Business Finance and Advice

When you need someone in your corner to help you with equipment financing, commercial loans and any other business finance.

Business borrowing is complex and depends upon a number of factors, such as how the transaction is presented to banks and their exposure to similar lending with other businesses. With your own Astute expert, you can focus on your core business whilst our specialists work out which institution can help.

Commercial Finance

Astute’s reputation in the commercial finance market is one of quality. Comprising 1st and 2nd tier Australian Banks, plus a range of specialist lenders, our lender panel is designed to meet a broad range of client needs.

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Equipment Finance

Astute’s key point of difference is that we actually understand the equipment finance market. This has allowed us to build a market leading lender panel which caters for a diverse range of your clients’ personal and business needs.

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Interested in insuring your equipment? Discover the options available.

Commercial Finance

Business borrowing is complex and depends upon a number of factors, such as how the transaction is presented to banks and their exposure to similar lending with other businesses. With your own Astute expert, you can focus on your core business whilst our specialists work out which institution can help.

We have a network of industry-leading specialist brokers with extensive knowledge in many higher level lending structures. They also know how vital their ability to make a deal is for your business.

Grow your business with the help of an Astute broker today. We can assist with: Business Investment, Commercial Property, Development Finance, Specialist Cash Flow Solutions and Self-Managed Super Funds.

Astute has experience in specialist industries and can support your growth plans no matter your needs:

  • Agriculture, Forestry & Fishing
  • Education
  • Energy
  • Finance
  • Government
  • Health & Medical
  • Hospitality
  • Manufacturing
  • Mining & Construction
  • Retail & Wholesale Trade
  • Transport and Storage
Bank Guarantee
A Bank Guarantee is an alternative to providing a deposit or bond directly to a supplier or vendor. It is an unconditional undertaking given by the bank, on behalf of our customer, to pay the recipient of the guarantee the amount of the guarantee on written demand. Bank Guarantees require security in the form of cash held on deposit with the bank, or real estate of a type and value acceptable to the bank.
The Commercial bill facility is a loan that offers a range of repayment options to help you take care of short and long-term financial needs. A bill is your promise to pay back the loan at a later date. We give you an amount less than the face value (settlement price) of the bill. On a specific future date (maturity date), you pay back the settlement price plus interest. The loan allows you to manage cash flow more effectively by making payments only on the maturity of the bill. It also provides interest rate protection and flexibility. Bill rates are based on market-related rates.
The interest rates on loans can be fixed for between one and seven years protecting you from upward movements and providing the assurance of fixed payments. Your loan can be split between fixed and variable interest rates and at the end of any fixed interest rate period, you have the option of switching from a fixed to a variable rate.
An overdraft can help you manage your cash flow with greater ease. This flexible line of credit is designed to provide you with extra cash to cover seasonal or unexpected expenses. As you only pay interest on the money you use, you can save on interest costs relative to a standard business loan Security Options – Unsecured (guarantee may be required), or secured by residential, commercial or rural property.

Equipment Finance

At Astute we can finance just about anything for business or personal use.

  • Trucks and Heavy Vehicles
  • Cars and Motorcycles
  • Earthmoving Equipment
  • Industrial Plant and Machinery
  • Marine Vessels and Boats
  • Agricultural and Farming equipment
  • Computers, IT and Phone Equipment
  • Healthcare, Scientific / Medical Equipment
  • New Business Start-Up

Things to consider when seeking finance for your business:

  • The correct product – Commercial Hire Purchase/ Chattel Mortgage / Lease?
  • The correct structure – term / balloon or no balloon?
  • The ability to obtain a quick and easy online approval and loan documentation?
Lease Finance
The financier pays the full amount of the invoice. You cannot have any equity in a lease transaction (invoice is made out to the financier for delivery to your company), the quotation (repayments and residual value) are calculated on the total cost of the goods less the GST on the invoice up to the luxury car limit.Each repayment and the residual value attract GST and you would claim the GST per payment in your quarterly BAS statement. The financiers lease document is their TAX INVOICE. Lease payments and residual value noted in the document are inclusive of GST. If you repay the agreement prior to the expiry date the payout figure is inclusive of GST and financier will forward a Tax Invoice for payout when finalizing the account. If the agreement is repaid in terms of original arrangements GST is noted as stated in their agreement. For company tax purposes you would claim the lease payment exclusive of GST – but for luxury vehicles you should verify with your accountant. For BAS purposes you would claim the GST portion of the installment.
You may have equity in the goods being financed, therefore the financier will pay the full amount of the invoice or if you wish to pay a deposit the difference between the cash price of the goods and the deposit you. The invoice is made out to your company and the financier takes a charge over the goods you are financing, for e.g., if it is a motor vehicle they register their interest in it on the Motor Vehicle Security Register. As the invoice for the goods is made out to your company or business you will claim the GST on the capital purchase from the invoice. The financiers documents will have no GST in either the repayment stream nor the balloon payment if you choose to have one. If you wish to sell and terminate the contract early the payout figures has no GST in it either, which you should bear in mind if you are selling the goods as you would have to pay GST on the sale. For company tax purposes you claim interest and depreciation of the goods.Astute offers the following overviews explaining the basic differences between different lending options available, you should verify this with us and your accountant:
You may have equity in the goods being financed, the financier will either pay the full invoice price or the balance of the invoice after your deposit or trade. The invoice is made out to the financier for delivery to you. The financier documents are their tax invoice. The calculations for the transaction deduct GST from the transaction and then add it back for the finance transaction. Instalments and balloon payment are calculated on the total amount of the finance required including GST. The financiers documents will have no GST in either the repayment stream nor the balloon payment. If you wish to sell and terminate the contract early the payout figure has no GST in it either, which you should bear in mind if you are selling the goods as you would have to pay GST on the sale. For your business tax purposes you claim interest and depreciation on the goods and finance.

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If we can’t get it APPROVED nobody can!

Our exclusive Team of Lending Experts will match your financial preferences with up to 30 lenders who have the right loan products to meet your needs. Our lenders will contact you and compete for your business no matter where you reside in Australia. It doesn’t matter what type of finance you need. With over 80 years combined experience‚ there is absolutely no time like the present to contact Astute Brisbane Central.

If you know what type of loan you require Apply online now