Your clients are losing sleep over cash flow right now. The ones who plan for Payday Super, manage their working capital gap, and find the right finance structure before they need it urgently will be fine. You can be the advisor who makes that happen.
These are capital structure issues, not compliance failures. The advisor who identifies the structural funding gap early and brings a solution before the ATO notice arrives becomes permanently indispensable to that client.
The SG rate has reached its legislated ceiling. Businesses that have not adjusted pricing, billing cycles, or working capital reserves to absorb the cumulative increase are feeling it in their cash position right now, often without understanding why.
Super must be remitted on every payday. Not quarterly. For businesses managing cash on a 90-day super float, this is a structural shift equivalent to adding a 25th payroll per year. Most of your clients have not modelled this yet.
Most SMEs invoice on 30-60 day terms but face payroll and super obligations every fortnight. The gap between when cash arrives and when obligations fall due is widening. The businesses most at risk often look fine on paper.
Businesses with existing ATO debt arrangements face compounding pressure as new super remittance obligations land on top of current repayment schedules. The advisor who gets ahead of this conversation wins the relationship.
You see the financials before any lender does. You know which clients are approaching a cash compression event. We help you solve it before it becomes a problem, and before another advisor steps in with a solution you could have provided.
You see payroll runs, super obligations, and cash flow in real time. The Payday Super transition will hit your clients before most accountants notice. You can be the first call that prevents a compliance failure rather than the cleanup call after it.
You run the obligations directly. When payroll goes out on time but super cannot, the problem lands on your desk. We help you offer a structural solution, beyond a sympathy call and a referral to a bank that takes six weeks to respond.
Your clients hire you to see around corners. Adding working capital and cash flow structuring to your advisory offering without taking on credit risk in your own practice is exactly what a GPS Finance Group partnership enables.
Business acquisitions, property transactions, and restructuring events all generate finance needs. Krishna handles the credit structure so you can stay focused on the legal and commercial dimensions without managing a broker who does not understand your transaction.
If your clients face sector-specific capital challenges, healthcare equipment, education infrastructure, transport fleet upgrades, Krishna brings specialist credit knowledge you can refer with confidence rather than sending them to a generic broker.
Your client stays your client. Krishna works alongside you, not around you. He never contacts your client directly without your knowledge and never positions GPS Finance Group as a competing advisor.
If a client has an ATO payment plan issue, a working capital gap, and a super compliance risk, Krishna maps the right structure for the full situation, not the facility that is easiest to place.
Some situations need a response in 48 hours. Others require three weeks of credit preparation. Krishna is transparent about timelines upfront and communicates clearly to you and your client at every stage.
Every communication to your client reflects on your practice as well as GPS Finance Group. Krishna writes, speaks, and presents at the level of a senior financial professional, because that is what 20 years in institutional credit produces.
GPS Finance Group has no volume targets with any lender. Krishna selects based on credit appetite, pricing, and product fit for each specific deal, including lenders used infrequently if they are the right fit for your client.
Once you make the introduction, Krishna handles the full process. Assessment, credit framing, lender submission, conditions management, settlement. You receive a brief update at each milestone. Nothing lands back on your desk unexpectedly.
I referred a construction client who had been declined twice. Krishna came back within 24 hours with a clear analysis of why they had been declined and what needed to change. That level of transparency is rare. Most brokers just say they are working on it.
Accountant, Sydney
My client had ATO debt and thought they could not get finance. Krishna structured the application correctly, addressed the debt proactively in the narrative, and got them approved. I looked like a hero for making the introduction.
Bookkeeper, Melbourne
What stands out is that Krishna genuinely understands credit, beyond finance products. He thinks like a lender. His submissions actually get approved. That is what my clients need.
CFO Advisor, Brisbane
A 15-minute call with Krishna is enough to understand whether a partnership makes sense for your practice and your clients. No obligation. No pitch deck.