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The most common product for financing businesses assets. Unlike a Lease or Hire Purchase, you will take ownership of the asset at the time of purchase.
The financier takes a charge over the asset being financed as security for the loan, and once the contract is complete this charge is removed.
A Master Limit is an overall lending limit facility which allows the customer to access funds quickly and easily for each asset purchase, without having to go through the application process each time. This is suitable for companies who have an ongoing need to purchase equipment.
Under a Commercial Hire Purchase, the lender purchases the asset on behalf of the customer and agrees to hire it back to them over a period of time. Once all payments on the contract have been made, the customer takes ownership of the asset.
UNSECURED BUSINESS LOAN
There are many unsecured business loans available for when you need those extra funds to fuel your business growth! In many cases, these products are shorter terms, up to 36 months.
A Novated Lease is a three-way agreement between the bank, the customer and their employer. It's a method of salary packaging your car, where the lease payment is taken from your pre-tax income.
A Finance Lease is a commercial finance product, where the financier will purchase the asset on behalf of the customer and lease it back to them for an agreed term. At the end of the lease the customer can either pay the residual value (final lump sum instalment) and take ownership of the asset, or trade it in or re-finance the residual for an extended term.
A Consumer Loan is a personal finance product used when customers purchase an asset such as a car, boat or motorbike. The lender will take security over the asset being purchased, and once the loan is repaid, the interest will be removed.
Personal loans are a type of credit facility taken out for a specific purpose such as renovations, a holiday, wedding, purchase an older vehicle, or to consolidate debt. Personal loans can be unsecured or secured against a car or other asset. Rates will be cheaper if you provide security!