Commercial finance solutions

Business Finance Solutions for Australian SMEs

Compare business loans, lines of credit, asset finance, invoice finance and commercial property funding through one broker-led process. GPS Finance Group helps Australian business owners choose a structure that matches the purpose, repayment source and timing.

Request a finance assessment Call (02) 8313 3879

Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

  • Authorised Credit Representative
  • AFCA member 119860
  • Australia-wide lender access
  • No credit check now
Finance options

Business finance products organised by the job they need to do

Each structure solves a different problem. The assessment should start with your business need, not a lender application form.

Cash flow

Business loans and working capital

Term loans, revolving lines of credit and short-duration facilities for stock, payroll, tax obligations, supplier payments and growth.

Explore working capital →
Assets

Equipment and vehicle finance

Funding for vehicles, machinery, technology, fit-outs and productive equipment with terms aligned to the useful life of the asset.

Explore equipment finance →
Receivables

Invoice and debtor finance

Turn approved unpaid invoices into earlier cash flow when customer payment terms create a funding gap.

Explore invoice finance →
Property

Commercial property finance

Purchase, refinance or release equity from commercial property for owner-occupied and investment purposes.

Explore property finance →
Bank alternatives

Non-bank business lending

Specialist lenders can assess turnover, bank conduct, contracts, assets and receivables differently from a major bank.

Compare non-bank pathways →
Urgent need

Fast business finance

When timing matters, a clean submission and the right lender can shorten the path to a decision. Fast never means automatic.

Understand fast finance →
Overdraft-style

Business overdrafts

Compare business overdrafts and alternatives for short-term cash-flow gaps.

Explore overdrafts →
Tax pressure

Business loan with ATO debt

Understand how tax arrears and payment plans affect lender assessment.

ATO debt guide →
Choose by purpose

Which business finance product fits the job?

A business loan should solve a defined funding problem. Using a short-term facility to buy a long-life asset can create repayment pressure. Using a five-year loan for a temporary cash gap can leave debt in place after the need has passed.

Start with four questions: what is being funded, how long the benefit will last, what will repay the debt, and what security is available. Those answers narrow the lender and product set quickly.

Compare properly

What should you compare besides the interest rate?

Business finance pricing can include establishment fees, line fees, drawdown fees, early repayment costs, broker fees, legal fees and valuation costs. Repayment frequency can also change cash flow pressure even when the stated rate looks attractive.

  • Total dollars payable over the expected holding period
  • Whether interest applies to the approved limit or only the amount used
  • Personal guarantees, property security and PPSR registrations
  • Early repayment, redraw and renewal conditions
  • Reporting covenants and ongoing information requirements
How it works

A clear path from enquiry to lender decision

We organise the information, test lender fit and keep the process moving.

1

Explain the funding need

Tell us what the money is for, the amount required, timing, turnover and any existing facilities.

2

Test lender fit

We check cash flow, bank conduct, security and documents before choosing a sensible lender option.

3

Package the application

We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.

4

Compare and decide

We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.

Frequently asked questions

Questions business owners ask before applying

Yes. The useful comparison is wider than lender name. It should cover product structure, total cost, security, repayment pattern, approval conditions and the lender’s appetite for your industry and transaction.

No credit check now. A lender can check later only if you choose to apply and say yes.

Borrowing capacity depends on turnover, cash flow, profitability, existing commitments, conduct, security, industry risk and the purpose of the funds. There is no reliable amount based on turnover alone.

Yes. GPS Finance Group is based in Sydney and works with eligible business borrowers across Australia.

Keep researching
Solution

Business line of credit

A revolving facility for short-term cash flow needs.

Read more →Problem guide

What to do after a bank decline

Understand the reason, repair the application and consider alternatives.

Read more →Application guide

Prepare a lender-ready document pack

Reduce delays by supplying the right evidence first time.

Read more →
Talk through the options

Find the finance structure that fits the job

Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.

Request a finance assessmentCall (02) 8313 3879
Get Finance Options