With so much competition around and interest rates at historic lows there’s never been a better time to look at financing options.

We have access to a wide range of lenders, so regardless of whether you’re managing your cash flow, upgrading your equipment or growing your business we can help to turn your plans into reality.

No matter whether you’re a sole trader, partnership or company our experienced finance experts will help you to find the right solution. Even if you’re a new start up or had credit problems in the past our experts will find the best options for you.

There’s a range of options available to you depending on your circumstances. Our experts can help to guide you through the different types of commercial loans, which options you qualify for and the potential pros and cons of each.

Hire purchase is suitable when the asset will be used for predominantly (50%+) business purposes. The product is mainly used by ABN holders – companies, sole traders, trusts and partnerships.

Hire Purchase can also be referred to as Commercial Hire Purchase and Term Purchase. Under a hire purchase agreement the lender owns the asset during the term of the loan. The lender registers an interest in the asset to show others that they are using it as security for the loan.

A chattel mortgage is suitable when the asset will be used for predominantly (50%+) business purposes. The product is mainly used by ABN holders – companies, sole traders, trusts and partnerships.

Under a chattel mortgage the lender takes the vehicle (chattel) that you’re using the loan for as collateral. The lender registers an interest in the chattel to show others that they are using it as security for the mortgage.

A lease can also be referred to as a finance lease or asset lease. Under a lease agreement, the user (the lessee) pays the owner (the lessor – normally a bank or finance company) for the use of the asset, based on its GST exclusive price. The lessor registers an interest (also known as an encumbrance) in the vehicle to show others that they are using it as security for the lease.

Whilst you get the benefits of owning the lessor retains actual ownership of the asset. There is a residual value (balloon payment) at the end of the lease. This is an amount that is offset until the end of the term which has the effect of reducing your regular lease payments (rentals).

An operating lease can also be referred to as contract hire. Operating leases allow an asset to be leased over a fixed term with a set payment (rental). There is a residual value (balloon payment) at the end of the lease. This is an amount that is offset until the end of the term which has the effect of reducing your regular lease payments (rentals). The lessor (normally a bank or finance company) retains ownership of the asset while the lessee (you, the user) effectively just hires it for a period of time.

Can be used to purchase an existing business or franchise or to just simply invest to grow. They can be secured by property or even unsecured, although a guarantee may be required.

Can be used to grow your business either via a loan or a line of credit. They can include the option to pay interest only and can be a good short term finance option. They’re usually secured against residential or commercial property.

Allow you turn invoices into cash.

Short-term business finance that lets you spread a lump sum annual insurance premium across monthly instalments.