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Which finance option is right for your business?

We understand that every business is unique, and that’s why we offer a range of financing options to suit your specific needs. Whether you’re looking for flexibility, ownership, or tax advantages, Ecolease has the right solution for you.

Not sure which finance options are right for you and your business?

Below are some simple explanations of the key finance options available, who they are most suited to as well as some of the pros and cons of each.


Rent-to-Own is an ideal solution for small businesses, large corporates and government organisations that need equipment without a hefty upfront payment and upgrade pathways.

With this option, you essentially rent the equipment with the option to own it at the end of the agreed-upon term.

Pros of Rent-to-own

Potential Tax Advantages: Rental payments may be tax deductible and GST can be claimed on the monthly repayments. Talk to your accountant to learn more.

Low Initial Costs: There is typically no significant upfront payment, making it a budget-friendly option for businesses with limited capital.

Flexibility: Rent-to-Own provides flexibility, allowing businesses to bundle installation and other soft costs into one simple monthly repayment and upgrade options for technology assets

Cons of Rent-to-own

Ownership Delay: You only gain ownership at the end of the rental term,

Chattel Mortgage

Chattel Mortgage is a financing option where the business takes immediate ownership of the asset, and the equipment serves as security for the loan.

Pros of a Chattel Mortgage

Terms: Various terms and structures can be used to suit your unique cash flow and ownership cycles.

Potential Tax Advantages: There may be tax benefits, including depreciation and interest deductions. Talk to your accountant to learn more.

Cash flow benefit: GST on the asset price can be claimed upfront in your following BAS assisting with cash flow.

Immediate Ownership: Businesses own the equipment from day one, providing full control over the asset.

Cons of a Chattel Mortgage

Upfront Costs: While there’s no large initial payment, upfront costs may be higher compared to other options including application and registration fee

Balance Sheet Impact: The asset appears on the balance sheet from day one, affecting financial ratios (this is usually more relevant to large corporates rather than small business)


Finance Lease

A Finance Lease may be suitable for businesses looking for flexibility and the option to upgrade equipment at the end of the lease term.

Pros of a Finance Lease

Flexibility: There’s no significant upfront cost, offering flexibility for businesses with budget constraints. End of term residuals help to reduce the monthly lease repayment.

Upgrade Options: Businesses have the flexibility to upgrade to newer equipment at the end of the lease term.

Cons of a Finance Lease

No Automatic Ownership: Ownership is not automatic at the end of the lease unless a residual value is paid.

Residual Limitations: Finance lease residuals are set by the Australian Taxation office with the intent to reflect the likely market value of the asset at the end of term.

Non-Maintained Novated Lease

A Novated Lease is designed for companies that want to offer a vehicle benefit to employees. The employee selects the vehicle, and the lease is between the employer, employee, and the leasing company.

Pros of a Novated Lease

Employee Choice: Employees can choose the vehicle, fostering employee satisfaction.

Potential Tax Benefits: Both employer and employee may enjoy tax benefits.Talk to your accountant to learn more.

Cons of a Novated Lease

Administrative Complexity: Ongoing administration is required for both the employer and employee.

Employee Risk: The employee assumes the risk of the lease, including payments and maintenance even if they leave the employer

Operating Lease/True Rental

A Non-Maintained Operating Lease or True Rental  is suitable for businesses that need equipment for specific projects without a long-term commitment. It allows for lower monthly payments and flexibility at the end of the term and usually designed for technology assets.

Pros of an Operating Lease/ True Rental

Lower Monthly Payments: Monthly payments are generally lower compared to other options.

Flexibility: Businesses can keep renting, return or upgrade equipment at the end of the term.

Cons of an Operating Lease/ True Rental

No Ownership: There’s no ownership at the end of the term however you can make an offer to purchase.

Potential Higher Total Cost: The total cost should you wish to own the equipment at the end of term may be higher than outright purchase.

Still not sure what the right finance option is for you?

Selecting the right finance option depends on your business goals, financial situation, and preferences.

Ecolease’s experienced Vehicle and Equipment Finance Experts are ready to guide you through the decision-making process, ensuring you choose the solution that aligns with your unique needs.


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