Use plain-English guides and practical tools to understand lender assessment, prepare a stronger application and choose a finance structure with fewer surprises.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
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 →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 →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.
We organise the information, test lender fit and keep the process moving.
Tell us what the money is for, the amount required, timing, turnover and any existing facilities.
We check cash flow, bank conduct, security and documents before choosing a sensible lender option.
We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.
We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.
No. They provide general information about business 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.
Yes. You may share links to the public pages. Do not copy or republish substantial content without permission.
The GPS Finance blog remains at /blog/ and is linked from the main navigation and resource pages.
Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.