FAQs

  • GEA Capital is a family-owned finance brokerage offering asset finance, business loans, personal loans, and cashflow lending tailored to business owners and individuals across Australia.

  • We are a finance broker. That means we work with a panel of trusted lenders to find the best finance solution for your needs.

  • Unlike banks, we offer flexible, tailored loan options from a wide range of lenders including banks and non-banks. As a family-owned brokerage, we provide personalised service and fast approvals.

  • Asset finance helps you purchase equipment, vehicles, or machinery without paying upfront. You repay the loan over time while using the asset in your business.

    There are many different ways to structure this including chattel mortgages, commercial hire purchase, leasing and more.

  • You can finance cars, trucks, construction equipment, office fit-outs, agricultural machinery, and more.

  • Yes, we work with lenders who consider applicants with less-than-perfect credit, ATO debt and more.

  • Business loans can fund expansion, cover cashflow gaps, purchase inventory, refinance existing debt and more.

  • Loan amounts vary depending on your business size, revenue, and credit profile. We can help secure loans from $5,000 to $500,000+.

  • Typically, you’ll need bank statements, ID, proof of business, proof of business income, lenders may require financials or BAS statements depending on the type of application (ie. full doc vs low doc).

  • Cashflow lending provides fast funding to manage day-to-day business expenses, payroll, seasonal slowdowns and gaps in the sales cycles that can delay growth—credit limits are based on your business’s revenue, not physical assets.

  • In many cases, approval and funding can happen within 24–48 hours.

  • Yes, we offer personal loans for things like debt consolidation, travel, renovations, or unexpected expenses.

  • A secured loan is backed by an asset like a car or property. Unsecured loans don’t require collateral but may have higher interest rates.

  • Complete the contact form online to get started, or call or email us directly. From there, we’ll get the ball rolling with a free consultation, then assess your needs and match you with the right loan.

  • We work with a wide range of clients—from sole traders and startups to established businesses and individuals with various credit backgrounds.