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.

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.