Equipment Finance
At Rizon Finance, we're Mortgage & Finance Brokers helping clients Australia-wide purchase a new vehicle, plant or machinery with Equipment Finance
Rated 5 from 3 Reviews
At Rizon Finance, we're Mortgage & Finance Brokers helping clients Australia-wide purchase a new vehicle, plant or machinery with Equipment Finance
Rated 5 from 3 Reviews
Understanding the necessity of acquiring or upgrading equipment in a business can sometimes feel like a daunting financial leap, but with Equipment Finance, it becomes an attainable step towards growth. Rizon Finance stands out as a pivotal partner for businesses across all sectors in making this leap seamlessly, providing access to an extensive network of banks and lenders across Australia. This ensures that our clients get the most competitive interest rates and loan amounts tailored to their specific needs.
Equipment Finance is not just about getting access to new tools or machinery; it's about driving your business forward without the heavy burden of large upfront costs. Whether it's office equipment, work vehicles, specialised machinery such as trucks, trailers, excavators, tractors, graders, cranes, dozers, or even commercial equipment, Rizon Finance has the expertise to wrap all these needs into a financial package that suits your business's cash flow and growth aspirations.
One might wonder why choose Rizon Finance for Equipment Finance? The answer lies in our streamlined application process, designed to save time and reduce paperwork, allowing our clients to focus on what they do best - running their business. Our team works tirelessly to understand your business needs, offering loan options such as chattel mortgages, where the equipment itself can serve as collateral, or Hire Purchase agreements, which provide the flexibility to own the equipment outright at the end of the lease term. Both options come with fixed monthly repayments, making it easier to manage cash flow and plan ahead with confidence.
Rizon Finance bridges the gap between your business needs and financial solutions, offering a lifeline to businesses looking to buy new equipment or upgrade existing ones without compromising their operational budget. Our commitment is to offer a partnership that grows with your business, ensuring that as your needs evolve, your finance options do too. With competitive finance options, our clients can enjoy the benefits of modern, efficient equipment that propels their business forward, maintains or improves competitive edge, and optimises operational efficiency.
In essence, Equipment Finance is an invaluable tool in a business's growth toolkit. It's not merely about acquiring assets; it's about unleashing potential, fostering growth, and ensuring that your business has what it needs to succeed both now and in the future. At Rizon Finance, we don't just provide finance; we deliver solutions, support, and a pathway to achieving your business aspirations with confidence and peace of mind.
AT
Alana Trait
Finances have always been a struggle of mine but Daniel made the whole process easy and we were able to work out the best option for my financial situation :)
TS
Tanya Shepard
Daniel is a total professional while providing that personal touch, he gives good communication which helped me work through the process of achieving a great financial solution. I have already passed on his details to friends and family looking for similar services, I have no hesitation in recommending his services.
CT
Clive Talbot
The Australian Government offers a number of schemes to assist first home buyers, such as:
• A $10,000 First Home Owner Grant when building a new home valued under $750k
• Stamp duty exemptions for properties valued less than $600k
• Concessional stamp duty rates on properties valued at $600-750k
• Access to shared equity and 5% deposits through the Victorian Homebuyers Fund (VHF)
• Federal schemes, including the Home Guarantee Scheme, Help to Buy, and First Home Super Saver Scheme (FHSSS)
Rizon Finance specialise in this area as we understand it can be a challenge as not all lenders would consider these circumstances. We have access to niche lenders that accommodate this type of lending.
There are a variety of home loan products available, each with its own features and benefits. Some common types include:
• Fixed-rate loans: Offer certainty in your repayments over a fixed term.
• Variable-rate loans: Interest rates can fluctuate with market conditions.
• Interest-only loans: You only repay the interest on the loan for a set period, then begin repaying the principal amount.
We can explain the different loan options and help you choose the one that best suits your needs.
We certainly can. We help you navigate what assistance may be available to you as we understand getting your foot on the ladder as a first home buyer can be a difficult and daunting process.
We understand there are many reasons why people may experience forms of financial difficulty/credit problems and work with each scenario to understand them. Rizon Finance can speak to each lender to fight your case to secure lending.
The comparison rate is a more accurate reflection of the true cost of a loan than the advertised interest rate. It includes the interest rate as well as most fees and charges associated with the loan. Comparing the comparison rates of different loans will help you find the most cost-effective option.
Rizon Finance can understand your business and source great deals for Self-employed applicants.
There are many benefits to using Rizon Finance. Here are a few:
• Access to a wider range of lenders: Rizon Finance work with a large and reputable panel of lenders, so we can find you a loan that best suits your needs and financial situation, even if you don't qualify for a loan from your own bank.
• Personalised service: Rizon Finance take the time to understand your individual circumstances and goals, and then recommend the best loan options for you.
• Expertise in navigating the loan application process: Rizon Finance assist with all the paperwork and liaise with lenders on your behalf, saving you time and stress.
• Compliance: Rizon Finance operate in a highly regulated environment and provide recommendations. Therefore, we have a duty to all our clients to provide appropriate products in the best interests of our clients
The amount you can borrow will depend on a number of factors, including your income, expenses, savings, credit score, and the property value. We can help you determine your borrowing capacity and ensure you borrow responsibly.
The documents you will need to provide will vary depending on your individual circumstances and lender, but some common documents include:
• Proof of income (payslips, tax returns)
• Photo ID
• Bank statements
• Evidence of savings deposit
• Details of the property you are purchasing (contract of sale)
• Details of assets
• Statements for liabilities
Rizon Finance will provide you with a complete list of required documents once we begin working with you.
The loan application process typically takes 4-6 weeks, but this can vary depending on the complexity of your application and the lender's processing times. We will keep you updated throughout the process.
Don't despair! We can help you understand why your application was declined and work with you to improve your chances of approval in the future. This may involve improving your credit score, saving a larger deposit, or finding a guarantor.
Rizon Finance do not charge you any fees. We get paid a commission by the lenders. All commissions are disclosed and discussed upfront before you proceed with an application.
In addition to your mortgage repayments, there can be a number of ongoing costs associated with a home loan, such as establishment fees, account fees, and lenders mortgage insurance (if applicable). Rizon Finance will help you understand these costs and factor them into your budget.
Tomlinson, Daniel ABN: 90 232 048 159. Credit Representative #561000 is authorised under Australian Credit License #384324.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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