Asset Finance

Car and Equipment Finance

All Finance Options can arrange finance for consumer and commercial car loans, vehicle, equipment and asset finance and leases. We can assist you to finance your plant and equipment upgrades with a range of loan options that can be easily designed to suit your cash flow.

Whether your business is large or small, whatever your industry, our equipment finance team can help with all types of operating leases and equipment rental.

Because we take the time to listen and understand your business and asset strategy, we can structure the deal according to your objectives. This gives you the flexibility to grow without excessive strain on the lifeblood of your business – your cash. 

Consumer car loans

A car loan is suitable when the vehicle is used wholly or predominantly for private purposes. This means that the vehicle is used privately for more than 50% of the time. The motor vehicle is the only security needed, although in some circumstances a guarantee may also be required.

The loan term and balloon payment can be tailored to suit individual circumstances.

Vehicle loans and leases

All Finance Options can arrange finance for cars, boats, motorbikes, jet skis and other registrable items. The most common form of financing is through a secured loan. The asset purchased is used by the lender as security for the loan often allowing a lower interest rate in return.

Secured loans (consumer mortgages) are designed for people purchasing for private use. Our products include chattel mortgage, hire purchase, novated leases and consumer car loans.

Leasing, hire purchase and chattel mortgage loans are available for vehicles used for at least 50% business needs.

At All Finance Options we make sure the client application meets all lending criteria to provide the best chance of securing approval.

Asset lease

An asset lease enables you to have the use of your business equipment and the benefits of ownership while a lender retains actual ownership of the equipment. The lender purchases the equipment on your behalf and you then pay the lender a fixed monthly lease rental for the term of the lease.

At the end of the lease you have the option to either pay a residual on the lease and take ownership of the equipment, sell the equipment or re-finance the residual and continue the lease.

Chattel mortgage

Chattel mortgage is an ideal way for individual business customers to maximise the taxation benefits gained from financing new plant & equipment. It is designed for those sole traders and partnerships who account for their business operations on a cash basis and can be used for purchasing a new equipment or upgrading existing equipment.

Commercial hire purchase

A Hire Purchase agreement is an arrangement to purchase equipment subject to payment terms. During the term of the agreement, the financier owns the vehicle, plant or equipment. Ownership is automatically transferred to your business when it makes the final payment. The choice is also available to purchase the equipment at any time during the term of the agreement.

Hire purchase

Commercial hire purchase agreements are typically used by individual business customers who wish to place a deposit into their finance contract or nominate the value of the balloon (final instalment) on their contract. This type of contract offers maximum flexibility to set the monthly repayment amount to suit individual circumstances.

Equipment hire

Whether you need to increase production capacity or update old equipment there comes a time in every business when an investment in plant and equipment is a must. The question is how to manage the purchase of expensive business equipment without tying up precious cash resources. Equipment financing is the solution!

There are many benefits to renting or leasing your plant and equipment including:

  • Fixed monthly costs help you budget and manage your cash flow
  • Payments are tax deductible
  • Leased equipment does not appear on your statement of financial position (balance sheet)
  • Contract terms are negotiable so we can arrange a deal that meets your financial needs

Need a consultation?

If you would like to speak to us about your specific requirements please use the form below to contact us today.

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P: 1300 886 048
E: hello@yellowstonefinancial.com.au
A: 265 Sandgate Road
    ALBION QLD 4010

Corporate Authorised Credit Representative of Custom Equity Group Australian Credit Licence No: 386444

CRN 541477

 

LICENCE DETAILS

Meridian Finance Pty Ltd

ABN: 89 659 098 067

T/as All Finance Options


FURTHER INFORMATION