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Why choose us

Well, it’s not because we have been around since 1980! We haven’t. And it’s not because we have 150 years of combined experience! We don’t. As finance brokers, what we do have is the expertise and passion for getting the right result for our clients. And that not only means getting an approval but getting the very best solution the market has to offer. In a world of impersonal and bureaucratic finance corporations, Capital Plus Finance still believes in taking the time to understand individual business needs and providing a personalised and outstanding client experience.



Who we are

At Capital Plus Finance, we have a very clear purpose: Helping Australian businesses achieve the right financing solution. Whether you need Equipment Finance, Debtor Finance an Unsecured Business Loan or Trade Finance, Capital Plus Finance is here to help you realise your goals. We work in your best interests- delivering fast turnarounds and exceptional client service. Whatever your business goals, we’ll help you get there.

Equipment Finance Broker

Almost every type of business needs at least some equipment to operate and serve their customers. Whether it’s the latest construction tools or the most efficient oven for your restaurant, having the right equipment can be the difference between being competitive and falling behind the market. A great way to grow your business is to invest in commercial assets or more productive equipment to increase the value and efficiency of the goods or services you provide. The primary issue with this growth avenue is that purchasing new equipment usually requires a significant upfront investment, which many businesses just don’t have.

Investing in your business’ growth by upgrading your equipment should not be out of reach. Equipment finance allows your business to own and operate the equipment you need, without the prohibitive upfront commitment. There are many different types of equipment financing products and scenarios out there, and it can be hard to work out which one is best. An equipment finance broker uses their expertise to compare, source and process the best deals for your unique scenario, no matter what line of business you’re in.



Benefits of Equipment Finance

  • Support your business’s growth. Equipment finance reduces the initial outlay you would otherwise need to procure new commercial assets. Instead of buying the equipment outright, you can pay the equipment off over time. Better yet, if you choose a chattel mortgage as your financing product, no GST is paid on the repayments and you can take ownership of the asset from the start of the loan.
  • Potential tax benefits. Most businesses will be able to claim back input tax credits concerning the GST included in the purchase price of the equipment. Furthermore, the depreciation and interest charges may be tax-deductible, increasing the appeal of equipment finance to your overall financial position.
  • Immediate access to the latest equipment. Having access to the latest in technology can make a significant difference to your business’s efficiency. This reality can make or break your competitiveness in an agile and fast-moving business landscape where every ounce of productivity counts.
  • Eliminate the risk of ownership. Owning expensive equipment can come with additional expenses, such as depreciation, maintenance and repair costs. Leasing equipment gives you certainty on your outgoing expenses while giving you the option to take ownership or dispose of the commercial asset at the end of the agreement.

Types of Equipment Finance

  • Finance Leases: A finance lease allows you to make use of many types of commercial equipment while not technically owning it. The lender will purchase the equipment on your behalf and lease it to you over an agreed term. This option is excellent for businesses wanting to avoid the headaches involved with owning or disposing of machinery or old appliances.
  • Commercial Hire Purchases: Commercial hire purchases are similar to finance leases except that after the lease period, your business will take ownership of the asset. As such, your repayments may be higher over the term. This option is excellent for businesses looking to continue using the equipment after the loan period ends.
  • Novated and Business Vehicle Leases: Products such as novated leasing are an increasingly popular method used to fund commercial vehicles for your business and your employees. Novated leases involve your business making payments on you or your employee’s behalf from pre-tax salaries, reducing taxable income and diminishing tax payable.
  • Sale and Leaseback Agreements: A sale and leaseback agreement can help your business free up working capital by having a lender purchase your existing equipment and leasing it back to you over an agreed period (usually three to five years). This agreement is a great way to retain use of the commercial asset while injecting immediate capital into your business and eliminating ownership risks, such as maintenance and repair expenses.

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