The EOFY scramble is over, but what’s next? Now is the perfect time to reflect, reset, and refocus. The start of a new financial year is a clean slate for business owners—and it’s when strategic funding can make the biggest difference.
At Capital Plus Finance, we help businesses make proactive moves in July and August to set the tone for a profitable year. Here’s how to leverage finance to your advantage in FY26.
Why July is a Strategic Month for Funding
- You’ve finalised EOFY numbers and can use them to strengthen loan applications
- It’s a quieter season—ideal for planning expansion or upgrades
- Lenders may have new FY26 product campaigns or rate specials
- Many suppliers offer EOFY clearance sales on equipment
Funding Options That Position You for Growth
✅ Equipment Finance
Ready to scale? Upgrade vehicles, machinery, or computers to increase capacity without large upfront spend.
✅ Working Capital Loans
Smooth out early FY cash flow bumps with fast-access funds to cover wages, supplier payments, or marketing spend.
✅ Business Line of Credit
Provides flexible funding throughout the year—you draw only what you need and pay interest on that amount.
✅ Vehicle & Asset Refinance
Unlock equity in fully or partially paid-off equipment to access a lump sum for reinvestment.
Plan Your FY26Strategy With Finance in Mind
- What new revenue streams can you unlock with better equipment or tech?
- Do you need extra cash flow for hiring, training, or marketing?
- Is it time to shift from leasing to owning core business assets?
Avoid These Mistakes Early in the Year
❌ Waiting too long to access funds—you may miss prime deals or project deadlines
❌ Ignoring your cash flow position because of a solid June
❌ Forgetting to re-negotiate better terms on existing finance
Final Thought
FY26 is full of potential—don’t let it slip by. Whether you need working capital, equipment, or a smarter way to manage expenses, the right finance can be your biggest growth lever.
Upgrade Now, Pay Smarter—Flexible Equipment Finance for Aussie Businesses
We help businesses like yours replace ageing assets, scale up, and stay ahead—without the upfront burden.
👉 Book a meeting with the Capital Plus Finance team
