AppCap Finance

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AppCap Finance

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from AppCap Finance, Loan service, 10/45 Jijaws Street, Sumner, Brisbane.

Our mission is to empower individuals and businesses with smart, flexible finance solutions across asset and equipment lending, residential mortgages, and commercial real estate.

15/05/2026

The 2026 Federal Budget just changed how your borrowing power may be assessed.

➖ Negative gearing on established residential properties is being wound back from 1 July 2027. If you purchased (or contracted) before 7:30pm AEST on 12 May 2026, you're grandfathered under the old rules. After that, rental losses can only offset property income, not your salary unless buying new builds.

➖ The 50% CGT discount is being replaced with cost base indexation and a 30% minimum tax rate from 1 July 2027.

➖From 1 July 2028, discretionary trust distributions will be subject to a 30% minimum tax rate. If you've been using a trust structure to hold property or manage income, your cash flow and serviceability may look very different.

What does this mean for your serviceability?

With rate rises already compressing borrowing capacity, and new tax rules reshaping investor cash flows, the lenders you approach, and how you structure your application, matters more than ever.

Despite this, not all lenders assess serviceability the same way. There are still strong options available if you know where to look.

Message us to book a free Serviceability Review and let us make sure your strategy is built for the new rules, not the old ones.

09/04/2026

Another great outcome for a client navigating a complex finance scenario.

AppCap Finance were recently engaged to structure a finance solution for a client on a temporary visa who was looking to purchase a vehicle in Australia. In some cases, a client's visa status can significantly narrow lender options due to policy restrictions around residency, employment tenure, and credit assessment.

By leveraging our lender panel and understanding of specialist credit policies, we were able to identify a lender comfortable with the client’s visa type, employment stability, and overall financial position. After structuring the application and presenting the scenario clearly to the lender, we successfully secured approval and helped the client settle on their new vehicle.

A great result and another happy client on the road.

If you or someone you know needs help structuring vehicle or equipment finance, feel free to reach out.

30/03/2026

We are happy to formally announce the launch of AppCap Property.

After the establishment of AppCap Finance in early 2025, and a successful 12 months of operations, we are pleased to expand the business’ capacity and capability into the mortgage lending space.

The combined team brings together extensive experience across asset finance, residential mortgages, and commercial real estate transactions combining their strengths to deliver a comprehensive and integrated service for clients.

As a small, collaborative team AppCap Finance and now, AppCap Property thrives on agility, creative problem solving, and a unified commitment to client success. This approach enables the company to move quickly, think strategically, and tailor lending solutions with care, precision, and clarity no matter your circumstances.

Whether supporting an individual, a family, or a small or large business owner, we are dedicated to simplifying the process, and helping secure the finance needed to assist with your next step forward.

Please reach out to the team to discuss how we can be of service to you, your business or your next project.

25/03/2026

Another great outcome for an AppCap client.

A real estate business in Brisbane’s Inner West engaged AppCap to assist with financing a new vehicle to support their growth and elevate their on-road presence.

We delivered a customised asset finance solution that balanced serviceability and the right repayment structure for their needs. AppCap also assisted with the trade-in of their existing vehicle, ensuring a smooth upgrade and the maximisation of the client’s overall cash position.

At AppCap, our focus remains simple. understand the goal, tailor the finance, and make the process seamless.

If your business is considering a vehicle or equipment acquisition, reach out to the team.

17/03/2026

AppCap was recently engaged by Inspire Residential to structure a finance solution for a new work vehicle as their operations continue to grow.

Working closely with the team at Inspire Residential, AppCap structured an asset finance solution that aligned with their operational needs and cash flow. By tailoring the repayment structure and securing a competitive lending option, the business was able to acquire the vehicle they needed without placing unnecessary strain on working capital.

Asset finance is often one of the most effective ways for growing businesses to invest in the equipment and vehicles required to scale, while preserving liquidity for day-to-day operations and future opportunities.

It was a pleasure supporting Inspire Residential as they continue to grow, and we look forward to seeing their continued success.

If your business is considering upgrading vehicles or investing in equipment, the right finance structure can make a significant difference.

02/03/2026

AppCap was recently engaged by Vizi Energy to structure a finance solution for their expanding van fleet as their operations continue to grow.

Fleet expansion is a strong signal of momentum but it needs to be funded strategically. The right structure allows businesses to scale, protect cash flow, and maintain flexibility for future growth.

If your business is expanding and you need funding that keeps pace with you, let's connect and discuss how we can assist you.

Address

10/45 Jijaws Street, Sumner
Brisbane, QLD
4074

Website

http://www.appcap.com.au/

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