Business Lending,Commercial,Equipment Finance

We are able to source loans for almost any purpose. We have a team of professionals that can help you find the loan you need. From Business Loans to buying commercial properties we can do it all.

We also have access to numerous options for your equipment finance. Further detail on these options are below:

Commercial Hire Purchase

Lender owns the goods at time of purchase and client makes regular payments to eventually own the goods. Can also have balloon payment at end which can lower repayments. Gst may be claimed in lump sum depending on accounting method (cash)otherwise claimed on payments (accrual). Tax Deductions on interest and depreciation.

Repayments Fixed Monthly, Quarterly, Half Yearly, Annually in Advance or arrears

Lease

Lender owns the goods at the end of contract. Lender will accept offers to buy at the end of the term at the residual amount (balloon payment) Balloon Payment at end can lower monthly payments. No deposit can be paid. Tax deductions on payments and Gst claimed for the term of the contract. Able to refinance residual at end of term.

Repayments Fixed Monthly, Quarterly, Half Yearly, Annually in Advance ,arrears may be considered

Rental

Lender owns the goods and rents them to the client at a fixed rental amount over a fixed term. At the end client can purchase item, extend term or hand back goods. Able to renogiate through term to upgrade goods. No Balloon or residual. Tax deductions on payments and gst claimed for the term of the contract. Added benefit of not appearing on balance sheets. Deposit would class as payments in advance.

Repayments Fixed Monthly payments in advance.

Chattel Mortgage| Asset Purchase| Bill Of Sale

Client owns the goods at the time of purchase and the lender secures the loan with a bill of sale ie- mortgage over goods. With or without a balloon. Gst is claimed back as a lump sum on the next BAS. Tax deductions of interest and depreciation.

Repayments Fixed Monthly, Quarterly, Half Yearly, Annually in Advance or arrears

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