Business Loans
Flexible Funding To Keep Your Business Moving
Drive Growth, Stability and Opportunity With a Business Loan
Running a business means experiencing constant demands on your time, cash flow and resources. From managing staff and sales to looking after customers and day-to-day operations, it can feel like you’re being pulled in every direction at once.
With so much happening, finding the space to focus on growth is not always straightforward. Cash flow pressures, unexpected challenges and the lending limitations of traditional banks can quickly make opportunities feel out of reach.
GPS Lending will connect you with business loans tailored to your circumstances. With a focus on speed, clarity and personalised service, we can arrange access to the funding your organisation needs to move forward with confidence.
Call Today For a Free, No-Obligation Chat About Your Business Loan Options
Why You Need a Business Loan
You can try applying to the bank for a loan yourself, but this is a time-consuming and overwhelming process, and your application may be rejected because you’re not adequately prepared. That’s where the support of a broker from GPS Lending makes all the difference.
Instead of taking a one-size-fits-all approach and making you adapt to suit the conditions of a company loan, we work with dozens of business lenders to find the right finance for your situation. The guidance you receive is fully personalised, and solutions are designed to meet your needs.
Are You Tired of Battling With…
Lack of Cashflow?
Cash flow issues can hit even the strongest businesses. From seasonal slowdowns to new asset costs and unexpected expenses, running out of working capital can quickly stall your plans.
Confusing Borrowing Options?
Banks and lenders advertise endless finance products, each with different terms, interest rates and conditions. Choosing the wrong one can leave you managing unnecessary expenses or repayments that don’t fit your business cycle.
Roadblocks to Growth?
Expanding into a new location, upgrading equipment, or taking on larger contracts all require capital. But too often, traditional lenders make growth difficult by demanding excessive security or declining businesses that don’t fit a rigid mould.
As trusted business loan specialists, GPS Lending gives you the financial support and guidance you need to move your business forward. By navigating the lending process on your behalf, we help you access the right funding solutions, protect your cash flow, and unlock opportunities for sustainable growth.
Get Tailored Business Loan Solutions for Your Organisation
Commercial Loans: Who We Help
Whatever your industry, trade or business structure, if you’re one of Australia’s 2.7 million businesses, GPS Lending can help your operation secure the right funding to thrive. Our clients include:
Startups
Connect with commercial lenders for new enterprises and access tailored startup business loan solutions to build your business or buy into one.
Growing businesses
Work with an SME business loan broker to expand your operation with new vehicles, equipment or working capital, without disrupting your cash flow.
Established businesses
Move to the next level or tap into the funding required to secure a major contract.
Sole traders
As brokers for sole traders, we can help you get the funds you need to launch or grow your new venture.
Partnerships
Access the finances required to turn your business ideas into reality; talk to GPS lending about a fast business loan.
Franchises
Start your journey as part of an established brand. Review franchise loans with a broker from GPS lending and choose the option that’s right for you.
Specialised industries
From low-doc business loans to niche equipment loans, we secure finance where banks say no.
We can support you no matter where you’re based in Australia, catching up with you via phone, email or video call.
Find Out How We Can Help Your Business
Your Business Borrowing Options
Business loans are different from personal loans in their structure, interest rates and repayment requirements. We’re looking forward to helping you secure the right company loan for your needs.
Term Loans
A business term loan provides a set amount of funding that’s repaid over an agreed period, with regular repayments required. It can be an unsecured or secured commercial loan and is ideal for businesses that need capital to expand, purchase stock or fund long-term projects. While this loan is flexible, you must plan ahead to make the repayments.
Business Overdrafts
A business overdraft gives you access to extra funds when your balance runs low. It’s a flexible safety net that ensures you can cover expenses, pay suppliers or manage unexpected costs. However, these loans aren’t cost-effective for lump-sum purchases due to typically higher interest rates.
Lines of Credit
A business line of credit is like a credit card for your business. You can draw funds when you need them, only paying interest on the amount used. Many businesses use this option as a backup for cash flow management or to seize opportunities quickly. Unlike an overdraft, a line of credit offers a more structured approach with pre-agreed terms. It may also include a more stringent approval process.
Invoice Financing
With invoice financing, you can unlock cash tied up in unpaid invoices. Instead of waiting weeks for clients to pay, you receive funds upfront, helping you maintain cash flow, pay staff, and cover operational costs without needing to rely on more costly forms of credit. Fees are involved, but this presents the trade-off between cost and rapid remittances.
Fit-Out Finance
If you’re setting up a new premises or refurbishing an existing one, specialist fit-out finance helps cover the cost of builders, shopfitters, and other setup expenses. This option requires detailed information about the scope of your project before approval is granted. However, it allows you to spread costs and avoid draining your working capital.
Low Doc Business Loans
Need a small business startup loan but don’t have a strong business history? Talk to GPS Lending’s SME borrowing experts about how you can tap into funding without the need for extensive proof of income or the risk of securing a loan against your property.
