Business Products

The following are the types of business finance we arrange for our clients.  These are for when you are going to use the goods you wish to purchase to generate income. 

Finance LeaseChattel Mortgage
Hire PurchaseOperating Lease
Term RentalFleet Management
Insurance Premium Finance

 

 

 

 

 

 

 

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Finance Lease

With a Finance Lease, the Financier purchases the goods on your behalf and they retain ownership until the lease agreement has been paid in full. You agree to lease these goods for a period of time and upon completion, a Residual Value is payable to the financier to complete the contract. (Click for more)

Chattel Mortgage

With a Chattel Mortgage, the financier lends you the money to buy the goods in your name and they secure their loan by registering a charge over the goods. You repay the loan over a period of time and upon making your last payment, the financier removes their charge over the goods. (Click for more)

Hire Purchase

With a Hire Purchase, the financier buys the goods on your behalf and retains ownership until the debt has been paid in full. They secure their loan by way of a registered charge over the goods and once you have paid the debt in full, they hand you title to the goods. (Click for more)

Operating Lease

With an Operating Lease, the Financier owns the goods and you agree to use them for a specified time period during which time, the goods will complete a specific measurement such as distance or hours. (Click for more)

Term Rental

With a Term Rental, the Financier owns the goods and you agree to rent them for a specified time period. This form of finance is best applied to low cost business machines. (Click for more)

Fleet Management

This service is only available for motor vehicles that are used for business purposes, with the financier using an Operating Lease as the finance transaction. (Click for more)

Insurance Premium Finance

This is a short term commercial loan contract that enables you to borrow the full amount of your business insurance premium and re-pay the amount by way of monthly instalments. For ccounting purposes, you claim the interest charges on the loan a business expense. (Click for more)