OUR SERVICES

Asset
Finance

WHAT WE FINANCE

Motor Vehicles​

​Delphic Finance can seek quotes from multiple lenders in the market to ensure you are getting the best lender, structure and interest rate for your particular purchase.

Plant & Equipment

We have arranged finance for all types of equipment from lathes for workshops to printing equipment for large scale printing businesses. We can find the right lender for your particular asset, structure the loan appropriate to your cash flow and planned asset lifespan and then seek the most competitive interest rate & fees.

HOW WE DO IT

Finance Lease

This is the most common form of Lease agreement, usually preferred by private companies who like to acquire the asset at the end of the lease by offering to pay the pre-determined “residual” value. Terms, residuals and rental frequency can be structured to suit a client’s specific cashflow requirements, or to maximize tax benefits during the lease period. Lease payments are usually fixed at the beginning of the Lease term.

Operating Lease

Larger corporates and Government departments favour Operating Leases as they are treated as an “operating” rather than a “capital” expense (i.e. equipment can be acquired against an operating budget without the need to obtain capital expenditure approval). Both the asset and liability remain off the balance sheet, which leaves gearing ratios in tact.

Hire Purchase / Chattel Mortgage

​Chattel Mortgage and Hire Purchase (also known as Asset Purchase) are usually preferred by private companies who like to ultimately own their equipment. These facilities often suit cash flow as a GST input credit is still available even though the asset has not been fully paid for. Interest rates are usually fixed at the beginning of the term.

Lo Doc Equipment Finance

We deal with many different lenders including those who will do "Lo Doc" loans. This can be particularly helpful if you are in a new business looking to add assets or if you need an asset quickly, but haven't finalised your financial accounts.

ingdirect
heritage
amp
Loans Today
Westpac
mkm capital
Pepper Money
NAB
St George
Suncorp
Teachers Mutual
Uni Bank
Virgin Money
Me Bank
Macquarie
Latrobe
Homeloans
Citibank
BOQ
Connective HL
Bankwest
Better Choice
Bluebay
Bluestone
BofM
CBA
BMM
ANZ
AFM
Auswide
Adelaide Bank

Our Lenders

CONTACT
LOCATION
OPENING HOURS

Email: finance@delphic.com.au
Phone: 1800 DELPHIC

 

Delphic Finance
Level 1, 310-312 Bay Street,

Port Melbourne, Victoria 3207

Mon - Fri: 9am - 5pm

After hours by appointment

 

 

Copyright 2019 Delphic Finance Pty Ltd

ACN 616 973 721 | ABN 86 170 540 559

Credit Representative Number 495589 is authorised under Australian Credit Licence Number 389328

Disclaimer

Credit Guide

Privacy Policy

Compliments & Concerns

Your full financial situation will need to be reviewed prior to acceptance of any offer or product.

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