• At BOQ Finance we are proud to provide a broad range of full product capabilities to suit your business and your customers. We specialise in supply chain finance to service different industry needs. From equipment finance to inventory and retail finance, BOQ Finance has a full range of asset finance offerings that are available to our Brokers, Manufactures, Dealerships, Resellers and Distributor partners. While we have particular asset specialisations such as motorcycles, truck and trailer, IT and materials handling, we are capable of supporting a broad range of assets and industries.

    Complete product capability to service you and your customers:

    Finance Lease

     

    BOQ Finance purchases the asset. You lease the asset for a fixed term.  Assets are generally returned or purchased by you at the end of the term.


    Benefits at a glance

    • Option to hand back the asset or purchase it for an agreed amount
    • Fixed repayments over a defined term provides for easier cash management and budgeting
    • Repayments may be tax deductable*
     

    Rental Agreement

     

    BOQ Finance purchases the asset. You rent the asset for a fixed term.  Assets are generally returned or may be upgraded at the end of the term.


    Benefits at a glance

    • Option to return, continue to rent or purchase the equipment as your needs change
    • Ability to keep assets current
    • Fixed repayments for term of the lease
    • Repayments are generally tax deductable* and treated as an operating expense
     

    Commercial Hire Purchase

     

    BOQ Finance purchases the asset.  You “hire” it for a fixed monthly fee over an agreed term.  When the final hire payment is made, you own the asset.


    Benefits at a glance

    • Rental period is for a fixed term, you progressively increase your equity in the asset
    • Final payment can be a balloon payment, enabling lower payments during the term
    • Asset can be recognised on balance sheet, you can realise depreciation of the asset*
     

    Specific Security Agreement

     

    You own the asset.  BOQ Finance have security over the asset until the finance term has been completed and all repayments have been made.


    Benefits at a glance

    • You enjoy the benefit of owning the asset; distinct from hiring, renting or leasing
    • Final payment can be a balloon payment, enabling lower payments during the term
    • Depreciation on the asset and the interest component of each loan instalment may be tax deductible*
     

    Debtor Finance

     

    Fast and flexible funding solution for businesses which turns outstanding customer invoices into immediate cash.


    Benefits at a glance

    • Improves cash flow, with funding of up to 80% of the value of eligible amounts owing from your customers.
    • No real estate or cash security required as primary collateral is your accounts receivable ledger
    • Reduces the reliance on overdraft facilities to fund new stock purchases or business growth initiatives
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    Inventory Finance

     

    Finance to assist dealers/resellers/distributors purchase stock without impacting capital.


    Benefits at a glance

    • Inventory is used as collateral
      • Increases display stock and inventory to maximise sales opportunities without tying up capital
    • Offsets the time to sell against the requirement to pay for the inventory purchase
    • Funding limits adjusted in line with your inventory and sales, so you have more accessible cash when you need it to take advantage of opportunities
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    Novated Lease

     

    An agreement between you, your employer and BOQ Finance for you to purchase a motor vehicle and the obligations to make repayments are held with your employer while you still are employed by them.


    Benefits at a glance

    • All purchase finance and payments are pre-tax from your salary*
    • Flexible lease terms from between 1 to 5 years, so you can manage your budget. May include all or some of operating costs in lease payment
    • Vehicle may be purchased at the end of the term by paying agreed outstanding
     

    Software Finance

     

    Allows the software user to spread software licensing and annual maintenance costs over the life of the license.


    Benefits at a glance

    • Fixed known payments throughout the term.
    • Effectively matches monthly or quarterly costs with the benefit delivered by new software
    • Combines initial license cost plus the annual maintenance cost into a known periodical monthly or quarterly payment
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    Consumer Loan

     

    Allows a consumer to purchase an asset on a fixed rate personal loan basis.


    Benefits at a glance

    • $0 up front
    • Monthly payments to suit all budgets
    • Low fees and charges with competitive rates of interest
    • Dedicated customer service team
     

    Flexible Option - Master Agreement

     

    One master agreement that covers multiple transactions or parties - ideally suited to businesses regularly acquiring and financing assets.


    Benefits at a glance

    • Removes the complicated compliance and document signing tasks – one entity can execute on behalf of others
    • Limits are used to pre-approve future finance agreements making the acquisition of new assets faster and easier
    • Ease of management with individual leases or loans being added and removed over the life cycle
     

    Insurance Premium Funding

    Premium funding enables you to pay your insurance premiums with flexible repayments allowing your working capital to stay in your business working for you.


    Benefits at a glance

    • Increases affordability of insurance policies to keep you and your business protected
    • No ongoing fees makes the transition to premium funding easy
    • Fixed interests rates give you peace of mind that your repayments will stay the same over the life of the loan
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    *Speak to your accountant for further information about tax benefits applicable to you

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