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Issue · September 2026

The Budget, Rradar
& more.

The Federal Budget continues to be a key topic of conversation, particularly around property, SMSF lending and proposed changes affecting business and investment structures. For us, the focus isn't on predicting every outcome — it's on being prepared for them.

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This month at RION

Four things worth your time.

Introducing Rradar
The Budget: The Conversation Continues
Helping Business Owners Create More Opportunity
More Than Cars — Asset & Working Capital
Rradar dashboard — your finance, live

Good finance shouldn't finish at settlement.

That's the thinking behind Rradar, Rion Capital's proprietary client and referrer platform. We wanted a better way to manage the whole financial relationship, rather than simply individual loan transactions.

Rradar brings a client's lending portfolio together in one place — loan balances, rates, property and security positions, LVRs, key dates and upcoming review opportunities. More importantly, it helps us identify when we should be having a conversation.

For our referral partners, that matters just as much. When you introduce a client to Rion Capital, our intention isn't simply to complete a transaction — it's to actively manage that finance relationship over time.

✓Loan balances, rates & LVRs monitored in one place
✓Property & security positions tracked over time
✓Key dates and review opportunities flagged early
✓More frequent, more proactive client reviews
Client Access · Mid-2026
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Market Update

The Budget: the conversation continues.

There's certainly no shortage of opinions about the Federal Budget and what the various measures could mean for property, investment and business. Our breadth across residential, commercial and business finance means we're not reliant on any single segment of the lending market — as one area evolves, we're able to consider the client's broader position and what other opportunities may be available.

01
Residential property & negative gearing

Changes to negative gearing have naturally generated plenty of discussion about investor demand, property values, rents and what the residential market may look like going forward. What it reinforces for us is the importance of regular reviews.

We're increasing the work we're doing around current valuations, equity positions, interest rates and debt structures, so decisions are based on where a client sits today — not where they were when their loan originally settled.

02
SMSF lending — our commercial focus continues

The changes affecting new residential property borrowing through SMSFs have understandably received considerable attention. For Rion Capital, our SMSF strategy has already been increasingly focused towards commercial property, so our direction here remains very much the same.

We're continuing to work with business owners and their advisers on opportunities involving industrial units, warehouses, offices and business premises held within SMSF structures.

03
Trusts & business structures

Changes affecting discretionary trusts are another area generating plenty of discussion, given how commonly trusts are used by our clients and investors. The tax and structuring implications are ultimately matters for the client's accountant and other professional advisers — where we become involved is understanding the finance implications of those decisions.

We'd much rather be part of that conversation before a restructure takes place than discover its implications when the client next requires finance. The best outcomes generally happen when the accountant, adviser and finance broker are talking to each other.

“

You advise on the appropriate structure. We'll help make sure the finance works alongside it.

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Commercial Focus

Helping business owners create more opportunity.

A significant part of our background is in business and commercial lending, and we're increasingly working with healthy, profitable businesses that aren't looking for finance because something has gone wrong. Quite the opposite — they're looking for finance because something is going right.

Funding acquisitions & growth

More established businesses looking at acquisitions — competitors, complementary businesses, buyouts, new locations or additional capacity — drawing on a broad range of bank, non-bank and specialist business lenders.

Turning success into personal wealth

Business owners who've spent years reinvesting profits and building value inside their company, but comparatively little wealth outside it — usually worked through alongside the client's accountant and financial adviser.

Is the existing debt still right?

Sometimes the answer isn't more debt — it's better debt. A review may identify opportunities to consolidate facilities, extend terms, reduce funding costs or release unnecessary security.

ATO debt doesn't mean “no”

A historic tax liability can complicate finance, but it doesn't automatically rule it out. The earlier we're brought into the conversation, the more options we're generally able to explore.

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Asset & Working Capital

More than cars.

When people hear asset finance, it's easy to immediately think cars and utes. We certainly finance those — but that's only a small part of what's possible.

Large equipment & machinery
Funding for businesses investing in significant plant, equipment and machinery — without unnecessarily draining the cash reserves a business needs day to day.
Import & equipment funding
Substantial import lease transactions, helping businesses fund equipment manufactured and imported from overseas before transitioning into longer-term asset finance.
Invoice finance & working capital
A growing business can be profitable on paper while under cash-flow pressure. Invoice finance, overdrafts, trade and debtor finance can free up cash tied up in the debtor book.

It's not simply “can we get them a loan?” It's what type of funding actually suits how this business operates.

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Let's catch up.

If it's been a while, let's grab a coffee, organise a Teams call, or we'll come out to your office. Got a client or a scenario you're unsure about? Give us a call — it doesn't need to be fully formed, that's what the initial conversation is for.

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