Cash flow gaps are time-critical — get funded in as little as 24 hours  · Free, no-obligation quote
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We've got your details.

A GPS Finance specialist will call you within 1 business hour to discuss your options.

Cash flow — act before it costs you

Fix Cash Flow Fast.
Funded in 24 Hours.

Free quote · No credit impact · Specialist calls back in 1 hour

Mobile verified
🔒 No credit impact ✓ Free broker service ✓ ASIC licensed
Cash Flow Urgent

Fix Cash Flow Fast.
Funded in 24 Hours.

A cash flow gap at the wrong moment costs you clients, staff and opportunities. GPS Finance connects you with specialist lenders who move fast — decisions in 24 hours, funds the same business day for amounts under $150K.

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Up to $750K available
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Decisions in as little as 24 hours
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Bank statements only under $150K
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No property security required
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Defaults and credit issues OK
24hr
Min. decision time
$750K
Unsecured limit
4.9★
Trustpilot
Situations We Fund

Your situation is solvable.

These are the scenarios our lender panel is built for. None of these are automatic declines.

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Payroll Shortfall

Cash tied up in unpaid invoices while payroll is due? Short-term cash flow finance bridges the gap without disrupting your team.

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Slow-Paying Debtors

Invoice finance and debtor funding lets you unlock the cash sitting in outstanding invoices. No need to chase — draw what you've already earned.

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Stock Purchase Opportunity

Supplier offering a bulk discount but timing doesn't align with cash reserves? A fast cash flow loan captures the saving.

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Tax Obligations

BAS payments, GST and PAYG obligations don't wait. Cash flow finance keeps you compliant without derailing operations.

The Process

From enquiry to funded — fast

01

Submit your details

Your situation, approximate amount, basic business info. Under 3 minutes.

⏱ 3 minutes
02

Specialist calls you back

A GPS Finance specialist calls within 1 hour to understand your scenario and match you to the right lender.

⏱ Within 1 hour
03

Conditional offer

Approval in as little as 3 hours — with no credit enquiry placed yet. See your options, no obligation.

⏱ As little as 3 hours
04

Funds in your account

Under $150K: typically bank statements only. Funds transferred the same business day on approval.

⏱ Same-day available
Get My Finance Options →
Eligibility

Most businesses qualify

Revenue and trading history carry more weight than credit score.

Active ABN or ACN

Sole traders, companies, trusts and partnerships all considered.

4+ Months Trading

Most products require at least 4 months trading history.

$12K+ Monthly Revenue

Minimum $12,000 monthly turnover for most working capital products.

All Industries Considered

Construction, hospitality, transport, retail, trades and more.

Credit Issues Considered

Defaults and judgements assessed case by case — not automatic disqualifiers.

ATO Debt Accepted

Outstanding tax obligations are explicitly accepted by several lenders.

Client Story
★★★★★

"We had $380K in outstanding invoices and couldn't make payroll. GPS Finance arranged a facility within 36 hours that covered us and gave us breathing room for the following quarter."

Sandra K.
Labour Hire Business · Victoria
Cash Flow Facility · $150,000
FAQ

Common questions

Call us on (02) 8313 3879

Get My Options →

What is a cash flow loan?

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A cash flow loan is a short-term business loan based on your revenue and trading history rather than assets. It provides working capital to bridge gaps between receivables and outgoings.

How fast can I get a cash flow loan?

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Under $150K: same-day funding is possible with bank statements as the primary documentation. Larger amounts typically take 24–48 hours.

Do I need to put up security?

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For most cash flow products under $750K, no property security is required. Lending is assessed against business revenue and account conduct.

Will applying affect my credit score?

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An initial conditional assessment can be done without a credit inquiry. A formal check only occurs when you choose to proceed.

What if I have ATO debt or defaults?

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Both are considered. ATO debt and prior credit issues are common in cash flow situations and don't automatically disqualify you.
Free · No Obligation · Fast Decisions

Don't let cash flow
cost you the business.

Get a free, no-obligation quote from a GPS Finance specialist. Funded in as little as 24 hours.

Get My Finance Options →
No credit checkFree broker serviceASIC licensedFast decisions
⚡ Fix Cash Flow — Get Funded Today Free quote · No credit impact · 24hr funding