Why Financing Matters
In today’s competitive business environment, acquiring new equipment can be a significant financial challenge.
Financing allows our customers to spread the cost over time, preserving cash flow for other critical business priorities.
This means you can invest in high-quality equipment
Financing also provides flexibility, enabling businesses to adapt to changing needs and market demands.
Whether it’s a small business needing a ice machine or a large facility requiring industrial-grade equipment, our financing solutions can make the difference between delaying a purchase and building your business.
Benefits of Financing with ilease
Flexible Payments
Spread costs over 12–84 months with tailored financing options
Preserve Cash Flow
Keep capital free for other business priorities
Scalable Growth
Upgrade or expand equipment as customer needs evolve
Fast Approvals
Streamlined processes ensure quick access to financing, often within 24–48 hours
Tailored Financing Solutions
As specialists in asset financing, we offer a comprehensive suite of flexible financing products designed to meet the diverse needs of our customers:
Chattel Mortgage
Commercial Finance Agreement
Features: Immediate asset ownership with the lender holding security until repayment. Fixed terms of 1–7 years.
Benefits: GST reclaimable upfront on the next Business Activity Statement (BAS), plus tax deductions for interest and depreciation. Ideal for businesses seeking balance-sheet control.
Use Case: Perfect for single, high-value equipment purchases, such as specialised machinery or technology for projects.
Equipment Rental Agreement
Operating Lease
Features: Zero upfront cost with fixed monthly rentals over 1–7 years. Options to upgrade, extend, return, or purchase at term’s end.
Benefits: 100% tax-deductible payments in most cases, off-balance-sheet accounting, and easy upgrades to keep pace with evolving technology.
Use Case: Ideal for businesses prioritising agility and minimal capital commitment.
Commercial Hire Purchase
Features: Fixed payments over a chosen term of 1–5 years, with the lender retaining ownership until the final payment.
Benefits: Predictable payments simplify budgeting, while flexible terms allow businesses to tailor repayments to cash flow needs. Depreciation and interest are tax-deductible, offering significant tax advantages.
Use Case: Suitable for businesses acquiring high-value equipment with a need for fixed, predictable costs.
Novated Lease
Features: A three-party agreement between an employee, their employer, and the financier, allowing payment for a vehicle and its running costs (e.g., fuel, insurance, maintenance) via pre-tax salary.
Benefits: Reduces income tax and fringe benefits tax (FBT) liability through salary sacrifice, enabling employees to finance vehicles cost-effectively for business use.
Use Case: Ideal for businesses providing company vehicles to staff, such as field technicians or sales teams.
Business Loans
Features: Debt financing with repayment of principal, interest, and fees over a specified timeframe, tailored to business needs.
Benefits: Provides capital for working capital, business expansion, or debt consolidation, enabling businesses to fund operations or invest in projects without straining cash reserves.
Use Case: Perfect for businesses expanding their equipment offerings, consolidating debts, or funding operational growth to support larger contracts.
Invoice Finance
Features: Businesses sell outstanding invoices to the financier in exchange for a percentage of their value upfront, improving cash flow.
Benefits: Unlocks immediate funds from unpaid invoices, enabling businesses to cover operational costs or invest in new projects without waiting for client payments.
Use Case: Suited for businesses managing large projects with delayed payment terms from clients, such as government or enterprise contracts.
Revolving Credit Facility
RCF
Features: Continuous access to a pre-approved credit line. Borrow, repay, and redraw as needed, with variable interest rates tied to market conditions.
Benefits: Streamlines financing for businesses managing multiple or recurring projects. Enhances flexibility for expanding deployments, allowing funding to match project timelines and market opportunities without repeated credit applications.
Use Case: Suited for businesses handling multi-site rollouts or ongoing equipment upgrades.
Franchise Finance
Features: Tailored funding solutions for purchasing, launching, or expanding franchise businesses, including start-up capital, equipment finance, fit-out funding, and working capital.
Benefits: Supports franchisees in acquiring equipment or establishing infrastructure, preserving cash flow and enabling long-term growth.
Use Case: Ideal for businesses operating as authorized franchisees, needing financing for equipment, store fit-outs, or operational support to expand their market presence.
Backed by 24-hour credit decisions, streamlined documentation, and terms tailored to project cash flows, these solutions enable businesses to undertake larger projects, deploy advanced solutions, and plan for seamless upgrades.
We are your trusted partner, tailoring solutions to support your business ecosystem.