Running a Trade/ Services Business?
Want to ensure your business and personal finances are working in your favour? Here's the solution
Finance experts for Trade and Services business owners
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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.
Case Study - John -Electrical Business
Simple but effective tweaks can save thousands
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” —
Savings per year on finance restructure - > $15,000
Efficiency - a simple re structure increased Johns tax deductions with no increase in debt
Streamlining - More seamless flow of cash designed to help save / retain more cashflow over time
Case study: Mark - Plumbing business
the benefits of being pro-active
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” —
Savings per year on finance restructure - > $22,000 !
Risk - Mark was able to continue his life and business plans even though he had a poor financial year in the business
Future Planning - Mark was able to invest at with confidence and in the drivers seat as he had pre planned for it
Case study: James - Real Estate business
regaining flexibility and control over finances
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” —
Savings per year on finance restructure - > $200,000
Flexibility - Anthony regained control and direction
Peace of mind - More seamless working relationship between Anthony's team of professionals all on the same page ( Accounting , Financing, Legal)
For trade and service business owners That Need straight answers fast
How does the 5 step Finance Re-Set Work?
Step 1 - Book Call
Initial discussion on needs
Are we a good fit to work together ?
Collect required financial information
Step 2 - 5 Step Finance Reset Meeting
What We Cover in the Review
1/ Business Financials
Profit & Loss, Balance Sheet, (efficiency & errors)
2/ Personal Investments
Profit & Loss, balance sheet review, (efficiency & errors)
3/ Banking & Debt
Streamlining, best banking packages, the flow of cash
4/ Risk & Efficiency
tax-efficient structuring , cross-securitisation checks , asset protection
5/ Future Planning
Run near and mid-term scenarios for upcoming plans
Step 3-Implement
We review all items from he 5 step finance reset meeting and give Advice and a plan for implementation
Guidance on the process and next steps
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 & business financial board of advice.
