| How Equipment Finance Can Help You Scale in 2026 Financial Year If you’re planning to grow your business in the new financial year, one of the smartest moves you can make is leveraging equipment finance. Whether you’re upgrading machinery, expanding your fleet, or stepping into a new line of work, financing your equipment—rather than buying it outright—can significantly improve your cash flow, tax position, and growth speed. At Capital Plus Finance, we specialise in helping Australian SMEs secure tailored, affordable equipment finance. Here’s how the right finance solution can power your next phase of growth.  Why Equipment Finance Matters in FY26 With the 2025–26 financial year almost underway, now is the time for business owners to invest in operational capability. But that doesn’t mean draining your bank account. Equipment finance lets you access vital assets while preserving working capital. ✅ Why it works: Keep cash flow free for wages, suppliers, or marketing Spread costs over time, matching repayments to income Take advantage of tax deductions like depreciation and interest write-offs Stay competitive with up-to-date machinery or technology Whether you’re a tradie buying a new ute, a transport operator expanding your fleet, or a manufacturer adding CNC machines, equipment finance can get you moving faster—without the financial strain. Types of Equipment We Commonly Finance We’ve helped businesses finance just about everything, including: Trucks, trailers & utes Excavators, loaders & earthmoving gear Office fitouts & IT infrastructure Agricultural & farming machinery Commercial kitchens & hospitality gear Medical & dental equipment Printing & packaging machinery If it’s essential to your business, chances are we can finance it. Common Finance Structures for Equipment 1. Chattel Mortgage This is the most popular option for business vehicles and machinery. You own the asset outright, but it’s used as loan security. It offers: GST claimable upfront (for registered businesses) Depreciation and interest tax-deductible No balloon payment unless you choose one 2. Commercial Hire Purchase This is where the lender buys the equipment and hires it to you over a term. Once you complete repayments, you own it. 3. Finance Lease The lender owns the asset, and you lease it. At the end of the lease, you may have the option to purchase it. This structure is good for high-cost gear that may need upgrading frequently. Who Should Use Equipment Finance? Any growing business can benefit, but especially those in: Construction & trades Logistics & transport Manufacturing Agriculture Healthcare Food & hospitality If you’re expanding operations, replacing outdated tools, or entering a new sector, financing can help you make moves quickly without exhausting your reserves. What Lenders Look For To get approved quickly, make sure you: Have up-to-date financials or BAS statements Know your credit history Can show how the equipment will support business income At Capital Plus Finance, we work with over 50 lenders—so even if you’re a newer business or don’t tick every box, we often still find a solution. How We Make It Easy Fast pre-approvals (often same-day) Minimal paperwork for low-doc options Access to specialist lenders who understand your industry Flexible terms up to 7 years We’ll take care of the application, negotiation, and settlement—so you can stay focused on running your business. Final Thought The right equipment can unlock serious growth—but paying upfront can stall your plans. Equipment finance gives you the flexibility to act now and grow sustainably. 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 today and let’s find the right solution for you. |
How Equipment finance can help you scale in the new Financial Year
How Equipment Finance Can Help You Scale in 2026 Financial Year If you’re planning to grow your business in the new financial year, one of the smartest moves you can make is leveraging equipment finance. Whether you’re upgrading machinery, expanding your fleet, or stepping into a new line of work, financing your equipment—rather than buying it…
Get in touch…
Location
Suite 407, 2-8 Brookhollow Avenue
Norwest NSW 2153
Phone | Email
Capital Plus Finance newsletter …
Connect with us
Capital Plus Finance Pty Ltd, ACN-125 441 821
Representative (Authorisation No. 478886) of Platinum Direct Finance Australia Pty Ltd (ACL No. 384428) a related entity of COG Aggregation.
Copyright © 2024 Capital Plus Finance.
All illustrations by Storyset.com
A Good Energy Project by Studio Malt