Flagship Financial

Flagship Financial Automotive, business & personal finance for busy people. Based in Brisbane, but servicing the whole of Australia.

🚨 3 weeks to EOFY.If you've been thinking about:β†’ A new work vehicleβ†’ Equipment for the businessβ†’ Upgrading the fleetβ†’ A...
16/06/2026

🚨 3 weeks to EOFY.

If you've been thinking about:
β†’ A new work vehicle
β†’ Equipment for the business
β†’ Upgrading the fleet
β†’ A van fit-out or trailer

Now is the time to move. Not next week. Now.

Here's why:

Lenders need time to process. Settlement needs to happen before June 30 for it to count in this financial year. And every day you wait is a day less your accountant has to work with.

I can typically get approvals within 48 hours. But I can't control settlement timelines or lender backlogs β€” and they get busier every day in June.

What I need from you:
1. A 10-minute phone call
2. Your last 2 payslips or latest BAS
3. What you're looking to buy

That's it. I handle the rest.

πŸ“© DM me "EOFY" or call β€” link in bio.

⚠️ I'm a finance broker, not a tax advisor. Any tax-related information I share is general in nature only. Always speak to your accountant about your individual tax situation before making any decisions.

What I keep hearing from business owners and tradies:"We've got heaps of work on the books.""But I can't pay the bills u...
14/06/2026

What I keep hearing from business owners and tradies:

"We've got heaps of work on the books."
"But I can't pay the bills until my clients pay me."
"I need the equipment NOW but the cash isn't there yet."

This is the #1 problem I see in small business β€” especially in trades.

You're profitable on paper. But cash flow is strangling you.

Here's what a commercial finance broker can actually help with:

β†’ Equipment finance β€” get the tools now, pay over time
β†’ Invoice finance β€” unlock cash from unpaid invoices
β†’ Line of credit β€” a buffer for the gaps between jobs
β†’ Vehicle finance β€” structured so the repayments match your income rhythm

You don't need to be cash-rich to grow. You need the right finance structure.

That's literally what I do. 30+ lenders. Multiple solutions. Matched to YOUR cash flow.

πŸ“© DM me "CASH FLOW" and let's talk.

"Why don't you just use one lender?"I get this question a lot. Here's the honest answer:Because one lender can't be the ...
09/06/2026

"Why don't you just use one lender?"

I get this question a lot. Here's the honest answer:

Because one lender can't be the best fit for every person.

β†’ One lender is great for tradies with ABNs under 2 years
β†’ Another has the best rates for support workers on casual contracts
β†’ Another specialises in equipment and heavy vehicles
β†’ Another is flexible with BDMs who have mixed income (salary + commission)

If I only used one lender, I'd be a bank employee β€” not a broker.

My job is to match YOUR situation to the lender that fits best. Not force you into whatever product is easiest for me.

That's the difference between a broker and a banker. And it's why I compare 30+ every single time.

πŸ“© Curious which lender suits your situation? DM me.

June 30 is 22 days away. Here's what your accountant probably wants you to sort out before then:1️⃣ If you're buying equ...
07/06/2026

June 30 is 22 days away. Here's what your accountant probably wants you to sort out before then:

1️⃣ If you're buying equipment or a vehicle for work β€” the timing matters. Settling before June 30 means it counts in THIS financial year, not next year's.

2️⃣ The instant asset write-off is still in play for eligible businesses. But the rules change. Talk to your accountant about what applies to YOU.

3️⃣ Chattel mortgage vs lease vs hire purchase β€” the structure you choose affects your deductions. Don't just pick the cheapest rate. Pick the right structure.

4️⃣ Pre-approval doesn't take weeks. If you start now, you can still settle before EOFY.

I'm not your accountant β€” but I work alongside them. My job is to get the finance structured so your accountant can do what they do best.

If you've been putting off that ute, that van, that excavator, or that equipment purchase β€” now's the time.

πŸ“© DM me "EOFY" and I'll walk you through it.

⚠️ I'm a finance broker, not a tax advisor. Any tax-related information I share is general in nature only. Always speak to your accountant about your individual tax situation before making any decisions.

She drives 800km a week visiting clients across three suburbs.Her old car was costing her $400/month in repairs. The air...
04/06/2026

She drives 800km a week visiting clients across three suburbs.

Her old car was costing her $400/month in repairs. The air con had given up. And she was anxious every morning about whether it would start.

She's a disability support worker β€” and her car IS her office.

Here's what we did:

β†’ Found a reliable SUV that fit her budget
β†’ Got her approved at a rate 4% lower than the dealer quoted
β†’ Structured repayments around her fortnightly pay cycle
β†’ The whole process took 3 days β€” not 3 weeks

She told me: "I didn't think I'd get approved. I thought my income was too casual."

She was wrong. And she's not the only one.

If you're a support worker, community nurse, or anyone who lives on the road β€” you deserve a car that doesn't stress you out.

