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Equipment Finance

Facilities include:

  • Commercial hire purchase
  • Chattel Mortgage
  • Finance lease
  • Operating lease and rental

We offer equipment finance for:

  • General machinery
  • Earthmoving equipment
  • Cranes, forklifts, trucks, trailers, buses, motor vehicles
  • computer and technology equipment
  • Office and warehouse fitouts

Our expertise ranges from putting together a one off equipment finance facility for a car lease, to setting up large master equipment finance packages and operating lease products for major corporate clients. A master facility has the advantage of having a pre-approved dollar limit in place ready for all your capital purchases. This is helpful for budgetary purposes and eliminates the frustration of chasing equipment finance each time a new piece of equipment is purchased. Drawdowns are made on the facility as required.

Commercial Hire Purchase

A Commercial Hire Purchase is a equipment finance loan in which you borrow money to pay for your equipment finance requirements.

Major Benefits

  • There are options for balloon payments at the beginning and or end of the loan
  • Payments can be structured monthly, quarterly, bi annually and annually
  • Terms generally range from 1 to 5 years, however longer terms on amounts over $200,000 may be available
  • Repayments are fixed throughout the term of the loan making budgeting easy
  • There is the option to purchase the equipment at any time during the term of the loan

Finance Lease

A Finance Lease is a fixed rate equipment finance product, which allows you the use of the equipment over a set period.

Major Benefits

  • Payments are tax deductible provided the goods are used for business purposes
  • Leasing helps you preserves working capital
  • Terms generally range from 1 to 5 years, however longer terms on larger amounts may be available
  • A residual value is set at the beginning of the contract.
  • You may make an offer to purchase the equipment at the end of the contract.
  • Fixed payments make budgeting easy

Operating Lease

Is an equipment finance option that gives you the use of equipment for your business without the hassle of disposing of it at the end of its useful life. It is just like renting your equipment over a fixed period.

Major Benefits

  • Fixed repayments over a fixed term Terms of 24 to 60 months
  • Payments are 100% tax deductible when the equipment is used solely for business purposes.
  • Helps preserve your working capital. At the end of the equipment finance term you just return the goods.
  • Options to make an offer to purchase or on-rent the goods may be given at the end of the equipment finance term.
  • Makes budgeting easy.

Sale and Lease-back or Sale and Hire-back
If you have paid for your goods with cash and decide you would prefer to finance the equipment, 1800approved can arrange to buy your equipment from you and lease or hire it back to you.

Major Benefits

  • This injects cash into your business You get the tax benefits of either finance lease, Commercial Hire purchase or operating lease products, depending on what you choose.
  • Terms of 24 to 60 months
  • Fixed repayments

Convenience of paying for your equipment when you want instead of waiting for equipment finance to be arranged. This may help you in a situation when you have to make a quick decision on a good deal or you may be purchasing equipment at an auction which requires immediate payment.

If you would like to make a finance enquiry, please fill out the form below, and press SEND.
We will get back to you shortly regarding your finance enquiry.

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