Growth Point Capital

Business and Commercial Lending

At Growth Point Capital with our ability to access over 40 Lenders we have been able to help 86% of our visitors just like you to get financed! Join over 2,000 clients who have borrowed over $3 Billion in the last 3 years alone!

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Shannon has made acquiring assets for our business a hassle and stress free experience. He has been on top of things from start to finish, which has allowed us to carry on running our business.

Cootharaba Earthworx

I had an amazing experience with this company.  In all my years, and after purchasing and owning over 34 cars, this was by far, the easiest experience I’ve ever had with purchasing a car. The customer service was outstanding. Consummate professionals. In all honesty, I would rate them more than five stars if I could.

David K

Dealing with Tiarni is so refreshing. She is professional, efficient and makes the whole process easy and hassle free. She gets deals together that other finance companies advise aren't possible. Communication is excellent and service is outstanding. Wouldn't go any where else. 10/10

Christine Houliston

In my professional career spanning over thirty years, I have dealt with many lenders and finance brokers, and have very rarely worked with someone as caring, as ethical, and as professional as Andre. He is highly recommended and anyone would be lucky to have Andre as their finance broker.

Equity Plus

Sammi went above and beyond to secure the best possible solution. Could not have had a better professional and courteous experience.

Nick T

Andre Dixon was outstanding and helped me from start to finish. Excellent communications and advice. Very highly recommended.

John Vik

Partnering with you for business success

If you’re looking for a loan for your business, our team are experienced at sourcing loans for new business purchases or expansion, commercial and industrial property purchases, and business lines of credit to assist with cashflow.

Alongside our partners, we can assist client growth with debt and equity strategies, growing businesses to either trade sales or IPO’s (Initial Public Offering).

Whether you’re a sole trader, partnership, company, trust or large coporate entity, we will get to know your business, your financials, cash flows and GST structures to ensure we find the right finance solution for you.

A relationship with Growth Point Capital could be the positive difference in your business prospering.

Our business growth managers are here to offer the business funding solutions you are searching for.

Our industry specialties include:

  • Agribusiness
  • Retail
  • Hotel / Motel
  • Pubs / Clubs
  • Mining
  • Property
  • Healthcare
  • Civil Construction

For an obligation free discussion, call or email us today.


How long does it take to get finance approved?

Depending on the size of the loan, once we’ve received all your details and the information required for your loan application, it can be possible to get your loan approved in as little as 24 hours from when it’s lodged.

How much can I borrow?

The amount you can borrow will depend on your business’s ability to service the loan you are wanting to apply for. With a quick phone consultation, our team can assist in calculating this for you so you know exactly how much you can borrow.

Do I need to provide security for the loan?

It is possible to get a secured or unsecured loan depending on lender, the length of time you have been in business and how much you wish to borrow. For funding of up to $150K, generally no asset security is required.

How long will I have to pay off my loan?

Loan terms vary with the type of loan and amount borrowed however a common small business loan term is up to 36 months.

What if I’m a new business, can I get a loan?

Yes, it is possible to obtain a loan if you are a new business or have a new ABN.  If you don’t yet have years of financial figures, there are other things you can provide to prove your business will be able to service a loan. Read our article to find out more.

What can I borrow for?

You can borrow money to buy an existing business or to establish a new one. A business loan can be used to buy assets including cars, trucks and machinery, shop or office fit outs, computer hardware or software and more. You can also borrow money to grow your business to spend on things such as marketing or to buy your own premises.

It’s also possible to get a loan to help you cover the purchase of stock, insurance or expenses such as tax bills or equipment repairs and maintenance. A line of credit or overdraft is also an option that can help with cashflow.

What is a line of credit or overdraft?

A business line of credit is an ongoing source of funding that can be drawn down as required. Once you’ve been approved to access a line of credit, you can draw down on part or all of the funds during the term of the facility, which is usually 24 months. You only pay interest on the money you have used, for as long as you use it. So if you have a $20,000 line of credit, you could draw down $10,000 one week and repay the money the following week, only accruing interest on the money you’ve accessed until it is repaid. It’s a bit like a credit card but may come with lower interest rates and can be a useful safety net if your cash flow is unpredictable.

