Different Types of Commercial Finance We Offer

The leading equipment finance brokers

Paleso offers a vast range of options for commercial car finance solutions and equipment loans. Individuals and companies seeking finance for equipment to be used in the normal course of business often use commercial loan facilities to aid in purchasing major items aid cash flow. Our brokers are the business finance experts at Paleso and can help you save both time and money sourcing the right finance solution.

No financials?
Our brokers can still try and help. Talk to us now about our self-declaration of income options for your next commercial asset purchase.

Don’t allow cash flow problems stand in the way of operating your business. View the different types of commercial equipment loans on offer in Brisbane and throughout Australia to see which one suits your needs. As always we advise you consult your accountant before making a decision on which type of finance facility you wish to obtain.

Benefits of utilising a commercial loan
As accredited equipment finance brokers, we are able to afford many benefits to our clients in Brisbane and elsewhere in Australia. We’re able to do this by sourcing loans from reputable providers at competitive prices. As we have established strong and on-going relationships with many of our lenders, we are often able to secure more economical rates due to the volume of our purchases. Depending on your credit rating, we are typically able to obtain the best rates compared to if you were to approach the lender directly.
Some of the other advantages of seeking equipment finance solutions is the flexibility to manage your revenue more efficiently to benefit your business. Depending on the type of equipment you require, the upfront cost may prove too steep to cover in one lump payment. In this regard, it more convenient to obtain a loan and pay off the cost over a longer period of time, allowing you to save the money as you go.

Get in touch today for a chat
Whether you were interested in obtaining the finances for a new caravan or commercial equipment in Brisbane or beyond, give us a call today to discuss any questions you might have. You can reach us on 1300 326 658.  

View the different types of Commercial Finance products on offer to see which one suits your needs. As always we advise you consult your accountant before making a decision on which type of finance facility you wish to obtain.
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Hire Purchase

Hire Purchase is a rental agreement, but differs from a finance lease in that the goods (the car or van etc.) automatically become yours once all terms of the agreement have been completed. With Paleso’s panel of lenders, ownership of the vehicle(s) rests with them until the final payment is made, however for tax purposes you may be able to claim equipment depreciation and interest paid, against your business income (check with your accountant).
You also have the option of including an upfront deposit or trade-in to reduce your rental commitment, while a balloon payment may also be set at the end of the term (much like a lease residual) to acknowledge the equipment’s end value. Alternatively, you may choose to structure your rentals to clear the debt in full over the term of your agreement.
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Chattel Mortgage

The most common facility taken up, Chattel Mortgage is essentially a charge over goods to be financed (the vehicle). A Chattel Mortgage allows businesses who operate under a ‘cash accounting’ basis to claim the full input tax credit from GST incurred expenses immediately.
This business car loan structure can be tailor made on a similar basis to a Finance Lease & Asset Purchase facility.
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Lease

A Lease is a form of rental agreement under which you lease your vehicle for an agreed term and rental amount. A residual value is set to reflect the vehicle’s value at the end of the term.
The car is owned by the finance company, but the lease rentals are tax deductible to you, as long as the goods are used in connection with producing assessable income.
At the end of the Lease you can make an offer to purchase the car from the finance company, trade it in on a replacement, return it, or extend the lease for a further term.
More specific types of Leases are available including Novated Leases and Serviced Novated Leases. Paleso can assist with these facilities as well.
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Low / No Doc Commercial Loan

In some instances a business may have not finalised its financial reporting for the previous financial year, or even the year prior, however still need to be able to obtain business equipment to keep the operation running. Paleso have a panel of bank and finance lenders that in certain circumstances can consider an application without the requirement of proof of the business income. Contact us to find out more.
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About Us

Paleso Finance Group are an independent Queensland based Finance and Insurance Broker. We offer credit assistance services via our branch network as well as over the phone and internet to consumer and commercial clients looking to purchase large ticket items such as Cars, Bikes, Boats, Caravans. We also assist with personal loans to help fund other life events like holidays and medical costs. We act as an intermediary between yourself (the consumer) and the most suitable lender for your profile and request.

COMPANY DETAILS

Russell Parker Consulting Pty Ltd ATF The Nosey Trust T/AS Paleso Finance Group.

ABN: 50 089 326 812
Australian Credit Licence # 376853

Phone: 1300 326 658
Email :
info@paleso.com.au