Vehicle, Trucks & Motorbike Finance

Finance Prospects has partnered up with Australia’s largest asset finance broker to offer the best finance in the market, Stratton Finance.

Settling over $700,000,000 worth of finance in 2016 is proof that Stratton Finance was the right partner for our business, so Finance Prospects decided to bring it locally and help all South Australian’s get great deals.

Being local is important to South Australian’s, so we listened!

In 2014, Stratton finance became part of the Carsales network. By that time, Stratton

Finance had been working with Carsales for a number of years, helping customers shopping for cars on their network find a better deal on finance.

There are a few different types of finance options available and we are confident that we are able to find a solution that’s right for you.

CONSUMER LOAN

Consumer loans are best suited to individuals purchasing a car solely for private use. The purchaser is the title owner of the goods at the time of settlement.

CHATTEL MORTGAGE

Chattel mortgages are commonly used by companies, partnerships and sole traders to fund the purchase of cars, commercial vehicles and other business equipment. Under Australian taxation Office rules businesses that account for GST on a cash basis are entitled to claim the GST contained in the purchase price on their next Business Activity Statement. The purchaser is the title owner of the goods at the time of settlement

COMMERCIAL HIRE PURCHASE

Commercial Hire Purchase (CHP) is a loan structure wholly or predominantly for business use. The financier remains the owner of the asset until the last payment is made then the title is transferred. CHP simply means you are hiring the asset with the intent to purchase

FINANCE LEASE (CAR LEASE)

A Finance Lease (Car Lease) enables a business to have the use of a car or commercial vehicle and the benefits of ownership, while the financier retains actual ownership of the vehicle.

ASSET LEASE
An Asset Lease enables the customer to have the use of their business equipment and the benefits of ownership, while the financier retains actual ownership of the equipment.

EQUIPMENT RENTAL
Equipment Rental is an agreement between a financier and a customer whereby the financier buys the equipment on behalf of the customer and rents it back to them over a fixed period.

NOVATED LEASE (SALARY PACKAGING)

Novated Lease is a method of salary packaging a car, under which an employee leases a car and their employer pays the lease repayments from the employee's pre-tax income. Novated Leasing can be a tax-effective way for an employee to purchase a vehicle, and can also be a great way for employers to offer an extra incentive to their employees with little or no extra cost.

Have a small to medium business and need stream lined finance? Click here to find out more!