situation | Likely structure to compare | Evidence that matters |
|---|---|---|
| Recurring cash-flow timing gap | Line of credit, overdraft or invoice finance | Bank conduct, receivables and peak funding need |
| Known purchase or expansion cost | Term loan or equipment finance | Quote, contribution, useful life and repayment capacity |
| ATO or existing business debt | Refinance, secured facility or structured term loan | Debt statements, lodgements, conduct and post-refinance cash flow |
| Business acquisition or urgent settlement | Acquisition, property-backed or short-term facility | Purchase terms, contribution, security and credible exit |
Common questions
Do I need to be in Sydney?
No. GPS Finance is Sydney-based and can assist business borrowers around Australia remotely, subject to lender coverage and eligibility.
Does asking GPS Finance for options affect my credit score?
The initial GPS Finance enquiry does not itself require a lender credit check. A formal application to a lender may later involve a credit enquiry with consent.
What information should I provide first?
Start with the amount, purpose, timing, trading history, available evidence, current debts and any security. That is usually enough to identify which funding structures are worth investigating before a formal lender application.
Ready to check the finance options?
Start with the amount, purpose and business profile.