Capital raise
Own the gear? Turn it into capital.
You own the trucks, plant or machinery, and your cash is tight. A capital raise turns that equipment or fleet into working cash, and you keep using it every day.
OzCap Finance is a Sunshine Coast business finance broker, working with lenders Australia-wide. Prefer we call you? Leave your number.
Three ways to raise it
- Equipment or fleet you own outright. A sale and leaseback. You sell it to a lender, lease it straight back and keep working. You get a lump sum now and make repayments over the term.
- Equipment or fleet with finance on it. If it's worth more than what you owe, some lenders will refinance it and release the difference as cash. It depends on the lender, the asset and how much is owing.
- A whole fleet in one deal. Several trucks, utes or machines can often go into one raise instead of one at a time.
What we raise against
- Trucks and trailers
- Excavators and plant
- CNC and machinery
- Utes and vans
- Tractors and farm gear
- Cranes and lifting equipment
A capital raise here means borrowing against equipment you own. It isn't selling shares or bringing in investors.
Own the gear? Tell us what you've got.
Send a list and a few photos. We'll tell you what looks workable.
What people use it for
Where the cash goes.
- Pay out the ATO. Swap a short, heavy ATO plan for a longer repayment.
- Cover payroll and super. Bridge the gap between customers paying and wages going out.
- Back a start-up. Use cash from gear you own to get a new business moving.
- Fund a purchase. Put the cash towards a deposit or working capital on a business you're buying.
How it works
Three steps.
Tell us what you own
Send a list and a few photos. Tell us what it's worth and what's owing, if anything.
We map the options
Leaseback or refinance. You see repayments, total cost and trade-offs side by side.
We find the lender and run it
The lender values your gear and puts terms on the table. We handle the paperwork through to settlement.
Who it suits
- You own equipment or a fleet outright, or have real equity in it.
- The gear has real resale value and a lender can value it.
- You need cash for the ATO, payroll, growth, a start-up or a purchase.
- You can afford the repayments and can show money coming in.
When it's not the answer
- You own no equipment a lender can take as security. Ask us about business loans or invoice finance instead.
- You can't afford the repayments. Raising more only delays the problem.
What to bring
- A list of the equipment or fleet: make, model, year, serial number or VIN
- Proof you own it, and what's owing on it, if anything
- Photos, and hours or kilometres if you have them
- Recent BAS, financials or bank statements
- ID for the directors
Rough numbers are fine to start. We'll tell you if it's worth going further.
In a leaseback, you don't own it during the lease.
Total repayments will be more than the cash you get. Get the end-of-lease options in writing before you sign.
Tax is your accountant's call.
How a capital raise sits in your books and tax depends on how it's structured and what the money is used for. Your accountant should see the numbers first.
Questions people ask
What is a capital raise?
Here it means borrowing against equipment or fleet you already own to get cash into the business. It's debt. It isn't selling shares or finding investors.
What can I raise against?
Trucks, trailers, excavators and other plant, machinery, CNC and workshop gear, and some vehicles. Each lender decides what it will take.
How much can I raise?
Lenders value the equipment and offer an amount based on that. We'll give you a realistic range once we see what you own.
Can I raise capital if I owe the ATO?
Sometimes. Paying out an ATO debt is a common use, but it depends on the lender, and many want your tax returns and BAS lodged. See ATO debt restructure.
Sale and leaseback or refinance?
If you own the gear outright, a sale and leaseback is the usual route. If there's finance on it, a refinance may release the equity. We'll run the options side by side.
Tell us what you own.
Call, text or send an enquiry. Straight answers.