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Sale / Buyback Finance
When experience matters, choose the experts. With over 20 years in the industry, our Finance Consultants structure smart Sale / Buyback Finance, combining tailored advice with competitive funding options for Transport and Heavy Equipment Operators.
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Sale / Buyback Finance
Unlock Capital With Sale / Buyback Finance On Unencumbered Assets
The Sale and Buyback Facility is a smart Finance solution that allows your business to unlock the value of Trucks or Equipment you already own. If you have Assets that are fully paid off and free of any existing Finance, this option lets you access the capital tied up in them, by borrowing against the equity.
Under this arrangement, the Financier purchases the Asset from your business and then immediately sells it back to you under a structured Finance Agreement. This releases a lump sum of cash that can be reinvested into your business for working capital, business expansion or any other business purpose.
In most cases, a Financier can Lend up to 90% of the Asset’s market value, with the final Loan amount determined by factors such age and the condition of the Asset being offered as security. Well maintained, newer Equipment generally attracts higher lending limits, while older or specialised Assets may be assessed more conservatively.
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Apply Now for Online Pre-Approval up to $500K without affecting your credit score.
Release Equity
Features of a Sale / Buyback Facility
- A Sale / Buyback allows businesses to access the value tied up in encumbered Assets and convert it into usable cash
- The facility is secured against the Equipment itself, rather than relying residential or commercial property allowing client to free up property equity for other business opportunities
- Typically Financiers will lend up to 90% of the market value of the Asset being offered as security
- Sale / Buyback facilities can be structured as a Finance Lease, Chattel Mortgage or Commercial Hire Purchase
- Funds are paid directly to clients bank account giving them control of the funds
- Client retains full use and control of the Equipment throughout the term of the agreement, ensuring continuity no disruption to business operations
- Because the Asset is already owned and acts as security, Approvals and Funding can often be completed quickly, typically with minimal documentation
Tax Advantages
Benefits of a Sale / Buyback Facility
- Converts equity held in unencumbered Equipment into immediate working capital, helping to ease cash flow pressure without needing to sell productive Assets
- Enables investment in new business opportunities, such as additional Equipment purchases or workforce expansion without waiting to accumulate cash reserves
- Depending on the Finance structure chosen, repayments, interest and depreciation may be tax deductible at the end of the financial year (Speak to a qualified tax professional for advice)
- Funds are paid directly paid into the clients business account, giving them full control over how the funds are spent and allocated
- This type Asset backed Lending allows for fast approvals and prompt payments to customers when it is needed most
- Sale / Buyback options give customers access to capital when other Funding options may not be available - such as Overdrafts or Business Loans
- Customer retains full use of their Equipment, ensuring there is no disruption to daily business operations or revenue generation
We Make Sale / Buyback Finance Quick and Easy for Transport and Heavy Equipment Operators Australia Wide.
Start Now and complete our Quick Assessment Form to obtain a Pre-Approval up to $500K – decision within a few seconds.
Alternatively, you can call one of our Finance Consultants to discuss your funding scenario.
Example Breakdown
Example Funding Scenario
- Client required funding to purchase a Tipping Trailer and additional Funds for other business related expenses - offering an unencumbered Prime Mover as security
- Finance Type – Sale / Buyback (Chattel Mortgage)
- Loan Amount – $240,000 (gst inc)
- Term – 60 months
- Balloon – Nil
- Payments – monthly in arrears
Outcome
- We facilitated clients request by leveraging the equity held in the Prime Mover and by taking collateral security over clients New Tipping Trailer
- We made one payment to the vendor of the Tipping Trailer ($155K) and separate payment to client business account ($85K)
- Finance Agreement was drafted as Chattel Mortgage Agreement which gave this customer additional tax deductibility for their business (under the guidance from their Accountant)
- Payment to clients business account giving them full control over how the funds could be spent or allocated without restriction
Customer Reviews
Our customers say it best. Find out what it's like dealing with the Experts in Sale / Buyback Finance. You could be the next success story.
Nathan you are fantastic to deal with. Always prompt with deals never a hiccup. After 8 truck deals will never use another broker. Keep up the great work you make my life stress free.
TH
Tracey Hall
Scone Equine Transport Pty Ltd
I have been dealing Heavy Vehicle Finance since 2014 and have found them be nothing short of amazing.They have funded various trucks and trailers for me over the years and its a fantastic feeling to know that I still have the same account manager after all of these years of business.It is very good to know that a finance approval is only a phone call away.
CW
Colin Wallace
Palanquin Pty Ltd
I have used the team at Heavy Vehicle Finance twice now for our financing needs for prime movers and side tippers. A Great team to work with and very prompt and professional. We will use again in the future.
JC
James Coustley
JJC Civil
I have used Nathan and his team for multiple purchases for our earthmoving company and Nathan has gone above and beyond to help us with expanding our business. I couldn’t recommend Nathan more highly.
SW
Sam Wood
Sureflo Plumbing & Roofing Contractors Pty Ltd
We used Heavy Vehicle Finance for the purchase of our Truck. They went above and beyond for us and made sure that the process was as stress-free as possible. The entire interaction was nothing short of amazing. We will definitely be using them again in the future.
MM
Meagan McNicholl
Next Gen Transport Pty Ltd
Can’t thank Nathan enough for how fast and professional he was with organising my finance for my new truck. He was straight to the point with no stuffing around. Highly recommended
TH
Tim Hartas
Hartrax Contracting Pty Ltd
Sale / Buyback Finance Calculator
Looking to borrower against New or Used Equipment? Try our Simple Sale / Buyback Loan Calculator to estimate your weekly payments and take the guesswork out of your next Equipment purchase.
Why Us?
Unlock the Benefits of Heavy Vehicle Finance for Your Sale / Buyback Loan
- Heavy Vehicle Finance backed by 20 Years Industry Experience. Heavy Vehicle Finance that will work for you.
- Quick, Easy and Obligation Free. Heavy Vehicle Finance Pre-Approvals up $500K.
- We deal with Owner Drivers and Fleet Operators Australia Wide. We will help you save thousands on your next Heavy Vehicle Loan.
- We're trusted across the Transport Industry as a leading provider of Heavy Vehicle Finance. Our applicants receive funding options tailored to their business needs, delivered efficiently by experts who understand Heavy Vehicle Industry.
- Typically No Financials are required for loans up to $500K and our unconditional approvals take only 24 hours.
- Our flexible policy matrix will give you greater access to capital—so you can secure the Heavy Vehicle and Heavy Equipment you need to grow your business faster and with more confidence.
- Our customers are assigned a dedicated Relationship Manager to help guide them through the process from start to finish.
Let us Finance
the Road to Your
Future
Complete our Simple Quick Assessment Form and let us go to work on finding the best Finance Deal on your New or Used Heavy Vehicle.
With over 20 years experience and thousands of deals done, we are on your side to get the best possible rate.
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