Asset Finance

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Finance Lease

A Finance Lease is a contract in which you (the 'Lessee') have use of a selected piece of equipment for an agreed time frame in return for a series of rental payments to lender (the 'Lessor').
Cash flow retention: 100% finance so cash can be retained for other purposes.
Profit forecasting and budgeting: contracts are fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility: option to select the term and the timing of repayments to suit your cashflows.
Tax advantages: lease rentals may be tax deductible, provided the equipment is used to generate assessable income, you should seek your own taxation advice to confirm your position.

Chattel Mortgage

Facility whereby Customer (the business entity) takes ownership of the goods upon delivery, with lender securing the loan by a charge over the goods. A charge is a form of security that places a mortgage over the financed goods.
Cash flow retention: 100% finance so cash can be retained for other purposes. Customer may have equity in goods by way of deposit or trade in allowance.
Profit forecasting and budgeting: contracts are fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility: option to select the term and the timing of repayments to suit your cashflows.
Tax advantages: depreciation, interest charges and fees relating to the transaction are tax deductible, provided the equipment is used to generate assessable income - you should seek your own taxation advice to confirm your position.

Hire Purchase

A Hire Purchase agreement is a contract by which lender (the 'Owner') conveys to the customer (the 'Hirer') the right to possess and use an asset and the right to acquire ownership of the asset by making progressive payments.
Cash flow retention:100% finance so cash can be retained for other purposes. Customer may have equity in goods by way of deposit or trade in allowance.
Profit forecasting and budgeting: contracts are fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility: option to select the term and the timing of repayments to suit your cashflows.
Tax advantages: depreciation and interest charges relating to hire purchase transactions are tax deductible, provided the equipment is used to generate assessable income - you should seek your own taxation advice to confirm your position.

Corporate Lease

Corporate Lease facility takes your individual leases and incorporates them into a total asset management package.Corporate Hire Purchase facility provides similar service for your hire purchases.
Cash flow retention: 100% finance so cash can be retained for other purposes.
Profit forecasting and budgeting: assets spread over different states, departments or business units can be grouped to provide tailored asset tracking and cost centre reporting thereby allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility:
1.Option to select the term and the timing of repayments to suit your cashflows.
2.Ability to roll multiple payments into one common repayment date per rent payment period.
3.Ability to choose from a suite of published fixed and variable interest rates.
Tax advantages: provided equipment being financed is used to generate assessable income, depreciation and interest charges relating to the Corporate Hire Purchase transactions is tax deductible whilst rentals are tax deductible in the case of a Corporate Lease - you should seek your own taxation advice to confirm your position.

Ask yourself the right questions

Choosing the right type of asset finance can help save you time and money to invest in growing your business. You can also reduce the risk of owning obsolete equipment and there can be various tax outcomes too.

From vehicles for commercial and personal use to heavy machinery and shop fit-outs. We can do finance equipment such as furniture and technology for offices, medical institutions, retail shops, warehouses and factories.

When considering asset finance options, ask yourself:

-how much capital do I need to grow my business?
-when do I need to smooth the bumps in my cash flow?
-what are the tax outcomes of asset financing?
-how long will I need the equipment and will I need to upgrade it?
-is technology rapidly changing in my industry?
-do I want to 'finance to own' or 'finance to return' my asset?

Generally speaking, asset finance options include: Commercial Hire Purchases; Financial and Operating Leases; Chattel Mortgages; Novated Leases; and Technology Rentals. Each is suited to different commercial circumstances, so when considering your options, you may want to talk to your accountant or tax advisor.

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Why choose us for your asset finance?

1. Exceptional service
Our clients truly understand how simple and refreshing equipment finance can actually be, let us show you.

02. Solutions not objections
If there is a funding solution for your equipment purchase we will be the ones to find it with our resourceful options and experience.

03.Competitive options
We can provide you with options and choose the best rate available with a preferable structure & term.