Unsecured Business Loans for New Business
Never say never. We can work with you to secure a fast, unsecured business loan even, if you don’t have assets to borrow against. This requires strategic planning and awareness of repayment costs, but can be an excellent way to launch your venture’s next chapter.
Let Us Point You in the Right Direction
Business Loans: How It Works
As your dedicated loan brokers, we’ll be with you every step, navigating the process to secure a quick business loan that aligns with your needs.
Step 1 - Tell Us About Your Business
We start with a conversation about your goals, cash flow and funding needs. Whether you’re looking for a term loan, line of credit or invoice financing, we’ll guide you through your options and help you understand what repayments will look like.
Step 2 - We Compare Lenders and Loans
Instead of being restricted to one bank or business lender’s criteria, we search across a wide panel of lenders to find a business loan that suits your needs and budget.
Step 3 - Review Your Options
We match you with funding options that align with your industry, structure and stage of growth, then review the potential frontrunners with you in detail.
Step 4 - Application & Approval
We gather the documentation required to submit your company loan application and can often confirm approval in a matter of hours.
Step 5 - Settlement & Funding
Funds are released quickly and securely to your business account for you to use to grow your business.
Step 6 - Ongoing Support
You can keep in touch with us for help managing your loan, finalising it and exploring other funding options.
Why Choose GPS Lending for Your Business Loan
At GPS Lending, we know that your business needs the right support. We’re here to act as your navigator for borrowing, showing you what’s possible and helping you access the finance you need without the stress or headaches.
With Us, You’ll Benefit From:
Personal guidance
You deal directly with an experienced broker who brings several years of finance industry experience and a genuine passion for helping businesses succeed.
Access to a range of lenders
From major banks to specialist lenders, we provide choice and flexibility to secure the right business loan for you.
Tailored business loan solutions
Whether you need a business overdraft, fit-out finance or working capital support, we customise funding to match your goals.
Flexible borrowing options
Looking for a low-interest business loan, a low-doc option or support for a complex borrowing scenario? We’ll find a solution.
Fast approval
Our record is 46 minutes from application to approval. Test us to see how quickly we can arrange your loan.
A professional broker you can depend on
From franchise funding to cash flow support, we’ve helped businesses across Australia access finance that drives growth.
Want Funding Designed for Business Growth?
Our Lenders
We have longstanding relationships with a number of business lenders, including:
And More! Tired of Banks Saying No?
What Our Clients Say
Peter & the team at GPS Lending have been incredible. I have used their services to secure finance for myself and also clients and colleagues of mine. The quickest turnaround time, prompt replies & top customer service. Peter was able to help educate me on my options and ensure I was picking the product best suited to my goals. Highly recommend Peter and GPS Lending for all lending needs, the team were amazing at helping to navigate me through the process. Much appreciated guys!
— Kristy
What I love about Peter and his team is that they really listen, he genuinely cares, and most of all, I had 100% trust in the whole process. What started off with a small investment has allowed me to increase my productivity and profitability, and I wouldn’t have been able to do so without the guidance of Peter. 12/10 in my eyes
— Nathan
Join Our Collective of Happy Clients
GPS Lending: Navigating Your Way Through The Lending World
Arranging funding for your business on your own can be confusing and time-consuming, taking you away from the day-to-day running of your operation.
GPS Lending will be by your side.
As your business loan navigators, we’ll guide you through the complex world of lending and secure the most suitable option for you. This will open the door to the success you’re looking for, giving you the flexibility to take exciting new steps or apply for major contracts.
Business Loan FAQs
Can I Get a Business Loan if the Bank Has Already Said No?
Yes. Many of our clients come to us after being declined by a bank. Because we work with a large panel of business lenders, we can often find solutions for tricky or non-standard applications that traditional banks won’t approve.
How Quickly Can I Get Approved for a Business Loan?
Turnaround times depend on your circumstances and the type of loan, but approvals can be much faster than you might expect. With low-doc or unsecured loans for small businesses available from our network of lenders, we can find a solution to meet your needs.
Do I Need To Provide Property As Security for a Business Loan?
Not always. For larger loan amounts, lenders may prefer security such as property, but many of our clients lock in funding with unsecured applications that only require bank statements and ID.
Can Startups Apply for a Business Loan?
GPS Lending can source options for startups as well as established businesses. While funding for new businesses can be more challenging, we have lenders who are willing to support startups with low-doc loan options.
What Size Business Loan Can I Apply For?
Loan sizes vary widely, from smaller amounts of $20,000 for working capital or equipment, to larger loans of over $1 million for expansion or franchise loans. We’ll work with you to find the right solution for your situation.
Can I Get a Bad Credit Business Loan?
It’s possible to get a business loan, even if you have bad credit, although conditions and criteria will apply. Talk to us about business loans today to find out what’s possible for you.