Leasing


MBG Leasing Products

At MBG we are proud to offer the following products:


 

Asset (Hire) Purchase

Asset Purchase is a facility where the client obtains the goods by hiring them over the repayment term with a transfer of title to the customer on payment of the last rental. In most instances an Asset Purchase can be 100% financed (including GST) or with an optional deposit.

 

Repayments can be structured and can be payable in advance or arrears. Asset Purchase differs to Finance Leasing as the Hirer gains equity in the asset over the term of the agreement.

 

Balloon Payments are structured rentals to meet the cash flow and taxation position of the hirer. Balloon payments can be made anywhere in the repayment schedule, normally upfront or at the end of term. 

The benefits: 

  • Payment Terms. Rentals structures include monthly, quarterly, semi-annually, annually, in advance and arrears to meet your cash flow preferences.
  • Low Cost. Leasing finance facilities are provided at credit for risk basis. This provides low cost of funds and a cost effective method of acquiring equipment.
  • Ownership. Asset Purchase (as the name implies) provides the Hirer total ownership of the asset.
  • Total Solution. Bundle other costs in with hardware including services, installation & software into your Asset Purchase agreement.

Chattel Mortgages

Chattel Mortgage is a loan facility where the client owns the asset but the financier takes the security of the asset until the agreement is completed. In most instances a Chattel Mortgage can be 100% financed (including GST) or with an optional deposit. Repayments can be structured and can be payable in advance or arrears.

 

The benefits:

  • No Capital Outlay. Chattel Mortgage allows you to obtain the equipment now without using working capital.
  • Payment Terms. Payment structures include monthly, quarterly, semi-annually, annually, in advance and arrears to meet your cash flow preferences.
  • Low Cost. Leasing finance facilities are provided at credit for risk basis. This provides low cost of funds and a cost effective method of acquiring equipment.
  • Ownership. Chattel Mortgage provides the client total ownership of the asset.
  • Total Solution. Bundle other costs in with hardware including services, installation & software into your Asset Purchase agreement.
  • GST Benefits. In many instances, businesses are able to claim the GST portion of the purchase as an input tax credit. 
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Commercial Loan

Commercial Loan is a facility where the financier lends on an intangible asset – typically software. In many instances a Commercial Loan can finance 100% (including GST) of such a project. Repayments can be structured and can be payable in advance or arrears.

 

The benefits:

  • No Capital Outlay. The Commercial Loan allows you to obtain software or other intangibles now without using working capital.
  • Payment Terms. Payment structures include monthly, quarterly, semi-annually, annually, in advance and arrears to meet your cash flow preferences.
  • Low Cost. Leasing finance facilities are provided at credit for risk basis. This provides low cost of funds and a cost effective method of acquiring equipment.
  • Total Solution. Bundle other costs in with hardware including services, installation & software into your Asset Purchase agreement. 
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Finance Lease

 

 

A Finance Lease is an arrangement between MBG Leasing (the lessor) and the client (the lessee) whereby MBG Leasing agree to rent a particular piece of equipment over generally a set term with a predetermined residual value.

The benefit:

  • No Capital Outlay. The Commercial Loan allows you to obtain software or other intangibles now without using working capital.
  • Payment Terms. Lease rentals structures include monthly, quarterly, semi-annually, annually, in advance and arrears to meet your cash flow preferences.
  • Low Cost. Leasing finance facilities are provided at credit for risk basis. This provides low cost of funds and a cost effective method of acquiring equipment.
  • Total Solution. Bundle other costs in with hardware including services, installation & software into your Asset Purchase agreement. 
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Novated Lease

A Novated Lease is an agreement between the client (employee) and a financier. Then novates the agreement to the employer. It is typically used for motor vehicles.

The benefits:

  • No Capital Outlay. Novated Lease allows you to obtain the vehicle now. 
  • Salary Sacrificed. Sacrificng a portion of an employees gross salary to make lease payments for a motor vehicle. 
  • Transferable to new employer. 
  • Can provide the benefit of employee having a vehicle of their choice. 
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Operating Lease / Rental

Rental or Operating Leasing is an innovative low cost form of financing. It is suited to a wide range of areas such as Information Technology and Telecommunication Equipment, Materials Handling, Construction, Manufacturing and Medical Equipment. Through rental the customer obtains all the benefits of the equipment without the responsibility of ownership.

The benefits:

  • Off Balance Sheet. A rental agreement will not usually appear on your balance sheet. The rentals payments are an operating expense and can be considered 100% tax deductible.
  • No Capital Outlay. Rental allows you to obtain the equipment now without using working capital.
  • Payment Terms. Rentals structures include monthly, quarterly, semi-annually, annually, in advance and arrears to meet your cash flow preferences.
  • Low Cost. Leasing rentals facilities are provided at credit for risk basis. This provides low cost of funds and a cost effective method of acquiring equipment.
  • Flexibility to ad on or upgrade. Exchange programs enable you to replace or add on equipment. 
  • End of term flexibility. Choose to upgrade, return, offer to purchase or re-rent.
  • Total Solution. Bundle other costs in with hardware including services, installation & software into your Asset Purchase agreement. 
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