Compare bank, non-bank and specialist lender routes without making multiple applications just to discover who may fit the request.
A growing business had strong turnover but fell outside its bank's policy. We matched the real cash-flow profile to a specialist lender and secured the full facility without waiting through another bank review.
Can suit stronger files where pricing, term and relationship banking are priorities.
Can offer different policy, documentation, speed, security and cash-flow assessment.
Useful where the product needs to match receivables, property, equipment, tax debt or a complex scenario.
An enquiry with GPS Finance does not itself require a lender credit check. A formal lender application may later involve an enquiry with your consent.
No universal rule applies. Pricing depends on risk, product, term, security and the lender. Compare the total facility, not just the lender category.
Sometimes. First identify why the bank declined the request. A different lender only helps if its policy and credit appetite fit the underlying facts.
Start with the amount, purpose and business profile.