Different Types of Commercial Finance We Offer

The leading equipment finance brokers

We understand there are pressures from all sides when running a business. Research has shown over 60% of small to medium businesses who have recently applied for credit failed to get what they were looking for which resulted in the majority delaying growth or choosing not to hire new staff. We strive to help business grow, and have access to over 33 different bank, mainstream and non mainstream lending options. We work with you to understand what you wan't and what you're trying to achieve. We promise no hassle, easy to understand advice and good honest service. We don't take short cuts or make guesses, if we need more information to better understand how we can help you we'll give you a call to discuss.

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?
We 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 Central Queensland, 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 Rockhampton, Mackay, Bundaberg, 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 settled loans. Depending on your credit rating, we are typically able to obtain the better 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 work vehicle or commercial equipment in Central Queensland, Western Queensland, the big smoke 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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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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Cash Flow Loans

Loans for cash flow for your business can give it that injection of funds it needs to help with hiring a new staff person, acquiring some stock at a great price, to help with times when you know it will be quiet, a marketing boost, acquiring new businesses or many other business related costs. We have access to multiple cash flow options from Banks to Niche lenders who look at scenarios that are ‘out of the box’.
We have arranged over 19,000 loans for everyday Australians just like you! Get a quote now and find out why we are so popular.
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Information about Paleso Finance Group

Paleso Finance Group are local Queensland based Finance and Insurance Brokers. 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.

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
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