Grow Your Business
Get the funding you need to take your business to the next level.
Discover the invaluable expertise of our commercial asset finance consultants and how they can propel your business forward.
Our team specializes in a spectrum of financing solutions , adept at tailoring asset and equipment finance options to precisely match your business's distinct needs and objectives.
Asset-Backed Financing: Chattel Mortgage
A chattel mortgage leverages the purchased asset itself as collateral for the loan. Unlike mortgages tied to real estate, this type of financing is specifically for movable assets like vehicles or factory machinery. Should the borrower default on repayments, the lender retains the right to seize and liquidate the asset.
Flexible Leasing: Hire Purchase
In a hire purchase agreement, a business leases an asset from a provider who procures the asset and then leases it to the business. Throughout the lease term, the provider retains ownership of the asset and assumes responsibility for maintenance, repairs, and insurance. The business makes periodic payments to the provider, ultimately gaining ownership of the asset at the lease's conclusion.
Streamlined Documentation: Low Doc Loans
Low doc loans, or self-declaration loans, function similarly to standard commercial loans but with streamlined documentation requirements. Businesses must meet specific criteria, typically revolving around the duration of ABN and GST registration and property ownership. These loans offer expedited processing for well-established businesses, allowing lenders to fast-track applications.
Cash Flow Optimization: Sale & Buyback
Sale and buyback financing involves raising a loan (via lease, chattel mortgage, or hire purchase) against an asset owned outright and free from encumbrances. This strategy injects immediate cash into the business while enabling continued use of the asset, ensuring operational continuity without financial constraints.