Can I make additional repayments to pay off my loan sooner?

Yes, if you take out a business loan and would like to pay it off sooner by making additional repayments, our brokers will make sure the loan is tailored to suit you.

How do I apply?

Once our brokers know how much you’d like to borrow and understand your borrowing capacity, they will let you know what information you need to provide to apply for your loan. They will also find some finance options for you and when you’ve decided and give us the go ahead, we’ll lodge the application for you and keep you up to date on its progress. Our goal is to save you time and energy by doing the hard work for you.

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What do I need to provide to apply for a business loan?

How much information you need to provide to apply for a business loan or line of credit will depend on how much you want to borrow and how long you have been in business.

As a business, you will generally need to provide two years of financials including:

  1. Accountant prepared profit and loss statements and balance sheets
  2. ATO portal information
  3. Company Tax Returns

If you are a new business or have a new ABN and don’t have the above information, there are ways to optimise your borrowing capacity. Read our article to find out more.

Can I fix my interest rate?

There are fixed and variable interest rate loans available to businesses. Your broker will be able to provide you with options.

Why should I use a broker rather than go to my usual bank?

Using a broker can save you time and money. We have access to more than 30 lenders so we can look at different options for you rather than just relying on your usual bank. Our brokers keep up to date with the latest products on offer from the various lenders so they will make sure you are provided with the best finance solution for your needs. We also do the legwork for you when it comes to getting a loan, liaising with the lender on your behalf, saving you time and energy.

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Finance Products

Some of the Finance Products we offer include:

Debtor's Finance

Debtor finance, also known as Invoice or Receivables Finance is used to improve business cash flow by providing you with access to up to 85% of the value of customer invoices, secured against your accounts receivable ledger. It is most useful for businesses that rely on 30-to-90-day payment terms. This type of finance can allow your business to keep growing so you can run with opportunities as they arise.

Working Capital and Lines of Credit

Access to working capital and lines of credit can help with short-term funding assistance and ongoing management of cashflow for your business.

Stock Finance

Finance can be sought for the funding of stock and materials from national and international sources under this type of finance, often with favourable repayment terms to aid in ongoing cashflow and seasonality in your business.

Import Trade Finance

If you’re looking to fund international import and export transactions, trade finance can give you access to most major currencies for a period of time that suits your cashflow cycle.

Short-Term Business Finance

If you need quick access to funds to cover unexpected expenses or to capitalise on opportunities, you may be looking for short-term business finance with terms of up to 3 years.

Commercial and Industrial Property Purchase / Refinance

If you’re looking to purchase a premises to operate your business from, you may need to seek finance for a property purchase. Terms, interest types and security will vary depending on the loan structure that best suits your business.

Business Purchase or Expansion

To purchase a new business or to expand an existing one, a business loan will look at the value of the business with a loan structured accordingly.

Franchise Purchase

Finance for most National Franchises can be sought, often with favourable terms and security structures depending on location and experience of the operators.

Our Industry Memberships

Growth Point Capital Pty Ltd ABN 93 162 936 101 trading as Growth Point Capital | GPC Asset Finance Pty Ltd ACN 645 252 437

GPC Asset Finance Pty Ltd | ACN 645 252 437 is an authorized credit representative 538727 of National Finance Connections Pty Ltd | ACN 661 296 457 | Australian Credit Licence 543046.

*Disclaimer: This website is designed to provide you with factual information only. This information contained within does not take into account your needs, objectives or financial situation. To understand whether a credit product is right for you speak to one of our licensed Finance Brokers. Terms, conditions, fee’s charges and minimum loan amounts apply. Credit is subject to approval by the credit provider under their responsible lending policy. Rates of interest are determined by the credit provider and are based upon your unique credit profile and are subject to change.

Investment opportunities are managed by Growth Point Capital’s funds management arm, Growth Point Capital Private Mortgages ACN 664 429 261. The information contained on this website does not take into account a recipient’s objectives, financial circumstances or needs. Investment is limited to ‘Sophisticated Investors’ who must formally register with Growth Point Capital and Growth Point Capital Private Mortgages.

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