Loan Types

We understand that how you structure a loan impacts directly onto your bottom line result. Talk to us about which loan is right for your business.

Loan Types

Chattel Mortgage

Chattel Mortgages tend to be favoured by smaller businesses for their ability to provide GST Input Tax Credit on the purchase price.  Just like a Commercial Hire Purchase agreement, a Chattel Mortgage can be structured to a business’ individual needs and can be particularly cost effective for smaller businesses.

Operating Lease

An Operating Lease lets your business rent, rather than buy, so that equipment purchases are not shown as an asset on the balance sheet.  An operating lease also eliminates the risk and hassle of trying to re-sell equipment at the end of the finance term – you simply hand the goods back to the financier.

Novated Lease

A Novated lease offers an attractive incentive to employees – allowing them to purchase a vehicle for personal or business use by salary-sacrificing repayments from their pre-tax income. Employers can also benefit from Fringe Benefits Tax allowances available in many circumstances.

Insurance Premium Funding

Insurance Premium Funding helps control your cashflow by spreading the cost of insurance over 6 to 12 months.  Whether for WorkCover, public liability, general or building insurance, this option eliminates the impact of large insurance bills – particularly for large or fast-growing fleet operators.

Acquisition Funding

If you’re expanding your business through acquisition, we can assist with finance that is secured against the assets and goodwill of the business you’re acquiring.  We’ll handle the funding process from start to finish including arranging valuations, asset inspections and negotiating goodwill funding.

Debt Restructuring

As your business grows and changes, so can your exposure to debt.  Business banking facilities should be regularly reviewed to be sure they serve your current circumstances.  We can look at ways to restructure your existing loans to release personal property from the security held by the bank, free up working capital and cashflow, and provide a sound platform for future growth.