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Capital Plus Finance

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Capital Plus Finance

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💼 Capital Plus Finance | Your partner in better finance solutions. We’ve got you covered! 🌟 Exceptional service & repeat clients.

Since 2015, we’ve been helping businesses grow with tailored asset finance. 🚗💡 Equipment or fleet?

29/09/2026

The RBA has raised the cash rate by 25 basis points to 4.60%. Its fourth increase this year and the highest level since 2011.

What does that mean for Australian business owners?

If you’re financing equipment, vehicles or working capital, higher rates can flow through to the cost of new lending and refinancing.

Variable-rate facilities are particularly exposed. As lender pricing adjusts, your interest costs or repayments may increase.

Fixed-rate facilities won’t necessarily change immediately, but new borrowing and refinancing may be priced differently.

Financial markets expect another rise early next year. That isn’t a guarantee of what the RBA will do, but it is a good reason to review your position now, while you still have more options and control.

A proper finance review can help you:
✅ Check how rate movements affect your current facilities
✅ Compare lender pricing and structure
✅ Plan equipment or vehicle purchases with clearer numbers
✅ Assess whether your working capital facility still fits

Don’t wait for the next rate movement to start asking questions.

Book a free finance review with Capital Plus Finance. No obligation, no runaround, just straight answers for your business.

25/09/2026

Payday Super does not increase the amount of super your business owes. It changes the timing.

Since 1 July 2026, super must be paid within seven business days of each pay run, rather than quarterly. That means the same obligation is leaving your account earlier and more often.

For a profitable business, that can still create a genuine liquidity squeeze when customer receipts arrive later than payroll and super payments.

The numbers are clear:
• 75% of Australian SMEs say Payday Super is impacting cash flow.
• 74% were not fully prepared for the change or expect their cash flow to suffer.
• 83% of businesses turning over $1m–$5m expect a negative cash flow impact.
• 37% plan to use external funding facilities.

The practical step is not to guess. Model cash flow across multiple pay runs and compare customer receipts with major payments. That will show whether you have a temporary timing gap or a deeper trading problem.

Where the issue is timing, debtor finance or a working capital facility may help bridge the gap while you wait for outstanding invoices to be paid.

A broker or adviser can help quantify the shortfall before pressure builds. If Payday Super is tightening your cash flow, talk to Capital Plus Finance for a straight, no-obligation review.

23/09/2026

Business loan demand is up 6.2%. SME asset finance is down 12.6%.

That gap tells a pretty clear story: many Australian businesses are borrowing to cover wages, rent, stock and tax, not to buy the equipment that grows capacity.

And while the permanent $20,000 instant asset write-off passed Parliament on 19 August, take-up has stayed flat because a tax deduction doesn’t put cash in the bank.

A $20,000 deduction may save a base-rate company roughly $5,000 in tax, once. It is not $20,000 in working capital, and it is not a funding plan.

Before buying any asset, ask:
✅ What will it earn or save each month?
✅ Can the business comfortably manage the repayments?
✅ Will it improve capacity, productivity or revenue?
✅ Is the finance structure matched to the asset’s useful life?

Certainty is helpful. But certainty isn’t capacity.

Speak with your accountant about the tax treatment, then speak with a finance broker about whether the numbers actually work.

At Capital Plus Finance, we compare options across more than 60 lenders and help structure finance around assets that genuinely earn their keep: straight talk, hassle free, job done.

What’s holding your business back right now: access to funding, cash flow, or confidence in the numbers?

21/09/2026

The RBA meets next Tuesday, 29 September, and all four major banks are forecasting a 25 basis point increase, taking the cash rate to 4.60%. Markets are putting the probability at around 90%.

That decision flows through to equipment, vehicle and asset finance.

You can’t control rates. You can control your timing.

Businesses that arrange finance before the decision may be able to secure today’s available terms. Those that wait could end up financing the same truck, machine or equipment at a higher rate.

No guarantees. No scare tactics. Just a practical reason to review your plans before Tuesday.

If you’re considering an asset purchase, refinancing or working capital, book a free finance check with Capital Plus Finance. We work with more than 60 lenders and handle the legwork for you.

What asset have you been putting off: a truck, machine, vehicle or something else?

01/09/2026

Proud to see our director Jason represent Australia at the UCI Gran Fondo World Championships in Niseko, Japan this past weekend! 🇦🇺🚴

He finished 66th out of 144 in the 50-54 age group, and 4th out of 12 Australians in the category, a fantastic result racing at world championship level.

Congrats Jason, awesome effort!

27/08/2026

Big weekend coming up for our Director Jason Smith, who's racing at the 2026 UCI Gran Fondo World Championships in Japan this Sunday representing Australia! 🇦🇺🚴‍♂️

We're all cheering him on in Australia. Good luck Jason, go smash it out there!

14/08/2026

We love a good review 🙌

One of our clients summed it up perfectly: "Outstanding service, fast turnaround, and genuine support... a great example of how the process should be done."

That's the whole point of what we do - real people, real solutions, no drawn-out bank runaround. If you're a local business looking at equipment finance, come have a chat with us.

Send us a message or check the link in our bio to get started.

07/08/2026

If your Friday arvo looks like this, you’re not alone.

One minute you’re chasing an overdue invoice. The next, you’re in the ATO portal wondering whether you’ve clicked the right thing.

Then a supplier email lands with a price increase, the to-do list somehow gets longer, and you realise it’s 4:30pm.

Running a small business in 2026: part strategy, part problem-solving, part “where did this week go?”

Still, you made it to Friday. That counts. ☕️

What was your week’s biggest plot twist?

03/08/2026

Let us talk straight for a minute. Business confidence is sitting at -5, consumer sentiment is at 50-year lows, and we are looking at a staggering $35.9 billion in small business tax debt building across Australia. If you are running an SME right now, you are probably noticing the shift. The conversation has completely changed from how do we aggressively expand this quarter to how do we protect our cash flow? Smart business owners are not panicking: they are preparing. They are setting up working capital buffers, invoice finance, and flexible facilities well before they actually hit a crunch. Waiting until your back is against the wall is a game you do not want to play. At Capital Plus Finance, we cut through the noise to help you lock in the right funding structures while things are stable. What steps is your business taking right now to secure its cash flow position? Let us know in the comments.

27/07/2026

The June scramble is officially a thing of the past. 🚀

As of 1 July 2026, the $20,000 Instant Asset Write-Off is officially permanent for Australian small businesses. This is a massive win for your cash flow and long-term planning.

What does this mean for you?
✅ No more rushing to buy equipment before June 30.
✅ You can plan your upgrades year-round when it actually suits your business.
✅ It applies on a per-asset basis (not a total cap).
✅ It covers both new and used equipment.

If your business has a turnover of less than $10 million, you can claim the full deduction immediately for assets costing less than $20,000. Whether it’s a delivery van, a new piece of machinery, or an IT upgrade, you can get the job done now and see the benefit straight away.

At Capital Plus Finance, we’re all about straight talk and no hassle. We’ll handle the funding and the paperwork so you can focus on putting that new asset to work. We work with over 60 trusted lenders to ensure you get the best available rates without the runaround.

Stop waiting for the end of the financial year. Let’s get your next asset sorted today.

Give us a call or send a message to see how we can help you make the most of this permanent tax break.

Address

Baulkham Hills, NSW
2153

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Telephone

+611300294887

Website

http://www.capitalplusfinance.com.au/index.html

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