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Business Finance

Stress-Free Commercial Finance with Dependable Finance Broker in Brisbane and Toowoomba

Equipment finance for commercial purposes is no more a worry with industry-leading finance brokers in Brisbane. At Unlocked Finance, we are equipped with highly qualified and experienced mortgage brokers who have been fulfilling dreams of thousands of new entrepreneurs by providing flexible and same-day financing options at the cheapest rate. For business owners who have a stringent budget, we help them achieve long-term goals with a range of competitive lending options with flexible repayments. Serving for years, we have emerged as one of the trusted business loan brokers in Brisbane to fulfil your tailored requirements.

  • Equipment Finance
  • Chattel Finance
  • Lease
  • Low doc Loans
  • Agri finance

What made us perform outstandingly?

While building a long-term relationship, we offer our clients the expertise and give them access to a wide range of finance service. With the experience and knowledge, our service brokers are working across finance broker in Toowoomba and nearing areas. We ensure a structured transaction to suit your business requirements.

Equipment Finance

Equipment Finance Loans in Toowoomba, Brisbane Made Easy by Professional Brokers

Equipment Finance is used to fund the purchase of specific categories of equipment and machinery.

Equipment Finance options allow 100% asset value of an item. Some common reasons for sourcing equipment finance include the purchase of computers, machinery, vehicles, and almost any equipment required for business operations.

When you hear about equipment finance, the term Commercial Hire Purchase or CHP comes along. Under the agreements of CHP, the financier needs to buy a particular asset on the customer's behalf. The customer can only have full possession of the asset against regular payments until the last payment is done. The residual payment must also be made by the customers for asset transfer. Customers can also enjoy the option for trading the asset for a new thing. You can also take a loan facility for the residual payment when you will probably not be in the place for paying out the balloon payment.

Contact Unlocked Finance to discuss the appropriate equipment finance option for your purchase.

Max loan term is 7 years.*
Financial support up to 100% of the asset value and deposits can be used too.*
Tax deduction is valid on interest payments as well as depreciation when used for income producing purposes.*
Input tax credits are available if it is GST registered.*

* Applications for credit are subject to the financier's normal credit assessment criteria. Fees or charges may apply. Full details of all product terms and conditions are available upon request. Any taxation information provided is only general in nature and does not constitute tax advice, nor is it necessarily applicable to your particular circumstances. Farm Machinery Finance strongly recommends that you consult with your accountant, financial advisor and lawyer to determine the most suitable lending option for your particular circumstances and whether any particular taxation laws, obligations or benefits may apply to you.

Chattel Mortgages

To acquire machinery, vehicles and equipment, the chattel mortgage method is used. Under these terms, the financier will give you the funds in exchange of ownership of the asset at the time of purchasing.

The customer should make the regular payment while holding and using the asset. Soon after the final amount that includes residual/balloon payment, the customer gets the ownership to get the asset back. If the customer is not able to pay the residual payment, the residual/balloon payment can be refinanced into the new loan facility.

The chattel Mortgage is similar to the Commercial Hire Purchase or CHP while having differing taxation advantages and implications accordingly. With appropriate financial advise by a financial advisor or company accountant, you can determine the best option for your business.

What We Ensure:

The maximum loan term is for 7 years.
Up to 100% of the asset value can be financed
To produce the income, the Interest on payments and depreciation will be tax-deductible.
If input tax credits are registered for GST, it may be available under certain circumstances.

* Applications for credit are subject to the financier's normal credit assessment criteria. Fees or charges may apply. Full details of all product terms and conditions are available upon request. Any taxation information provided is only general in nature and does not constitute tax advice, nor is it necessarily applicable to your particular circumstances. Farm Machinery Finance strongly recommends that you consult with your accountant, financial advisor and lawyer to determine the most suitable lending option for your particular circumstances and whether any particular taxation laws, obligations or benefits may apply to you.

Lease

To finance the full value of the asset, a finance lease comes as tax effective. It is a legal contract between the lessor and lessee.

When it comes to financing the valuable assets, leases are used to finance them. For example, the software, office equipment, trucks or farm machinery etc. are the assets owned by the financier. While using such assets having the possession, the customer will keep paying the rental payments. Soon after spending the final amount that includes residual/balloon payment, the customer will get the ownership of the asset.

So, do you think the finance lease is the right choice for you? There are various parameters to decide this. However, the GST is payable for both residual and the monthly lease payment. If input tax credits are registered for GST, it may be available under certain circumstances. If the financed amount is under the depreciation limit set by ATO, you can claim full rental amount as a tax deduction. And for financing above the depreciation limit, you can claim the interest charges on the lease as well as depreciation.

To determine the best options, get financial advice from your accountant or financial advisor.

