About US

Building the future

We specialise in connecting Australian businesses with the right commercial finance solutions to fuel growth, manage cash flow, and seize new opportunities. With deep expertise across a wide range of lending products, we tailor funding strategies that align with your goals and circumstances—whether you’re a startup, growing SME, or established enterprise.

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Business Loans

Purpose: General financing for working capital, expansion, or capital expenditure.

Types: Secured or unsecured; fixed or variable interest rates.

Providers: Banks, non-bank lenders, online lenders.

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Line of Credit/Overdraft

Purpose: Flexible access to funds for managing cash flow.

Features: Interest charged only on the drawn amount.

Best for: Businesses with fluctuating income or seasonal cycles.

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Equipment Finance / Asset Finance

Purpose: Funding for machinery, vehicles, or equipment.

Types: Chattel mortgage, lease, hire purchase.

Benefits: Preserves working capital and may have tax benefits.

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Invoice Financing / Debtor Finance

Purpose: Unlocks cash tied up in unpaid invoices.

Types: Invoice factoring (with disclosed collection) or invoice discounting (confidential).

Best for: Businesses with long payment terms or cash flow gaps.

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Trade Finance

Purpose: Supports import/export transactions.

Features: Covers the cost of goods before receiving customer payment.

Includes: Letters of credit, documentary collections, supply chain finance.

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Commercial Property Loans

Purpose: To purchase or refinance commercial real estate.

Types: Owner-occupied or investment property loans.

Considerations: Often require larger deposits and stronger financials.

At G&H Financial, we specialise in connecting Australian businesses with the right commercial finance solutions to fuel growth, manage cash flow, and seize new opportunities. With deep expertise across a wide range of lending products, we tailor funding strategies that align with your goals and circumstances—whether you’re a startup, growing SME, or established enterprise.

Fearless Leaders

We take the complexity out of commercial finance—comparing lenders, negotiating terms, and guiding you through the process from application to settlement. Our goal is to secure funding that works harder for your business.