Running a Trade/ Services Business?
Save $$thousands from the banks and reduce the tax burden.
Our '5 Step Finance Re-Set' will free up cashflow, allowing you to build assets that make you money even when you're not working.
We work with Trade and Services business owners to stop the money leaks and worries - Using this cashflow more effectively they can build the lifestyle they want.
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The 5 Step Finance Re-set
Business
Review Business Financials
( Review and highlight areas that need attention and suggest solutions )
Personal Investments
Review personal assets vs liabilities
( Review and highlight areas that need attention and suggest solutions )
Banking & Debt
Streamlining banking
How does the flow of cash work for you?
(savings suggestions - 'both money and time' )
Risk & Efficiency
Tax-efficient structuring
Are you clear in your next moves ?
Are you covered in the case of emergency?
Future Planning
Your chance to run any near/mid/ long-term ideas and ask questions.
We discuss strategies that work for business owners to build wealth with minimal impact to cashflow.
YOU will then receive a comprehensive advice document outlining the 5 step finance re-set discussion - giving you the clarity to implement, and create personal wealth as a business owner.
TESTIMONIALS
What others are saying
We have worked with GCA Finance across multiple areas of our business and personal finance needs – from commercial property finance, to business lending, and even residential property finance. At every step, GCA have gone above and beyond to make sure we clearly understood all of our options, and that we secured the very best deal available. The team’s professionalism, attention to detail, and ability to simplify what can often be a complex process has made a huge difference for us. Their guidance has not only helped our business grow with the right finance structures, but has also given us confidence in our personal investments. Quite simply, there’s no one else we would trust more when it comes to finance. GCA Finance are our first choice, and the only choice, when it comes to making sure we’re covered from every angle.
I highly recommend Shayne Cook at GCA Finance for all your finance needs. Shayne assisted me with both mortgage financing and car financing, and the experience was exceptional. He is incredibly knowledgeable, super responsive, and always focused on getting the deal done at the best possible rate. Shayne secured fantastic rates for me and made the entire process smooth and stress-free. If you’re looking for someone who truly knows their stuff and gets the job done, Shayne is the person to call. Highly recommended to anyone needing finance.
Shayne Cook (GCA) is an absolute legend...He secured Finance for us despite a particularly complex set of circumstances.
GCA Finance have been a really solid partner for us across both business and personal finance over the past few years. Whether it’s property or business lending, their advice is always clear, strategic and actionable, which matters when you’re juggling a lot day to day. Shayne’s approach is direct and to the point, so the whole process stays efficient. What I value most is that they understand the bigger picture. Not just lending, but how it all ties into tax, risk and long-term decisions. Shayne has run multiple businesses, and you can feel that in the way he approaches things. I always walk away from conversations feeling clear and confident in the next step. Highly recommend.
Highly recommend having a chat with the people at GCA Finance. We have utilised GCA Finance for financing both our own home and investments. The strategy - especially in that we had a pretty unique and difficult situation was the thing that stood out for us. They really got to know our situation and really aimed to understand us a family/ business and what the aims were personally even beyond the finance aspect. It’s great to have advice where you can make a call and get the answers that can be relied on. Do not hesitate in giving Shayne and the team at GCA Finance a call.
Case study: Mark - Plumbing business
the benefits of being pro-active
Savings per year on finance restructure - > $22,000 ! (Mark could put this towards noon- deductible home loan repayment)
Risk - Mark was able to continue his life and business plans even though he had a poor financial year in the business ( freedom with next lifestyle decisions - even with time off for home renovation)
Future Planning - Mark was able to invest with confidence and be in the drivers seat with a property purchase as he had pre planned for it ( created additional personal income via investment)
Mark had approached us to apply for an equipment finance facility for his trade and construction business. On full review, we discovered Mark would be smart to re-finance his existing facilities to save substantial money each year, and at the same time set himself up for the coming years. This involved having an equity facility sitting and waiting for future purchase ( but not necessarily to be used at the time)
The following year when Mark wished to invest further it was quite obvious the business financials where no where were they had been. There was no way a lender would even extend the financing if they had seen the new financials.
There was a good excuse for the business profits going backwards, as Mark had spent the better part of the year renovating and extending his own family home – and as such had contractors take care of most of the work in his business, which diminished the profit for that year. This was no particular issue in Marks eyes, because he had enough cash and surplus to be comfortable during this time, plus he added value to his property too.
By being pro-active with his financing when he first came for a review, even though he didn’t have an immediate need at the time for additional funds, Mark benefited substantially in the following ways:
We negotiated a superior rate and saved him more money in interest due to borrowing a higher loan limit from the bank in the initial enquiry. He could still make a cash offer on the investment property, resulting in a preferred contract and a lower purchase price than those subject to finance clauses.
This opportunity would not have existed if he hadn't been prepared earlier than required - business profits and cashflow can vary - and it's good to get prepared while times are buoyant.
We established seperate business and personal - banking relationships which allowed flexibility. This also allowed the business to purchase new equipment whenever required at market leading rates even after a not so great income year.
This opportunity would not have existed if he hadn't been prepared earlier than required - business profits and cashflow can vary - and it's good to get prepared while times are buoyant.
