Most business owners lose sleep over funding. Krishna Neelamraju spent 20 years on the lender side deciding who got the money. Now he works for you.
I spent more than 20 years on the lender side of the desk. Reviewing applications. Structuring credit. Sitting in approval committees at institutions including Rabobank, De Lage Landen, CNH Capital, Sundaram Finance, and ICICI Bank. I worked on submissions as large as AUD 200 million.
What I saw consistently was this. Good businesses with strong cash flow were getting slower approvals, worse terms, and more conditions. Not because they did not deserve better. Because their submissions were not built the way lenders needed to see them. The risk framing was wrong. The document pack was incomplete. The wrong lender was chosen for the deal.
That kept good business owners awake at night. Unnecessarily. GPS Finance Group exists to fix that. When I review your application, I already know what the analyst on the other side will look for, what will concern them, and how to address it before they ask. I know because I used to be that analyst.
Better lender. Better deal. Better business. That is the only outcome worth working toward.
Most commercial finance brokers focus on access. Connect you to a lender, collect a commission, move on. GPS Finance Group focuses on outcomes. Understanding the credit decision, positioning the application, and finding the lender whose appetite actually fits your business today.
Krishna spent 20 years reviewing business loan submissions from the institutional side. Every application GPS Finance Group submits is built with that reviewer mindset. Most brokers guess what lenders want. Krishna knows.
Clean facility structure. Solid serviceability analysis. A credit narrative that addresses lender concerns before they become questions. A well-built submission reduces conditions as well as improving approval probability.
Two decades across healthcare, education, transport, construction, agriculture, and professional services means Krishna understands how lenders assess sector-specific risk. The framing that works for a hospitality business does not work for a medical practice. We know the difference.
GPS Finance Group is deliberately small. Krishna personally reviews every submission before it goes anywhere. Your deal is not handed to a junior for processing. It starts at the top.
Every credit file has something a generalist analyst would flag. Whether it gets addressed in the submission or discovered mid-assessment determines whether you get an approval or a decline. Krishna finds it first.
The businesses that come back to GPS Finance Group do so because we invested in understanding their credit profile, their industry, and their structure from day one. That investment compounds over time.
Credit Manager at Director level. Led a team of 12 analysts. Oversaw credit submissions up to AUD 200 million across construction, transport, healthcare, and agricultural equipment portfolios. Australia-wide.
Associate Director on secondment. Assessed large-scale lending proposals for agribusiness and corporate clients. Drafted and presented credit memos directly to approval committees.
Structured and managed a USD 2.28 billion cash flow lending portfolio spanning term loans and securitisation. Led due diligence across 240,000 business loan documents in 400 locations nationwide.
Deputy General Manager, Credit. Led a 19-person team across retail and SME lending. Introduced analytics-driven credit processes that reduced early delinquencies by 70% and improved documentation quality by 54%.
Credentials: Chartered Accountant (CA ANZ) · Fellow Chartered Accountant (India) · Oxford Executive Leadership Program · Moody's Certified Credit Trainer · Winner, 2019 Innovation Challenge (AI-driven fraud detection)
We are compensated by lenders via upfront commission on settlement of a facility. This is the standard commercial finance broker model in Australia. You pay nothing for our assessment, submission work, or lender negotiation.
The commission amount does not vary based on the interest rate we secure for you. We have no financial incentive to recommend a higher-rate product. Our incentive is to find the right lender for your deal, because that is what generates referrals and repeat business over a 20-year career.
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 profile.
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.
The bottom line: We earn when you settle a facility you are genuinely happy with. Not when we 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.
