When capital expenditure is not a business advantage, or equipment is quickly outdated, a Rental Operating Lease makes sense. The lender retains full ownership of goods/equipment and they are returned at the end of the rental period or new terms are negotiated.

Why Rental / Operating Lease works better for your business

Frequently Asked Questions

A Finance Lease provides 100% financing with no need for a deposit for the purchase of business equipment.

Hire Purchase is an agreement to purchase equipment subject to payment terms. During the term, the financier owns the vehicle or equipment, and when the customer makes the final payment ownership is automatically transferred.

We can establish Documentary Letters of Credit (DLC) on behalf of your customers. DLCs let clients import goods (capital equipment) from overseas suppliers without the need for cash payments prior to receiving the goods.

• We rely on the imported asset as security, as well as the overall credit standing of the customer.
• Capital Finance is also able to provide Foreign Exchange cover to minimise currency exchange risk.
• We can arrange ‘at sight’ or terms payments upon installation of the asset converting the transaction to a Lease/Commercial Hire Purchase for up to 60 months.

Our Express Small Ticket service is suitable for transactions from around $5,000. It is a very rapid process and an easy way to manage small deals without tying up resource. Small ticket lease and hire purchase is ideal for any small business purchase.

The main difference between Hire Purchase and leasing is that you gain equity in the asset with each monthly rental payment.

A chattel mortgage is simply a loan of money where Capital Finance takes a lien by way of Bill of Sale over an asset. The difference between this product and Commercial Hire Purchase and Leasing is that the customer owns the equipment from day one for both common law and tax purposes. This may benefit business customers who utilise a cash accounting system. We recommend you check with your accountant or legal advisor first.

A Novated Lease is a flexible and convenient way of purchasing a vehicle for both employers and employees. All on road costs, registration costs and insurance can be financed within the deal. To find out how you can benefit, call us today. We have a national team and can organise the best consultant for your business.

Finance is subject to credit assessment and approval.
Credit fees and charges are payable. Terms and conditions apply.