G & H Financial

G & H Financial G&H Financial specialise in Business Finance and Finance for Individuals.Tired of the bank's playing games with you? Call us now (02) 8060 3530

We are a financial service business that specialises in business finance and finance for individuals. Our point of difference is not only attributed to our unique lender panel, private funding under management and business partners, but primarily our ability to connect with clients. We don't try to save on resource when required to perform. We invest our funds in time and quality to ensure that we

provide a service and a job that fits all necessary elements of good business for our clients and business partners. We offer finance for:

Cars, bikes, boats, trucks, hospitality, cash flow, equipment and machinery.

02/06/2026

Bank funding can look very attractive on paper.

Longer terms. Lower rates. Better structures.

But as Stephen Mitchell from Nexus Advisory explains in Part 2 of Episode Nine, the real challenge is often getting access to it in the first place.

In this clip, G&H Financial's Greg Malone and Stephen unpack the difference between bank and non-bank lending, why the rate gap can be significant and what business owners need to consider before choosing a funding path.

Watch the full podcast here: https://gandhfinancial.com.au/brokers-and-beers/episode-9/

One of the most important principles in any referral relationship is simple – protect the client relationship.Accountant...
27/05/2026

One of the most important principles in any referral relationship is simple – protect the client relationship.

Accountants spend years building trust with their clients. When funding needs arise, that trust must remain at the centre of the conversation.

At G&H Financial, referrals are approached with that in mind.

Our role is to support the client by structuring appropriate funding solutions while ensuring the referring advisor remains fully informed throughout the process.

Clear communication, transparency and alignment with the client’s broader financial strategy are essential.

Strong outcomes are always the result of strong partnerships.

Speak to our team: gandhfinancial.com.au

&HFinancial

Congratulations to all finalists announced for the Accountants Daily Australian Accounting Awards 2026.The awards contin...
26/05/2026

Congratulations to all finalists announced for the Accountants Daily Australian Accounting Awards 2026.

The awards continue to recognise the individuals, firms and leaders making a significant impact across the accounting and advisory profession.

G&H Financial is proud to support this year’s event as an event partner and we look forward to celebrating the industry’s achievements alongside the wider accounting community in Sydney on Friday 12 June.

Best of luck to all finalists. Learn more: https://tinyurl.com/2jju9v79

22/05/2026

The ATO isn’t waiting around.

In this clip from Episode 9 of Brokers and Beers, Stephen Mitchell from Nexus Advisory talks to G&H Financial's Greg Malone through how overdue debt, missed lodgements and payment plan issues can escalate fast.

It’s a timely reminder for business owners to stay close to their numbers, their obligations and their cash flow.

Watch the full conversation. Link in the comments! https://gandhfinancial.com.au/brokers-and-beers/episode-9/

Trade finance can play an important role for businesses managing inventory, supplier payments and international trade – ...
21/05/2026

Trade finance can play an important role for businesses managing inventory, supplier payments and international trade – yet it is often misunderstood.

For accountants working closely with growing businesses, understanding how trade finance works can help unlock additional funding pathways for clients.

Some key points worth considering:
• Trade finance supports cashflow cycles – it bridges the gap between paying suppliers and receiving payment from customers
• Facilities are typically secured against goods or receivables rather than traditional property security
• Timing matters – funding can often be arranged alongside purchase orders, import documentation or confirmed sales
• Structure is critical – aligning repayment timing with the client’s trading cycle can significantly reduce cashflow pressure

For businesses importing goods, managing seasonal inventory or scaling production, trade finance can provide flexibility where traditional lending structures may not.

Learn more or work with us: gandhfinancial.com.au

20/05/2026

A $1 billion economic resilience loan scheme was meant to support Australian businesses through rising pressure – but many say they can’t access it.

With major banks carrying the risk, non-bank borrowers locked out, and businesses facing rising costs and increasing ATO pressure, serious gaps are emerging between policy and reality.

Some interesting insights and honest discussion in this clip – including wise words from Karl Stefanovic, Moneytech CEO Nick McGrath and our very own Robert Grul.

For businesses navigating cashflow pressure, funding challenges or lender complexity, having the right finance strategy matters more than ever.

Speak to G&H Financial to explore funding solutions tailored to your business: gandhfinancial.com.au

Finance professionals, brokers and advisors – join us in Carlton on Tuesday 19 May for a morning of lending insights, ma...
12/05/2026

Finance professionals, brokers and advisors – join us in Carlton on Tuesday 19 May for a morning of lending insights, market discussion and industry networking.

The session will bring together six lenders across residential, specialist and commercial lending, along with presentations from Deposit Power, Marketplace Finance and G&H Financial.

Our very own Robert Grul will also be presenting on the day, sharing insights into the evolving commercial funding landscape and the opportunities available for brokers and businesses navigating today’s lending environment.

Lenders attending include: People First Bank, Funding, Great Southern Bank, MA Money, ORDE and MyState.

Looking forward to a valuable morning of discussion and connection with industry peers.
Event Details
📍 Best Western Carlton
📅 Tuesday 19 May
⏰ 10:00am – 12:00pm

Register here: https://www.eventbrite.com.au/e/lending-masterclass-tickets-1988896140897?aff=oddtdtcreator

Many businesses assume equipment finance is simply about funding the purchase of an asset.In reality, the structure of t...
07/05/2026

Many businesses assume equipment finance is simply about funding the purchase of an asset.
In reality, the structure of the facility often matters just as much as the equipment itself.

Some common misconceptions include:
• Focusing only on interest rates rather than repayment structure and cashflow alignment
• Assuming all equipment finance works the same way, regardless of the asset type or business model
• Overlooking tax and depreciation considerations that may influence the most appropriate structure
• Not aligning repayments with revenue generation from the equipment being financed

When equipment finance is structured correctly, it can support growth while preserving working capital and maintaining flexibility as the business expands.

Understanding the broader lending framework helps ensure the finance solution supports the business – not the other way around.

Speak to our team about your equipment finance needs: gandhfinancial.com.au

As the end of the financial year approaches, many businesses begin reviewing investment plans and funding requirements f...
05/05/2026

As the end of the financial year approaches, many businesses begin reviewing investment plans and funding requirements for the year ahead.

For businesses considering finance before EOFY, early planning can be valuable.
Some areas worth reviewing:

• Equipment or asset purchases planned for the next financial year
• Working capital needs as trading cycles change
• Refinancing opportunities where existing facilities may no longer suit the business
• Tax planning considerations that may influence investment timing

Lenders often see a surge in funding requests as EOFY approaches. Beginning conversations early allows more time to assess structure, lender appetite and approval pathways.

Planning ahead can provide businesses with greater flexibility as they move into the new financial year.

Learn more or start your application: gandhfinancial.com.au

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Level 3, Suite 3. 01, 30 Pitt Street
Sydney, NSW
2000

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