Use plain-English guides, calculators and real-world scenarios across personal loans, car finance, novated leasing and business finance. Understand lender assessment, compare structures and prepare before deciding whether to apply.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
Reverse-engineer the implied finance rate in a novated lease quote or calculate the contractual lease rental from a known rate, residual and payment schedule.
Check a novated lease quote →Compare estimated ATO GIC with business loan or line-of-credit cost, fees, term and repayment pressure.
Use the calculator →Estimate the one-off working capital impact of moving super payments to payday from 1 July 2026.
Use the calculator →Understand EBITDA, add-backs, debt service and lender buffers.
Read the guide →Prepare the evidence most lenders request before submission.
Open the checklist →Start from the real-world problem: bank decline, cash-flow gap, unpaid invoices, equipment purchase or urgent payment pressure.
Browse scenarios →Diagnose the decline before approaching another lender.
Read next steps →See how lender fit changed the outcome in one de-identified case.
Read the case study →Start with project leverage, developer equity, GRV, cost-to-complete, QS drawdowns, presales and exit before comparing development lenders.
Open the development hub →Read longer articles, market explanations and finance commentary on the GPS Finance blog.
Visit the blog →Questions business owners ask about loans, overdrafts, credit files, ATO debt and documents.
Open FAQ hub →Understand overdrafts, lines of credit and other short-term cash-flow structures.
Read guide →How lenders may assess tax debt, payment plans and lodgement status.
Read guide →Prepare common applicant, income, debt, vehicle and seller information before a car-finance assessment.
Open the checklist →Review the likely reason, vehicle fit and application facts before deciding whether to apply again.
Read next steps →Prepare common identity, income, expense, debt and purpose information before a personal-loan assessment.
Open the checklist →Review affordability, credit information and lender fit before another formal application.
Read next steps →Compare total cost, asset policy, documents, term, balloon and flexibility instead of looking at the headline rate alone.
Compare the routes →See what lenders may assess when equipment, fit-out and ramp-up funding are required together.
Read the scenario →Work through equipment, fit-out, lease and working-capital considerations before choosing a finance structure.
Read the scenario →Commercial lenders do not rely on one score. They combine financial performance, bank conduct, credit history, security, transaction purpose and the quality of the supporting information.
For general business funding definitions, see business.gov.au. For credit licensing and representative information, see ASIC. For personal credit reports, see Moneysmart.
Property finance changes materially once the transaction includes development risk. Use the commercial-property hub for completed assets and the construction-finance hub when leverage, project cost, builder/QS evidence, presales and completion risk need to be assessed together.
For consumer finance, start with the repayment calculator and then use the relevant preparation or declined-application guide before deciding whether a formal lender application is appropriate.
We organise the information, test lender fit and keep the process moving.
Tell us the purpose, amount, timing and anything unusual about the application. For consumer lending that may mean income, employment and existing debts; for business finance it may also include turnover, cash flow and existing facilities.
We assess the facts that matter for the relevant product — income and affordability, credit conduct, employment or business cash flow, security where relevant, and the documents needed — before choosing a sensible lender path.
Where a formal application makes sense, we present the purpose, numbers, supporting evidence and material risks clearly so the lender can assess it without avoidable gaps.
We explain the lender option, structure, repayment or total cost, conditions and trade-offs before you decide whether to proceed.
No. They provide general information about finance and lender assessment. They do not consider your personal objectives, financial situation or needs.
Core pages are reviewed periodically and link to official sources where rules or definitions may change. Product policy and pricing should always be checked at application time.
Start with the page closest to the decision you are making: a calculator for repayment planning, a scenario for a specific funding problem, or a lender-assessment guide if you are preparing an application.
No. They can help you understand the assessment and prepare the facts. A lender still decides after reviewing the full application and its current credit policy.
Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.