Wide range of finance options to suit your individual needs

At Dealer Direct Finance, we have the experience, knowledge, and relationships to get you the best finance options for your unique requirements and goals. Whether you’re looking for quick, easy finance for a personal loan or a long-term strategy for your investment – we are the team to get you the best deal on the market, Australia-wide.

Chattel Mortgage

Is your business looking to purchase a new or used vehicle, or other business equipment? Chattel Mortgage is a flexible option, and enables you to claim depreciation, running costs, and interest paid against your business income for tax purposes.

Benefits:

• Interest charged and depreciation of the vehicle are tax deductible

• No capital outlay is required, and cash-flow is protected

• Terms can be flexible and fixed repayments make for easy future budgeting

• Option to make payments with or without a balloon payment at the end of the term

Commercial Hire Purchase

Dealer Direct Finance’s Commercial Hire Purchase is structured to preserve capital whilst buying a truck or bus fleet from generated income. With a Commercial Hire Purchase, the lender will hold the title of the security until all monies owing are paid.

Benefits:

• Spreads the cost of buying, as the vehicle’s earnings pay for its acquisition

• Vehicle is shown as an asset on the balance sheet

• Operators can claim depreciation allowance

• Interest element of repayments can be offset against taxable profits

Commercial Loans/Business Refinancing

We specialise in tailoring Business or Commercial Loans that allow you to upgrade or expand your business, without limiting your daily operations. Whether it is for tangibles or non-tangibles within your business – we have a viable solution for you.

Benefits:

• Suitable for tangibles such as capital equipment, industrial equipment, office or warehouse expansions

• Suitable for non-tangibles such as licensing

• Allows you to invest in or grow your business

Finance Lease

A Finance Lease is an ideal way to expand your business without reducing capital, and the only initial outlay required is a first rental.

Benefits:

• Known budgetable rentals

• Working capital is preserved

• Funds can be invested in other parts of the business

• Rentals are tax deductible

Home Loans and Investment Loans

Whether it’s your first mortgage, or you have a large investment portfolio – Dealer Direct Finance has access to a huge range of Home and Investment Loans from multiple lenders.

Benefits:

• Own your own home sooner

• We do the legwork to find you the best deal

• Access over 30 lenders to find the right loan for you

• We are highly experienced in getting loans approved

Low-rate Personal Loans

Do you need help funding a holiday, wedding, upgrading your vehicle, renovating your home or consolidating your debts? We do the loan shopping for you, to find the best options on the market, and help you achieve your financial goals faster.

Benefits:

• Achieve your personal goals faster

• Maintain access to your cash

• Consolidate all your debts to streamline your payments

• We shop for the lowest rates and best options for you

Operating Lease

This type of long term, fixed price rental agreement is suitable for vehicles, trucks and buses, and can assist in maximising your tax break and lowering resale risk. It allows you to make immediate use of the vehicle, and at the end of the lease (usually two to five years), you simply return the vehicle to Dealer Direct Finance.

 Benefits:

• You can budget the costs (minus the maintenance)

• Preserves working capital so funds can be invested into other parts of the business

• Cash-flow is efficient – rentals can be paid out of the operating income

• Tax efficient – rental payments can be offset against taxable profits

Rental Finance

An obvious choice for funding your new office equipment as there is no capital outlay upfront and no residual obligation at the end of the term. Dealer Direct Finance rental finance is different in that we don’t work with “in-house” or “captive” rental companies, we are vendor independent and leave you free to negotiate the best deal direct with the supplier.

Benefits:

• All equipment and software can be bundled into one simple monthly payment

• Suitable for items such as IT equipment, office furniture and point of sale equipment

• Flexibility to upgrade during or at the end of the term or extend the rental period

• Flexibility to purchase, or simply hand back equipment at the end of the term

Transport and Equipment Loans

We understand the evolving nature of the transport industry and can tailor finance needs for fleet services of any scale. We provide a range of structured financial packages to help construction and transport operators maximise cash-flow and maintain a competitive edge.

Benefits:

• Wide range of finance options, including Finance Lease, Commercial Hire Purchase and Operating Lease

• Our finance brokers are at your service 24/7 to work with your individual business needs

• Strong relationships with over 30 lenders to find the right finance option for your business