Look at the calendar. It’s May 28, 2026.
If you’re running a business in Australia, that date should make you feel a little twitchy. Why? Because the clock is officially ticking toward June 30. We are now down to just a few weeks until the end of the financial year (EOFY), and if you’ve been thinking about upgrading your gear, buying that new truck, or expanding your manufacturing line, the “I’ll do it tomorrow” phase is over.
At Capital Plus Finance, we’re all about straight talk. No fluff, no banking jargon that makes your head spin. Just the facts. The fact is: you can still settle your equipment finance before June 30, but the window is tight and you need to move now.
Here is how you get it done without the headache.
Why the June 30 Deadline Actually Matters
Most business owners aren’t accountants, and that’s a good thing: you’ve got actual work to do. But you don’t need a CPA to tell you that timing your equipment purchases can save you a massive amount of money come tax time.
Whether it’s taking advantage of the latest instant asset write-off rules or simply ensuring your business expenses are captured in the 2025-2026 financial year to offset your profit, the benefits of settling before midnight on June 30 are huge.
But here is the catch: “Settling” doesn’t mean just signing a piece of paper. It means the funds have moved, the equipment is delivered (or ready for use), and the deal is done. With only a few weeks left, every day matters. If you wait until late June to start the conversation, you’re seriously pushing your luck.
Straight talk? The banks get slammed in June. Everyone and their dog is trying to get a deal across the line. If you want a real shot at settling before June 30, you need to start the engine today.
Tradies, Transport, and Manufacturing: The EOFY Trio
If you’re a tradie, a truckie, or running a factory, EOFY is your grand final. These industries rely on heavy, expensive kit that keeps the lights on.
- For the Tradies: Is your ute starting to cost more in repairs than it’s worth? Or maybe you’ve got enough work lined up for 2027 that you need a second excavator yesterday. Getting your earth moving finance sorted now means you start the new financial year with reliable gear.
- For Transport and Logistics: The demand for freight isn’t slowing down. If you need to add another prime mover to the fleet, don’t wait for the June rush. Trucks finance takes a bit of coordination, especially with delivery times. We can help you lock in the funding so you’re ready to roll.
- For Manufacturing: New CNC machines, ovens, or assembly lines are big-ticket items. They often require specialized plant and machinery finance. These aren’t “off the shelf” purchases, so the lead time is critical.
Low Doc Finance: The Secret to Speed
One of the biggest hurdles for small businesses is the paperwork. We get it. You’re busy on the tools or managing a crew; you haven’t had time to sit down with your bookkeeper and finalize every single line of your 2025 financials yet.
This is where low doc (low documentation) equipment finance is a lifesaver.
Simply put, low doc loans allow established businesses with a good credit history to secure vehicle finance or equipment loans without providing full tax returns or profit and loss statements.
If you’ve got an ABN, you’re GST registered, and you’ve got a decent equity position (like owning a home or having a good deposit), we can often get you approved in hours, not weeks. It’s the fastest way to give yourself a real shot at settlement before the June 30 cut-off.
Why Use an Equipment Finance Broker?
You could go to your local bank. You really could. But here is what usually happens: you wait on hold for forty minutes, talk to a “business specialist” who doesn’t know the difference between a skid steer and a forklift, and then wait three weeks for them to ask you for a document you already sent.
As an equipment finance broker, we do things differently.
- Access to 60+ Lenders: We aren’t tied to one bank. We have access to over 60 lenders, including the big ones, the boutique ones, and the specialists who only deal with specific industries. This means we find the right fit for your specific situation.
- We Handle the Paperwork: You hate forms. We’ve got systems to handle them. We package your application so it looks perfect to the lender, which speeds up the approval process.
- Hassle-Free Approach: We don’t do “maybe.” We give you a straight answer on what’s possible and what isn’t. If a deal won’t settle by June 30, we’ll tell you upfront instead of leading you on.
Equipment Finance and Leasing: What’s the Difference?
When you’re looking at equipment finance and leasing, it can get confusing. Should you go for a Chattel Mortgage? A Finance Lease? An Operating Lease?
Here’s the straight talk version:
- Chattel Mortgage: You own the equipment from day one. The lender takes a “mortgage” over the asset as security. This is usually the go-to for many businesses because of the potential tax benefits like claiming the GST upfront and depreciation.
- Finance Lease: The lender buys the equipment and leases it back to you. You have the use of it, and at the end of the term, you can usually pay a residual to own it.
- Operating Lease: Think of this more like a long-term rental. It’s great for equipment that goes obsolete quickly (like high-tech medical gear or some IT hardware).
Which one is right for you? It depends on your cash flow and what your accountant says. But don’t worry: we can walk you through the options so you can make a quick, informed decision. Check out our FAQs for more on the nitty-gritty details.
Step-by-Step: How to Settle by June 30
If you want to be sitting pretty on July 1st with your new equipment already working for you, you need to move quickly from here. Time is tight, but if you act now, we can still get it done. Follow this simple roadmap:
Step 1: Identify the Equipment
Don’t wait. Find the machine, the truck, or the tool today. Get a firm quote from the dealer. In 2026, supply chains are better, but delivery still takes time. You can’t settle on a machine that doesn’t exist yet.
Step 2: Get Your Basics Ready
Even for low doc loans, we’ll need the basics: your ABN, a few months of bank statements (which we can usually fetch digitally), and a copy of your driver’s license. Having these ready to go saves days of back-and-forth.
Step 3: Contact Capital Plus Finance
This is where we take over. You tell us what you’re buying and how much it costs. We scan our 60+ lenders to find the one that offers the best rate and, more importantly, the fastest turnaround for your industry.
Step 4: The Approval
Once we submit the application, we push the lenders. We know who is moving fast this EOFY and who is bogged down. We steer your application toward the path of least resistance.
Step 5: Document Signing & Settlement
In 2026, most of this is digital. You sign on your phone or tablet, the lender verifies everything, and the funds are cleared to the dealer. Job done.
Don’t Let the Paperwork Stall Your Growth
We see it every year. A business owner has a great year, they need a new piece of gear to take on a bigger contract in July, but they get stuck in “analysis paralysis.” They worry about the terms and conditions or they get overwhelmed by the options.
That’s what we’re here for. We handle the heavy lifting so you can stay focused on your business. Whether it’s car finance for a new sales rep or heavy trucks finance for a logistics expansion, we make it happen.
The Capital Plus Finance Promise
Straight talk. Hassle free. Job done.
We aren’t interested in wasting your time with “corporate speak.” We know that for a business in manufacturing or transport, time literally is money. Every day you’re waiting for a bank to call you back is a day that new equipment isn’t earning you revenue.
With access to 60+ lenders, we have the muscle to get deals across the line that others can’t. And because we specialize in equipment finance, we understand the pressure of the June 30 deadline better than anyone.
Ready to Move?
The clock is ticking hard, but you’ve still got a chance. There are only a few weeks left until June 30. If you act now, we can still get the wheels turning and work to have your finance settled before EOFY.
Don’t leave your tax benefits and your business growth to chance. Let’s get that equipment sorted.
Stop scrolling and start settling.
Contact Capital Plus Finance today and let’s get the job done. Or, if you’re just starting to look at your options, check out our blog for more tips on navigating the world of business finance.
Whether it’s business loans, debtor finance, or a simple business overdraft to help with EOFY cash flow, we’re the one-stop shop for your 2026 goals.
Let’s get to work.
