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Commercial Loan
A Commercial Loan is a loan facility used to purchase assets such as equipment, machinery, vehicles and property.

Commercial loans differ from other financing options as the ownership of the asset remains with the customer.
The financier will take a Bill of Sale or Mortgage over the asset to protect its interests. Residual/Balloon payments are also available.

Potential taxation advantages and obligations differ between commercial loans and other financing options such as leases. Considerations relating to GST and interest deductions need to be explored. Appropriate financial advice through your accountant or financial advisor is strongly recommended to determine whether a commercial loan is the most appropriate option for your circumstances.*

* Applications for credit are subject to the financier’s normal credit assessment criteria. Fees or charges may apply. Full details of all product terms and conditions are available upon request. Any taxation information provided is only general in nature and does not constitute tax advice, nor is it necessarily applicable to your particular circumstances. Farm Machinery Finance strongly recommends that you consult with your accountant, financial advisor and lawyer to determine the most suitable lending option for your particular circumstances and whether any particular taxation laws, obligations or benefits may apply to you.