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Are you a small business that is wanting a tax effective strategy to finance a new piece of equipment or a new vehicle, or are you an established business looking to upgrade your fleet?
No matter what size business you are or how long you have been trading our commercial loan experts understand business. We recognise the importance of finding a suitable commercial loan that protects your cash flow and keeps your business heading in the right direction.
Commercial Loan Options
Low Doc Car Finance
This is a popular commercial loan that suits businesses who are yet to have their financials completed. The Director will guarantee the loan on behalf of the business and confirms that they can meet the commitment they are entering into. You have the ability to claim the GST, depreciation & interest. This can also be commonly known as a low or No doc chattel mortgage.
The most commonly sought commercial car loan product. The funds are normally borrowed to purchase most types of equipment including cars, trucks, pieces of equipment and machinery. The asset is owned 100% by the borrower and the borrower has the ability to claim the GST, depreciation & interest.
Commercial Hire Purchase
Also known as an offer to hire. This is where the financier owns the asset and the hirer pays their regular instalments until the final payment is made. Once this has been completed the hirer gets ownership of the asset and clear title. Depending on your accounting method will determine how your GST and other deductions can be claimed.
Also commonly known as an operating lease. A “Rental” is a finance arrangement where the financier retains title even after the rental term has been completed. All repayments are normally 100% Tax deductable.
A novated Lease is an agreement between the employee (Lessee), their employer and the finance company (Lessor). It works by creating an agreement between the lessee and the lessor generally in the way of a finance lease. The novation agreement is then entered into by all three parties involved which effectively transfers the responsibility of the payments to the employer during the lessee’s period of employment. There are a number of benefits to both the business and the employee using this method to finance a vehicle.
Line Of Credit
Sometimes also referred to as an overdraft or debt facility. This allows your business to extend terms to trading partners or purchase extra stock prior to the sale of goods. It is a useful loan product that allows your business to manage cash flows and their financial commitments if they fall outside payment terms from their customers.
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I didn’t think I was eligible for a personal loan as I’ve just come off maternity leave and mine and my partners credit rating isn’t great! Neil did everything he could to try help us get the loan. With Neil’s help I was approved and had the money in a matter of days. No fuss and repayments I can afford.
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