“the benefits of being pro-active” —
Case Study - John -Electrical Business
Simple but effective tweaks can save thousands
Savings per year on finance restructure - > $15,000 ( money straight used to reduce non -deductible home debt )
Efficiency - a simple re structure increased Johns tax deductions with no increase in debt -( A better use of the flow of money saving stress and saving tax )
Streamlining - More seamless flow of cash designed to help save / retain more cashflow over time - ( Clarity -more simplified banking - but making savings every day - just by the way the money flows
John ran an Electrical business with multiple staff. While not perceiving any major problems - the business was ticking along, he just wanted to make sure he was making good decisions, for his business and family. After review we highlighted a few - not urgent but important tweaks. John had personally funded Items that had been in establishing the business that were sitting on the balance sheet. Furthermore it was identified that by altering the cash flow direction (different account structure) - significant annual savings could be made. We altered his funding so that ( while the debt level stayed exactly the same ) a large portion of the debt became tax deductible - creating a tax deduction worth tens of thousands of $$. No big changes - just a re-structure. All above board with the accountant in consultation. Looking at the flow of cash also highlighted other substantial annual savings - once again no huge changes - just where the cash was sitting at any given time. At the same time we went back to the clients existing bank and requested a pricing review which saved even more $$ per year.
“Simple but effective tweaks can save thousands” —
Case study: James - Real Estate business
regaining flexibility and control over finances
Savings per year on finance restructure - > $200,000 ( a huge difference to personal cashflow and immediate relief)
Flexibility - James regained control and direction ( allowed continuing investment in the assets making residual investment income - all while reducing cashflow burden)
More seamless working relationship between Jame's team of professionals all on the same page ( Accounting , Financing, Legal) ( Peace of mind and clarity of knowing affairs are well managed)
James has a successful real estate business and was a keen property investor. He is smart and knows what he is doing with property investment and had accumulated $millions worth of property. Not only did he have sufficient income to service his investment debt, the property portfolio also had significant upside in regards to future development potential on some of the properties. A great position to be in, or so James thought. Upon approaching his bank to continue investing, there was suddenly a stop put on James increasing his debt to acquire more investment properties or develop the current ones. The bank said this was due to the amount of overall debt the client had with the bank. Basically the bank had reached their ‘comfort level’ and said no more debt for John.
The fix - We looked at his complete situation, we discovered he had more than enough equity and enough borrowing capacity to keep investing - but needed to create a 'Chinese Walls" situation between his business bank and his personal assets. The problem was that one particular bank had control of everything and they had reached their comfort level due to the combined amount of debt James had amassed - and current internal banking policy. We helped James restructure his lending by splitting his debt on the residential / commercial properties with different lenders. The result - the issue was completely resolved, because by having a smaller amount of debt with separate lenders meant that each individual lender was only taking on a small amount of manageable risk. It was then an easy “yes” decision for James to continue his plans - and not reliant and at the control of one bank . The result today is that John has continued investing in property and has been able to follow his investment growth plans with minimal interruption. "Doesn’t always pay to mix your business and personal banking"
“regaining flexibility and control over finances” —
For trade and service business owners That Need straight answers
FAQ's
How much does it cost?
The 5 Step Finance re-set is a fee free initial consult. Should we wish to work together and proceed to implementation any fees and charges will be notified at that point before we proceed. No risk - plenty of potential upside.
What are the main benefits of conducting the review?
The main benefits for business owners are
1/ Obtaining clarity on whether your finances are set up with your best interests now and for the future. If there is nothing obvious we will tell you straight.
2/ Saving money - we highlight areas where you may be able to make small or substantial savings. These can add up to large amounts over time
3/ A clear understanding on what areas of your finances can be improved - or where there are errors costing you money - We give clear direction to implement the changes. We do the leg work - so as not to create even more work for you.
4/ Run your future ideas and plans by an expert - Impartial and practical solutions. If you like working with us - which we are confident you will - we become the trusted ear that business owners can call at any time to run ideas by.
What is your Experience?
Shayne ( Owner and director ) of GCA Finance has a 25 year experience in finance. Has worked as a lending manager for Commonwealth Bank and has also owned and exited a boutique Finance Broking and Financial Advice Firm. Further to this Shayne has run multiple businesses external to the finance industry. We have experience working with 100's of businesses large and small over our career and have become a trusted and vital part of the owners financial journey. Not all finance brokers/ bankers have the on the ground business owner experience across a range of industries - we do.
What are my obligations if I complete the review?
The review has no obligations - we are confident of providing value and therefore - if value is shown , we start a working relationship.
I have other trusted professionals providing advice on financial matters. How do you work with them.
We understand that business owners often have a group of professional working around them. (Accountants/ Financial Advisors/ Lawyers / Insurance brokers etc) . We understand the need for advice to be unified and will often be in touch with these existing relationships as required to make sure that the information you are getting is in line with the current advice. If there are areas of concerns in these areas of your financial life we will often suggest a catch up/ conversation to clarify and resolve these matters with these professionals. If you do not have sufficient advice in areas needed we have a list of contacts that are able to help as you require. Open communication is our thing - and a phone call is often the best solution. We jump on the phone and get things sorted.
What is the information on your licences
GCA Finance is a Credit Representative of Connective Credit Services. Individual Credit Representative Number is 502263 under Connective Credit Services Australian Credit License (ACL) 389328 Connective Broker Services | ACN 161 731 111
GCA Finance is also a member of the Mortgage and Finance Association of Australia - Member number - 7963
GCA Finance is a member of the AustralianFinancial Complaints Authority Limited -Member Number - 48245
MEET THE FOUNDER & CEO
Hey, I'm Shayne
Description
Overseen the financing of over $500million in Business, Commercial and Residential Finance projects
Helped countless business owners and investors take the next opportunity they visioned - and just as important - we helped show many why the next opportunity may not be one to pursue.
Savvy business owners trust me to become a part of their personal and business financial board of advice.
**GCA Finance is a Credit Representative of Connective Credit Services. Individual Credit Representative Number is 502263 under Connective Credit Services Australian Credit License (ACL) 389328 Connective Broker Services | ACN 161 731 111. GCA is a finance brokerage - GCA Finance is not a licensed Financial Adviser, Lawyer or Tax Accountant and such any highlighted items of interest for examination requiring further advice would need to be noted and discussed with the applicable licence holder relating to these items.