Car Leasing and Business Finance

Is a Lack of Cash Limiting Your Business Growth?

In business cash flow is king!

A growing business needs a source of flexible finance.
Many expanding businesses find they are unable to reach their
full potential when working capital facilities do not expand in line with increased sales.

'Debtor Finance' is a proven solution for sourcing working capital

How does it work?
In simple terms,a financier buys your trade debtors up to 80% of the invoice value.
You are paid within 24 hour.

Now you get paid in 24 hours and not have to wait to get paid in 60 or 90 days.
No need to give discounts to get paid earlier.You now have
the opportunity to pay cash and recieve discounts on your
own purchases which mean extra profits on your bottom-line.

For more information please fill out the short request form below.

Leasing and Commercial Hire Purchase

We can provide you with a wide range of Business and Commercial finance and Leasing facilities.

So taking advantage of the scores of different business finance products to
purchase necessary vechicles,equipment,computors etc to help the business
growth and run more effiently makes good business sense. 

There are several options when the need arises to finance a purchase for the business. 

There is not one fit for all situations.
Tax concessions should not be the only consideration when making your decision on what type of finance package is best for your needs.

GST and cash flow implications should be considered.
Do you use your cash reserves to purchase and if so how may that impact your business cash flow in the medium to long term.

When comparing the different offerings make sure you are comparing apples with apples.
Are you being quoted just the interest rate and not the other costs and fees.
Are they combined and just one fix monthly fee is quoted.

Commercial Hire Purchase
Hire purchase has the advantage of being more flexible than a straight lease.
You are able to claim as a tax deduction the depreciation of the asset,interst payments.

If you are purchasing high depreciating asset(high end computer
heavy trucks ect )you can structure the contract to
benefit in the earlier years and you may be able to have an
appropriate balloon payment at the end.

GST Implications
A GST Credit can be claimed if you are accounting for GST via accrual basis.

If using a cash basis for accounting GST you can only claim 1/11th of principal conponent of the total payment on a monthly or quarter over the term of the HP Finance contract.

Lease Finance
You don't have to buy the asset at the end of the lease term and not compelled to make a residual payment( unlike a CHP arrangement )and the total monthly payment is tax deductable.

GST is generally not added to the purchase price but to the monthly payment.
Again if using a cash basis for accounting GST you can only claim 1/11th of the lease payment on a monthly or quarter over the contract term.Lease finance can be kept "off the balance sheet".

Novated lease
Novated lease is a flexible and convienent arrangement between the financier,the employer and employee.
The employer is responsible for the purchase and monthly payments generally a company car.

The employer's obligation ceases when the employee leaves his employment or the lease term ends.
The employee can offer to buy the car.

Please contact with all your questions about any sought of business finance.
There is no obligation.

Send for our FREE Report:
"How to improve your cash flow and increase your profits by 30% in the next 12 months

Click here for more information Cash flow report

We have Finance packages for the following areas:

For Free No Obligation Quote on your next leasing, simply fill out the inquiry form and
we will get back to you within 24 hours.