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Current Category Equipment Finance


* Unless otherwise stated finance figures quoted on this web site include Stamp Duty and GST, Figures are indicative only and approval is subject to normal credit criteria, Repayments calculated on a 60 month term with a 30% balloon payment, Figures are based on current market rates and may vary without notice, Minimum amount financed $2000.

 

Equipment Financing Information... Tailor Made Finance the Easy Way

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Our prefered brokers tailor each equipment finance solution specifically to a Client's requirements - there's no such thing as one size fits all. Facilities include but are not limited to...Operating Lease and Rental, Finance Lease, Commercial Hire Purchase (aka CHP), Novated Lease, Lease in Escrow, and Chattel Mortgage. Each of these facilities has its own unique set of features and benefits, and our Account Managers are able to provide you with unique insight into each of them.

 

Operating Lease or Rental

Equipment can now be easily acquired from Carpet Cleaners Warehouse! Through partnerships with Auscredits and Flexi Group, Carpet Cleaners Warehouse now offers a comprehensive Operating Lease facility. Purchasing capital equipment is an often frustrating experience - spending thousands only to have out-of-date or inadequate equipment a short time later. There is a much better way to get the equipment you need - an Operating Lease (or Rental) facility through The Leasing Centre.

Update and Upgrade: The Auscredit and Flexi Group's Rental facility provides ultimate flexibility. You can update, upgrade or add-on equipment without penalty. Changes can be made at any time through a simple contract variation, often without increasing monthly payments at all. 

Predictable Cashflow, Preserved Capital: With Rental, your capital and existing lines of credit are conserved for core business requirements: Rental does not impact your ability to borrow from your bank when you need it. In addition, Rental provides the security of a predictable monthly payment with no residual value liability - you have the equipment you need, at a constant, known cost. 

A Huge Tax Advantage: Rental payments are treated as a 100% tax-deductible expense item when the equipment is used for business purposes. Since the equipment is funded as an operating expense, it does not appear on your company's Balance Sheet. 

End of Term Options Without Commitment: At the end of the Rental term, you have a number of choices. You can purchase, re-rent, upgrade or return the equipment - it's entirely up to you. Most clients choose to constantly upgrade their equipment, thereby maintaining predictable monthly payment levels, and allowing them to stay current and competitive. 

A Total, Tailored Solution: Save time and money by consolidating all your business' equipment into a single payment, simply by bundling your equipment into the one Rental.

 

Commercial Hire Purchase

A Commercial Hire Purchase (or CHP) agreement is used where ownership of the asset is key. Built into the CHP contract is an acknowledgement that the hirer gains automatic ownership upon making the final payment. A CHP is most commonly used when financing luxury vehicles, and offers some additional flexibility over Finance Leases by allowing you to make up-front deposits if you desire.

Full Use, at a Known Cost: Like a Finance Lease, you have full use of the equipment during the term. You have the security of a predictable monthly payment, which can be lowered by adjusting either the deposit or the end of term ‘balloon’.

End of Term Options: At the end of the CHP term, ownership is ensured by simply paying the pre-determined balloon (similar to the residual value on a Lease). Note though, that you do not usually have the option of handing the equipment back as you do with a Lease or Rental. It is possible, however, to repay the contract before the end of the term.

Tax Effective Asset Management: While the equipment does appear on your Balance Sheet, any interest paid plus depreciation of the equipment is tax deductible with business use. Because payments are calculated on the GST inclusive price, CHP payments attract no GST.

 

Chattel Mortgage 

A Chattel Mortgage facility can be beneficial to those small to medium sized businesses (less than A$1 million p.a. turnover) who choose to account for their business using the Cash Method.

Full Use, at a Known Cost: Like other equipment finance facilities, you have full use of the equipment during the term. You have the security of a predictable monthly payment, which can be lowered by adjusting either the deposit or the end of term ‘balloon’. Unlike other facilities, however, you have ownership of the equipment from the outset. The Leasing Centre registers a charge over the equipment (similar to arranging a mortgage on a home). 

Tax Effective Asset Management: One of the main benefits of a Chattel Mortgage is the ability for those who account for their business on a Cash basis to claim back the GST component on their next Business Activity Statement. While the equipment does appear on your Balance Sheet, any interest paid plus depreciation of the equipment is tax deductible with business use. Because payments are calculated on the GST inclusive price, Chattel Mortgage payments attract no GST. 

End of Term Options: At the end of the Chattel Mortgage term, the charge over the goods is cleared by simply paying the pre-determined balloon (similar to the residual value on a Lease). Note though, that you do not usually have the option of handing the equipment back as you do with a Lease or Rental. It is possible, however, to repay the contract before the end of the term.

 

Our preferede brokers have expert staff will work with you to build a solution to allow you to secure the equipment you need to build, modernise or revitalise your business. We tailor each equipment finance strategy specifically to the needs and capacities of each client - our solutions are designed to effectively help bridge the gap between needs and budgetary constraints.

Unmatched experience and unparalleled service means Carpet Cleaners Warehouse customers will always receive tailored financial solutions specific to their business requirements.

Please Contact Us for further details.

 

 

 

 


 

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