GPS Finance Group was built on a simple idea: that Australian businesses deserve the same rigour in their finance applications that institutional lenders apply when they assess them.
I founded GPS Finance Group because I spent two decades on the other side of the desk — reviewing, structuring, and approving business finance applications across consumer, corporate, and commercial lending. And what I saw, time and again, was that the quality of advice the borrower received before they submitted an application made all the difference.
Good businesses with strong cash flow were getting slower approvals, more conditions, and worse terms — not because they did not deserve better, but because their submissions were not positioned to match what lenders actually needed to see. The risk framing was off. The document pack was incomplete. The lender chosen did not match the deal profile.
GPS Finance Group was built to close that gap. My background spans structured credit analysis, cash flow assessment, policy compliance, complex borrower structures, and deal-level credit approval authority — including transactions up to AUD 200 million in commercial and corporate portfolios.
That experience translates directly into every client engagement we take. When we analyse your business and structure a submission, we already know exactly what the analyst reviewing it is going to ask — and we have anticipated and addressed it before the application lands on their desk.
Most finance brokers focus on access — connecting clients to lenders and collecting commissions. We focus on outcomes — understanding the credit decision, positioning the application, and fighting for the best structure.
Led credit submissions and approvals across corporate and commercial portfolios, including individual transactions up to AUD 200 million. This is direct experience in how lenders think and decide — not theoretical knowledge.
Strong focus on facility structure, security positioning, serviceability analysis, covenant framing, and lender-specific narrative. A clean, well-argued submission dramatically increases approval probability.
Experience across healthcare, education, transport, construction, agriculture, renewables, and B2B services — meaning we understand how lenders assess sector-specific risk, not just generic serviceability.
You work directly with the founder on every engagement. This is not a volume brokerage where your deal gets handed to a junior for processing. Every case gets the same analytical rigour — regardless of deal size.
We identify issues before they become problems — in the credit analysis, document pack, and lender selection. Most delays and declines are avoidable with the right preparation.
We are not transactional. We aim to be the finance advisor businesses return to at every stage of growth — because we have invested in understanding their structure, their industry, and their credit profile.
We believe in full transparency about how GPS Finance Group earns revenue, because it directly affects how you should evaluate our advice.
We are compensated by lenders via upfront commission and, in some cases, trail commission — paid on settlement of a facility. This is the same model used by most commercial finance brokers in Australia. You do not pay us a fee for our assessment, our submission work, or our lender negotiations.
The commission amount does not vary based on the interest rate we secure for you — meaning we have no financial incentive to recommend a higher-rate product. Our incentive is to secure an approval from the lender most likely to say yes, at the best terms achievable, because that is what generates referrals and repeat business.
We do not receive payments from lenders in exchange for directing volume to them. Lender selection is based entirely on credit appetite, pricing, and fit for your specific deal.
For certain non-standard or complex facilities, an application or preparation fee may apply. This will always be disclosed in writing before you commit to proceeding.
What this means for you: Our interests are aligned with yours. We earn when you settle a facility you are genuinely happy with — not when you submit an application that gets declined.
Trading Name: GPS Finance Group
Legal Entity: Growth Partners Structured Finance Pty Ltd ATF Phadke-Neelamraju Family Trust
ABN: 91 480 780 022
Credit Representative Number: 000575797
Licensee: AFAS Group PTY LTD (ACL 414426)
AFCA Member ID: 119860
FBAA Member: Finance Brokers Association of Australia
Aggregator: Optimise Aggregation
All credit activities are conducted in accordance with the National Consumer Credit Protection Act 2009, ASIC Regulatory Guides 234 and 126, and the Privacy Act 1988.