Maximum loan term is for 7 years.
Up to 100% of the asset value can be financed

* Applications for credit are subject to the financier's normal credit assessment criteria. Fees or charges may apply. Full details of all product terms and conditions are available upon request. Any taxation information provided is only general in nature and does not constitute tax advice, nor is it necessarily applicable to your particular circumstances. Farm Machinery Finance strongly recommends that you consult with your accountant, financial advisor and lawyer to determine the most suitable lending option for your particular circumstances and whether any particular taxation laws, obligations or benefits may apply to you.

Low Doc Loans

Are you looking for a fast and effective option for your finance solution? Our Low Doc Loans are meant for those who are looking for such a lending option.

What’s the best part of Low Doc Loans?

You certainly need to submit your recent financial statements and account proofs for any business loan when you are about to purchase a new asset. Based on the business circumstances or the year you have chosen for the loan also matter in this case.

However, Low Doc Loans do not need any such evidence. As the name indicates, the approval for this particular loan does not need too many documents. Instead, it's a fast track process where you need to submit very few documents for streamlining the assessment process.

Before you proceed with the decision of taking a Low Doc Loan, Unlocked Finance Pty Ltd suggests you to have a proper consultation with an accountant or financial advisor for understanding the features, terms and conditions of such loans more vividly. We provide your accountant with all the required product information for you to ensure that one can make a proper decision.

Agri-Finance

Easy Farm Loans in Toowoomba for Optimum Business Solution

 

If you are interested in farming or any business associated with agriculture, you should get in touch with us for various lending options. We have structured the agri-finance options just like the way it is for the standard property finance options, chattel mortgage, equipment finance based on the fact that whether the asset will be purchased or financed.

Some of the common examples of agri-finance options include equipment tractors, farm machinery, land and infrastructure. A commercial loan is also included in the category of agri-finance.

The term commercial loan here indicates the loan provided for buying different agricultural assets like farm equipment, vehicles, machinery and other properties.

Commercial loans are different from that of the other finance options. The customers here have asset ownership. The financier takes the mortgage over the asset for interest protection. They will allow you residual or balloon payments as well in some situations.

For those who are trying to find different advantages as well as obligations of taxation, this is to remind you that there is a clear difference between commercial loans and other financing options. Also, the GST and interest deductions are required to be explored as well. In this case, you need to take the advice of a financial advisor or accountant. They will help you to assess whether the commercial loan is the best option for you in that situation or not.

* Applications for credit are subject to the financier's normal credit assessment criteria. Fees or charges may apply. Full details of all product terms and conditions are available upon request. Any taxation information provided is only general in nature and does not constitute tax advice, nor is it necessarily applicable to your particular circumstances. Farm Machinery Finance strongly recommends that you consult with your accountant, financial advisor and lawyer to determine the most suitable lending option for your particular circumstances and whether any particular taxation laws, obligations or benefits may apply to you.

Truck Finance

Apply for Truck Loans in Brisbane with Right Finance Advice

Your search for the perfect truck finance solution ends here with us. Unlocked Finance Pty Ltd specialises in presenting the clients with a finance solution every time they come up to us. Starting from having an experienced team of consultants working for us to having the patience of offering tailored solutions - we have everything to save you from the hassle of struggling withtruck finance in Toowoomba, Brisbane. We are there to help!

You can send us a quote request, and we will look into the matter for a quick approval. With quick consultation and advice, our brokers will leave no stone unturned to give you the service you deserve.

Types of Trucks We Offer Finance Solutions for -

  • Car Carrier
  • Crane Truck
  • Concrete Truck
  • Refrigerated Truck
  • Livestock Truck
  • Tip Truck
  • Water Truck
  • Pantec Truck
  • Prime Mover

We Offer you Unparalleled Benefits:

  • We have consultants and brokers who have the knowledge and experience of dealing with the real world and how the truck industry works there.
  • We have a healthy relationship with the transport operators working throughout Australia.
  • We have made our financial approvals obligation free so that it solely remains as the client’s choice about whether they want to move forward with us or not.
  • Being well aware of the standards of the transport industry, we not only offer professional and effective financial guidance but also stand out to provide excellent service delivery.
  • We finance both new and old trucks that you are purchasing through private sellers and dealers.

Standard Eligibility Criteria to Apply for a Truck Loan

  • A standard deposit for the business people who are just starting off their business. In many cases, some companies offer no deposit vehicle financing solutions as well.
  • The applicant can be spared from providing any proof of income if the applicant can give the details of being in the same business for two years at least, or buying a brand new truck, or has a solid payment history.
  • The applicant can get the best finance rates when he is investing in a truck that is not more than 5 years old at the time when the buying papers are being prepared.

To know more or get detailed advice from our skilled brokers, contact us today. We will be more than happy to assist you in growing your business by financing your vehicle.

Address

  • TOOWOOMBA: 68 West Street Toowoomba Qld
  • WARWICK: 151A Palmerin St, Warwick, QLD 4370.
  • PO BOX 3047 Toowoomba

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