About Us

We are committed to assisting you in achieving your business and financial investment goals. We work with you to comprehensively understand your needs, and provide you with attractive and flexible borrowing options tailored to your requirements. Whether you require capital to start a new business, purchase equipment for expansion, or require a loan for cash flow, our experienced team will ensure applying for commercial finance is a simple process.

Meet the Team

Paul Kavadas - Managing Director

B. Economics, Diploma of Finance and Mortgage Broking, Certificate IV in Financial Services (Finance/Mortgage Broking) Paul began his career in 1987. Having graduated from University of New England with a Bachelor of Economics degree, he commenced his career as a lending officer under a graduate scheme with Commonwealth Bank of Australia and was subsequently head hunted and moved across to Westpac. Paul Kavadas established Universal Finance in 1990 and has been providing assistance to customers seeking commercial and residential lending. Through Universal Finance he has gained a clientele base of over 3,000 clients. Paul holds a number of qualifications and memberships with professional bodies within the finance industry. With his experience and the responsible person for Universal Finance, Universal Finance holds an Australia Credit Licence through ASIC. Paul devotes much of his time toward Universal Finance and its customers as well as supporting charitable organisations.

SEAN O’BRIEN - Finance Consultant

Sean has over 32 years experience in Banking and Finance, the first 17 years with National Australia Bank. He has gained a wide range of banking experience from Credit Manager to Business Banking Manager. He commenced his career at Universal Finance in 1998, specialising in both commercial and residential lending.

PETER GEORGE - Commercial Manager

In 1984 Peter graduated with a Bachelor of Commerce degree. After which he worked over a 7 year period with various banking institutions. He commenced his career with ANZ Bank and progressed into Corporate Banking. Then he joined Universal Finance in 1991 specialising in equipment and motor vehicle finance. Peter also handles client’s commercial and residential lending requirements.

PETER GOTSIS - Business Development Manager

Peter has been with Universal Finance for over 9 years, assisting our clientele with complex commercial transactions, business finance and all the residential financing needs of our customers. Peter has over 20 years experience in Business and Commercial lending, both in Business Banking for the Commonwealth Bank of Australia and in his previous position held with ING Commercial Property Finance, whereby he was involved in large scale, complex structured finance transactions. Peter is available to assist you with transactions of a complex nature. Peter’s comprehensive understanding of finance complemented with his strong negotiation skills, will allow him to secure the most competitive interest rates, terms and conditions that benefits you, as our valued customer.

JIM KOLOVOS- Corporate Lawyer and Finance Consultant

Bachelor of Business (Accounting), Bachelor of Laws, Master of Laws (Honours), Diploma of Financial Services, Diploma of Property Services, Certificate IV in Training & Assessment. Jim is a career banker who has accumulated over 35 years experience in the banking and finance industry. Jim has worked for a number of major trading banks where he held senior management positions in the areas of corporate and commercial banking. Jim has also worked as a Bank Solicitor having been admitted as a Solicitor of both the Supreme Court of NSW and High Court of Australia 30 years ago. Jim is also a casual teacher in the area of corporate and commercial law where he delivers lectures to tertiary education students at both TAFE and University.

DESPOINA CHLAPATSOU - Reception & Front Office Support

Despoina's interpersonal skills are second to none, she ensures a high level of customer service is maintained between the financier, Universal Finance and our valued customers.