Asset finance
Asset & equipment finance calculator.
Asset finance is fast when it's structured properly. Here's the shape of the deal before you commit.
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A balloon lowers repayments but leaves a lump sum owing at the end.
Estimated repayment
$1,315 / monthmonth
Indicative vehicle finance on a $75,000 loan over 5 years.
- Amount financed
- $75,000
- Balloon owing at end of term
- $15,000
- Total repayments
- $93,871
- Estimated interest
- $18,871
What could change this figure
- Whether the asset is new or used, and its age at end of term
- Whether the finance is in a business or personal name
- Your credit profile and time in business
- Structure: chattel mortgage, lease or rental, each treated differently
This is an estimate only, based on the figures you have entered and simplified assumptions. It is not credit advice, an offer of credit, or an indication that any lender will approve a loan. Tax treatment of business asset finance depends on your structure and circumstances. Confirm with your accountant.
How this is calculated
- Repayments include interest carried on the balloon or residual amount for the term.
- The balloon remains owing as a lump sum at the end of the term.
- New and used assets are priced differently, and asset age at end of term affects lender appetite.
- Chattel mortgage, lease and rental structures have different tax treatment. Confirm with your accountant.
Free guide
The Business Owner's Finance Readiness Check
Commercial, working capital and asset finance
- Funding a big order without the cashflow cliff
- Equipment and asset finance, explained plainly
- Commercial property: lease versus buy
- Separating business and personal finance properly
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