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Business Finance


Business Rental vs Business Loan. Which should I choose?     

Business Rental 

A contract whereby the Customer has full use of the equipment but Finance Now retains ownership. The Customer is required to pay a monthly rental for a minimum contracted term. The Customer may retain possession of the equipment after the minimum term provided they continue to pay monthly rentals to Finance Now.

The Customer must return the equipment to Finance Now once the contract is terminated.

Payments are monthly in advance.

Business Rentals can be tax deductible and usually off-balance sheet, with payments expensed through the Customer’s P&L account. The Customer should consult their Accountant for specific tax advice on their rentals.

Business Loan 

A contract whereby the Customer is advanced funds, usually for the purpose of a capital equipment purchase. Any items purchased are owned by the Customer from day one. Finance Now will typically register a security interest over any purchased item, although there are alternative security methods available.

Payments are monthly in arrears.

The advance is recorded on the Customer’s balance sheet, with the interest portion of the monthly instalments being expensed.

Application is subject to approval - Finance Now

Business Finance Application
Business Finance - Terms and Conditions