Planning finance for your business?
Discuss the funding purpose, cash flow and repayment strategy with a specialist.
Eligibility, serviceability, security and lender requirements apply.
Purpose-Based Options
Compare facilities for working capital, equipment, property, invoices, trade and business growth.
Cash-Flow Assessment
We review historical performance, current commitments and forecast cash flow against proposed repayments.
Bank and Non-Bank Lenders
We compare relevant bank and non-bank policies, security requirements, costs and facility structures.
Business Finance for Cash Flow, Assets and Growth
Business finance should match the purpose, timing and cash-flow profile of the expense being funded. GQ Finance compares lending options for Australian businesses, from established enterprises to self-employed operators, subject to lender criteria and verification.
Business Loan Options
Depending on the need, options may include term loans, lines of credit, overdrafts, equipment finance, commercial property loans, invoice finance, trade finance and property-secured facilities. Each structure has different costs, repayment obligations, security and documentation.
Working Capital and Cash Flow
Short-term finance may help bridge timing gaps between supplier payments and customer receipts, but recurring shortages can indicate a broader profitability or cash-flow problem. A current cash-flow statement and forecast help determine the amount, term and repayment capacity.
Equipment, Vehicles and Expansion
Asset finance can spread the cost of vehicles or equipment, while a term loan may support fit-outs, acquisitions or expansion. The useful life of the asset or project should be considered when selecting the loan term.
What Business Lenders Assess
Assessment can include time trading, industry, revenue, profit, cash flow, bank-account conduct, tax obligations, existing debts, credit history, security, guarantees and the intended use of funds. Low-doc options still require evidence and are not no-document approvals.
Compare the Full Cost
Review interest, establishment and ongoing fees, repayment frequency, security, guarantees, early-repayment terms and default costs. The Australian Government’s business loan guidance explains preparation and comparison steps.
Match Term to Purpose
Short-lived working-capital needs and long-term assets generally require different facility structures.
Understand Security and Guarantees
Property, business assets or personal guarantees may be required and should be independently reviewed.
Our Benefits
A Business Finance Strategy Built Around Cash Flow
We start with the business need and repayment source, then compare suitable facilities rather than treating every funding request as a standard term loan.
Prepare Before Applying
Common documents include identification, ABN and entity details, recent business bank statements, financial statements and tax returns, BAS, existing debt schedules, cash-flow forecasts, contracts or invoices and details of any proposed security.
Secured, Unsecured and Guaranteed Finance
Unsecured facilities do not use a specific asset as security, but directors’ guarantees may still apply. Secured facilities can place property or business assets at risk if repayments are not maintained. Obtain legal advice about guarantees and security documents.
Frequently Asked Questions
Can a new business obtain finance?
Options can be more limited because there is little trading history. Lenders may rely more heavily on the business plan, forecasts, industry experience, contracts, deposits, security and the applicants’ financial position.
What is a low-doc business loan?
It uses alternative or reduced evidence under a lender’s policy. It does not mean no checks, no documents or guaranteed approval.
Should I use short-term finance for a long-term asset?
This can create refinancing pressure. The facility term should generally reflect the purpose, expected cash generation and useful life of the asset.
Important: General information only. Approval, pricing and terms depend on lender criteria, purpose, verification and security. Consider accounting, tax and legal advice where appropriate.
Compare Appropriate Facilities
We compare the structure—not only the headline rate—against the business purpose and expected cash flow.
Prepare a Complete Application
Clear financial information, purpose and supporting documents help lenders assess the request efficiently.
Streamlined Application - Approval
Simplifying Success: Streamlined Application-to-Approval for Commercial Loans, Clearing Pathways to Your Business Goals.
How It Works
01
Define the Funding Need
Clarify the amount, purpose, timing and commercial outcome the finance should support.
02
Review Business Finances
Review revenue, expenses, cash flow, liabilities, tax position, security and repayment capacity.
03
Compare Facility Structures
Compare suitable bank and non-bank products, pricing, terms, security and guarantees.
04
Prepare Supporting Documents
Compile the financial, entity, bank-statement and transaction evidence required by the lender.
05
Submit the Selected Application
Proceed with the chosen lender, respond to questions and arrange any valuation or legal work.
06
Approval, Funding and Review
Complete conditions and funding, then review whether the facility continues to suit the business.
