About Business Finance

Commercial funding is significantly different than personal finance arrangements.
The requirements and expectations of lenders are different in the commercial world than for individuals seeking credit, and commercial funding also includes vendor lines of credit and construction loans as well as traditional unsecured loans and credit card accounts.

In order to establish a solid credit history, most companies must obtain a variety of different types of commercial credit accounts and maintain the correct ratio in each type. This can be difficult and confusing, especially for new enterprise owners who are making their first foray into the business finance marketplace.

Types of business finance

Chattel Mortgage

A loan to buy some personal item; the item (or chattel) is security for the loan.
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Commercial Hire Purchase

A commercial finance product is where the customer hires the vehicle from the financier for a fixed monthly repayment over a set period of time.
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Finance Lease

A lease that is primarily a method of raising finance to pay for assets, rather than a genuine rental.
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Lo Doc Motor Vehicle Lease

A lease agreement approved without the necessity of providing tax returns and business accounts. Instead the lease provider relies on the applicant’s credit history, length trading and individual guarantee to determine an approval.
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Lo Doc Operating Lease

A standard operating lease or rental which may be approved without the applicant needing to provide financial information.
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Managed Print Plan

A rental agreement which includes the service and consumable costs of print and copier products.
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Novated Lease

A lease between an employee and the lease provider which is paid by the employer.
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Replacement Facility

Allows lessees to upgrade their current equipment, being equipment subject to a current lease, without the requirement to provide the lease provider a full financial application or credit submission.
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Sale and Lease Back

Involves the lease provider or financier buying equipment which has already been purchased by the business.
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Fee Funding

Fee Funding is a ground breaking legal services funding product for businesses.
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Standard Operating Lease

Under an operating lease/rental agreement the lessor retains substantially all the risks and benefits incidental to ownership of the leased equipment.
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  • "Leaseit – Professional team who look after our corporate client finance. They blow the bank providers out of the water. Keep it up guys." - Tony Tziolis, Managing Director – AstronTech

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