GPS Finance Group, Birchgrove, NSW

GPS Finance Group is a Sydney-based business finance broker and commercial finance broker helping Australian businesses find suitable funding from bank and non-bank lenders. Based in Birchgrove in Sydney’s Inner West, we assist eligible businesses across Sydney, New South Wales and Australia-wide.

We work with established businesses, growing SMEs, self-employed borrowers and business owners who need finance for working capital, equipment, property, expansion, refinancing or cash-flow pressure. We can also assist where a business does not fit standard bank lending criteria or has had a business loan application declined.

Business finance services

GPS Finance Group can assist with:

• Business loans for growth, expansion, acquisitions and general business purposes
• Working capital loans to manage operating expenses and cash-flow gaps
• Business lines of credit for flexible access to funds when required
• Business overdrafts and overdraft alternatives
• Secured business loans supported by suitable assets or property
• Unsecured business loans where finance may be available without property security
• Low-doc business loans for eligible businesses with limited current financial information
• Short-term business finance for urgent or time-sensitive requirements
• Business debt consolidation and refinancing
• Non-bank business loans for borrowers who may not meet standard bank policies

Equipment and vehicle finance

We help businesses finance income-producing assets, including:

• Cars, utes and vans
• Trucks and trailers
• Plant and machinery
• Construction equipment
• Agricultural equipment
• Medical and professional equipment
• Technology, office equipment and fit-outs
• Specialised commercial assets

Available structures may include equipment finance, asset finance, chattel mortgages, hire purchase and commercial vehicle finance, subject to lender assessment and eligibility.

Invoice and cash-flow finance

Businesses waiting for customers to pay invoices may be able to access funding through:

• Invoice finance
• Debtor finance
• Invoice discounting
• Invoice factoring
• Accounts receivable finance

Invoice finance can help release cash tied up in unpaid invoices and may support wages, supplier payments, stock purchases and business growth.

Commercial property finance

GPS Finance Group assists with:

• Commercial property loans
• Owner-occupied commercial property finance
• Commercial investment property finance
• Warehouse, office, retail and industrial property finance
• Commercial property refinancing
• Equity release from eligible commercial property
• Property-backed business finance

We can compare options from banks, specialist commercial lenders and non-bank lenders.

ATO debt and difficult finance situations

We assist businesses seeking finance where there may be:

• ATO tax debt
• A business loan application declined by a bank
• Irregular or seasonal cash flow
• Limited security
• Recent business growth
• Existing short-term debt
• A need to refinance expensive facilities
• Financial circumstances outside standard bank policy

Possible solutions may include business loans to pay ATO debt, working capital finance, secured refinancing, non-bank business loans or commercial property-backed finance. Approval is not guaranteed and will depend on the business’s financial position, repayment capacity and lender requirements.

How GPS Finance Group helps

Our process includes:

• Understanding the funding purpose and amount required
• Reviewing the business’s financial position and cash flow
• Assessing available security and repayment capacity
• Identifying suitable bank and non-bank lenders
• Comparing loan structures, costs, terms and conditions
• Preparing a lender-ready business finance application
• Responding to lender questions and information requests
• Supporting the client through approval and settlement

We focus on finding a finance structure that matches the purpose of the funding. For example, long-term assets should generally be funded over an appropriate term, while short-term working-capital needs may require a more flexible facility.

Who we assist

GPS Finance Group works with businesses across a range of industries, including:

• Construction and trades
• Transport and logistics
• Professional services
• Medical and healthcare businesses
• Manufacturing and wholesale
• Retail and hospitality
• Property-related businesses
• Agriculture and regional businesses
• Importers, distributors and service providers

Service locations

GPS Finance Group is based in Birchgrove, Sydney, and assists eligible businesses across:

• Sydney CBD and Inner West Sydney
• Parramatta and Western Sydney
• North Sydney and Northern Beaches
• Eastern Suburbs and Southern Sydney
• Central Coast, Newcastle and Wollongong
• Regional New South Wales
  Melbourne, Brisbane, Adelaide, Perth, Hobart

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• Inner West Sydney
• Birchgrove
• Balmain
• Rozelle
• North Sydney
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• Eastern Suburbs Sydney
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• Parramatta
• South Sydney
• Sutherland Shire
• Hills District
• Central Coast Nsw
• Newcastle
• Wollongong
• Blue Mountains
• Regional New South Wales
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• Hobart
• Launceston
• Australian Capital Territory
• Canberra
• Northern Territory
• Darwin

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