Makfin Capital

18/04/2026

📉 Cashflow Pressure Is Building. What’s Your Plan? 🚨

There’s quite a bit of pressure building for businesses at the moment.

📈 Margins are tightening,
🏦 ATO debts are becoming more of a focus,
🗓️ And from 1 July 2026, we’ve got Payday Super coming in—shifting super payments from quarterly to effectively every pay cycle.

That doesn’t change how much you pay, but it definitely changes when you pay it—and that affects your cashflow. 💸

When things get tight, short-term options to plug the gap can help... but often they just kick the can down the road. 🛣️

In a lot of cases, the better move is to step back and look at the bigger picture. 🔭

🤔 Is your current funding structure actually set up for how your business operates today?

If you haven’t looked at it in a while, it might be worth a conversation. 📞

💬 Feel free to reach out for a confidential, no-obligation chat.

19/03/2026

Had a few chats lately with business owners saying:

“The bank liked us when we were small, now everything feels harder.”

Growth changes things. What worked a few years ago doesn’t always keep up.

That’s where I help, finding the right funding fit across the market, not just sticking with one bank.

Reach out if you want to talk it through.

Call now to connect with business.

27/11/2025

🚨 𝗜𝗡𝗙𝗟𝗔𝗧𝗜𝗢𝗡 𝗝𝗨𝗦𝗧 𝗛𝗜𝗧 𝗕𝗔𝗖𝗞 𝗛𝗔𝗥𝗗

Yesterday’s numbers: Prices up 3.8% in the last year (was 3.6% last month) with rents, power bills, groceries, holidays, everything jumped again.

What it means for you right now:
• Rate cuts in 2025? → Gone.
• Earliest relief? → May/June 2026… maybe.
• Some banks are now talking zero cuts next year and even rate rises in 2027 😳

The big four just moved the goalposts together: high rates for a lot longer.

A few optimists say “it’s just noise, cuts still coming.”

The pessimists say “get comfortable.”

🏡 Homeowners: your 5.5–6%+ repayments are staying put for now

🛠 Business owners: overdrafts, equipment loans, commercial property loans and cashflow stays under pressure.

Either way, waiting for the RBA to save you is no longer a plan.

If you’re on a variable rate (home or business) and want to know your real options right now (refinancing, fixing, interest-only switches, cash-out for growth, or simply locking in certainty) drop us a DM or comment “OPTIONS” below and we’ll reach out today.

Your move, are you:
😤 Budgeting for another 18 months of pain
🤞 Praying for an early cut
💪 Already protected and feeling smug

Let us know where you’re at!

13/11/2025

Could your super buy your next investment property? 🏡💰

Aussies now have 653,000 SMSFs holding over $1.05 TRILLION in assets. That’s your retirement money and with the right setup, it can own real estate!
Here’s what’s possible (when done properly):
✅ Buy a unit, house, office or warehouse directly inside your SMSF
✅ Transfer a property you already own into your super (if eligible)
✅ Refinance inside the SMSF to unlock equity or get better rates

At makFin Capital, we connect you with specialist lenders offering:
📌 Competitive rates (fixed or variable)
📌 Up to 90% LVR (property & structure dependent)
📌 Fast approvals for compliant SMSF setups

But the truth is SMSFs aren’t for everyone. SMSF’s are subject to strict compliance requirements including annual audits which come with costs.

That’s why you need the full team:
👉 Your accountant (for tax & structure)
👉 Your lawyer (for trusts & compliance)
👉 Your finance broker (for the right loan)

We’re the finance part. Once you’ve got independent tax & legal advice, we help you find the best SMSF loan to match your strategy.

Want your super to work harder for your future? Drop a 🙋‍♂️ or DM us, let’s chat about what’s possible (no pressure, just facts).
________________________________________
📢 Important: This is general information only. Super and property decisions are complex. You must get personal advice from qualified professionals. makFin Capital does not provide tax, legal, or financial planning advice.

05/11/2025

RBA Hits Pause at 3.60%, But Your Interest Rates Don't Have to!

The Reserve Bank of Australia has decided to keep the cash rate unchanged at 3.60% following yesterday’s meeting, a move that's no surprise amid lingering inflation pressures. While this means no immediate relief from the big four banks, here's the good news, the broader lending market is more competitive than ever.

At makFIN Capital, we've seen clients shave 0.5% or more off their rates simply by switching to a better-aligned lender. Whether it's refinancing your business loan, optimising your investment property mortgage, or securing better home loan options, our whole of market access uncovers deals that your current provider might not be shouting about.

Don't let "status quo" hold you back. Let's review your setup today, no obligation, just real potential for lower costs and more cash flow for what matters.

DM me or drop a comment below: What's one financial goal you're eyeing for 2026? We'd love to chat.

Call now to connect with business.

30/09/2025

At makFIN Capital, we’ve built a finance brokerage that puts people at the centre of the process. We work with business owners, corporate clients, families, and individuals to simplify finance and provide clarity in what is often a complex landscape.

Our approach is personal and relationship driven. From the first conversation through to settlement and beyond, we stay by our clients’ side providing guidance, insight, and solutions that are tailored to their unique goals. Whether the need is commercial, residential, or something more specialised, we look at the whole picture and design strategies that make sense today and for the long term.

What excites me most is the ability to draw on a wide network of lenders and partners to create the right outcome for every client. It’s about more than securing funding, it’s about building lasting relationships and helping clients turn opportunities into reality with confidence.

Reach out anytime, we would love to have a chat

We Make Finance Work For You Your trusted, full service finance partner delivering holistic solutions tailored to your unique business and personal goals Why