πŸ“© DM me and let's have a chat.

What I keep hearing from tradies who are buying equipment:"I just went with the dealer's finance β€” it was easy.""I didn'...
02/06/2026

What I keep hearing from tradies who are buying equipment:

"I just went with the dealer's finance β€” it was easy."
"I didn't know I had options."
"Nobody told me about the tax side."

Here's the thing about dealer finance on equipment:

The rate is often higher. The terms are usually rigid. And you miss out on structures that could save you thousands β€” especially before June 30.

What I do differently:

β†’ Compare 30+ lenders β€” not just the one the dealer uses
β†’ Structure the loan so your accountant can maximise the deductions
β†’ Factor in your cash flow, not just the price tag
β†’ Get you approved before you walk in β€” so you negotiate on price, not finance

If you're buying a machine, a trailer, a truck, or fitting out a new van before EOFY β€” talk to me first. 10 minutes could save you thousands.

πŸ“© DM me "EQUIPMENT" and I'll explain your options.

⚠️ I'm a finance broker, not a tax advisor. Any tax-related information I share is general in nature only. Always speak to your accountant about your individual tax situation before making any decisions.

People still introduce me as "the car loan guy."And look β€” I love getting people into the right vehicle. That hasn't cha...
31/05/2026

People still introduce me as "the car loan guy."

And look β€” I love getting people into the right vehicle. That hasn't changed.

But here's what most people don't realise about what I actually do:

β†’ Equipment finance β€” excavators, trailers, fit-outs, tools of trade
β†’ Vehicle finance β€” utes, vans, company fleets, the lot
β†’ Cash flow solutions β€” when the work's there but the timing isn't
β†’ Working capital β€” to grow before the revenue catches up
β†’ Business lending β€” fit-outs, expansions, franchise purchases

I'm a commercial finance broker. That means I work across 30+ lenders to find the right structure for YOUR situation β€” not just whatever one bank has on the shelf.

If you're a tradie, a BDM, a support worker, or a business owner who needs to move β€” I'd love to have a chat.

πŸ“© DM me or hit the link in bio.

"The dealer offered me finance on the spot. Why would I need a broker?"Fair question. Here's the honest answer:The deale...
28/05/2026

"The dealer offered me finance on the spot. Why would I need a broker?"

Fair question. Here's the honest answer:

The dealer has ONE lender. Maybe two. They earn a commission on the finance β€” sometimes more than they make on the car itself.

That's not necessarily bad. But it means the finance is set up to benefit the dealer, not you.

Here's what a commercial finance broker does differently:

β†’ Compares 30+ lenders β€” not just the dealer's one
β†’ Finds the structure that suits YOUR situation (not the highest-commission product)
β†’ Gets you pre-approved so you negotiate on the car, not the finance
β†’ Costs you nothing β€” the lender pays the broker, not you

I've seen dealer finance come in 3-4% higher than what I can find through my panel. Over a 5-year loan, that's thousands of dollars.

Next time a dealer says "we can do the finance right here" β€” just say "I'll compare it with my broker first."

That one sentence changes the whole conversation.

πŸ“© DM me "COMPARE" and I'll show you the difference.

*β€œThe Chattel Mortgage Myth”* Most people come to me thinking a chattel mortgage and a car loan are basically the same t...
26/05/2026

*β€œThe Chattel Mortgage Myth”* Most people come to me thinking a chattel mortgage and a car loan are basically the same thing.

They’re not. And the difference can cost you thousands.

What I keep hearing from business owners is:
β†’ β€œThe bank just offered me a car loan, so I signed it”
β†’ β€œI didn’t know there was another option”
β†’ β€œI paid the whole amount upfront and never claimed a thing”

Here’s the thing β€” if you’re running a business and buying a vehicle, a chattel mortgage is usually the better structure.

With a chattel mortgage:
βœ… GST on the vehicle can be claimed upfront (on your next BAS)
βœ… Depreciation and interest are tax-deductible
βœ… The vehicle is an asset on your balance sheet from day one

A standard car loan doesn’t give you any of that.

The lender owns the vehicle until the last payment on a consumer loan. With a chattel mortgage, the business owns it immediately β€” the finance is just secured against it.

What this means for you:
β†’ Better cash flow from the GST credit alone
β†’ Genuine tax deductions your accountant can use
β†’ A cleaner structure that suits how your business actually works

If you’re buying a vehicle for your business in the next few weeks β€” especially with EOFY coming β€” this is worth understanding before you sign anything.

DM me and I’ll walk you through which structure suits your situation.

⚠️ _I’m a finance broker, not a tax advisor. Any tax-related information I share is general in nature only. Always speak to your accountant about your individual tax situation before making any decisions._

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Address

Nationwide
Brisbane City, QLD
4000

Opening Hours

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

Telephone

+61482092229

Website

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