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Adelaide Hills Toyota

IT’S A FAMILY THING

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57 Adelaide Rd, Mt Barker, SA 5251
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Business Finance

Business Finance

 

The right car finance option for your business.

No two businesses are the same. That's why we offer a range of car finance options to suit your individual business requirements. So whether you're a small to medium business, or a larger organisation looking for a different level of funding, we have a range of car finance options for you.

Business Vehicle Loan

A Chattel Mortgage or Business Car Loan is a commercial finance option under which Toyota Finance loans money to a business to purchase a car or commercial vehicle (chattel). The business takes complete ownership of the vehicle while the financier takes a mortgage over the vehicle to secure the business loan.
Features and requirements

  • Financing for vehicles up to 7 years old
  • Finance for both Toyota and non-Toyota vehicles
  • Your choice of flexible payment options

Finance Lease

A Finance Lease (Car Lease) enables a business to have the use of a car or commercial vehicle, while Toyota Finance retains ownership of the vehicle during the lease term. At the end of the lease you have the opportunity to make an offer to purchase the vehicle or vary the lease by extending the term of the lease.

  • Features and requirements
  • An attractive and affordable means of driving a new car every few years
  • Security of fixed payments for the term of the lease
  • No fixed kilometre limits

Term Purchase

Commercial Hire Purchase is a commercial finance product where a business "hires" a car from Toyota Finance for a fixed monthly repayment ( with or without a final balloon payment) over a chosen term.
Features and requirements

  • A fixed interest rate for the term of the loan
  • Choice of repayment options
  • Deposit and trade in options

Finance a Fleet of Vehicles

Toyota Fleet Management are the experts when it comes to running your company fleet more efficiently. We can work closely with you as your partner to help streamline costs, make the most of your resources and reduce your risk.
Features and requirements

  • Whatever your industry or fleet size our fleet management products and services are designed to meet your needs.

Business Vehicle Loan

The benefits of flexibility, cash flow and ownership for your business

Also known as a chattel mortgage, a standard business car loan is a commercial car loan designed to provide flexibility for people in business, while the vehicle remains an asset of the business.

A Toyota Finance Business Vehicle Loan offers a flexible way for GST registered businesses to finance a vehicle that is used predominantly for business purposes. This business car loan gives you the security of knowing the vehicle is an asset of your business - even while you are paying it off.

It offers your business:

  • The security of a fixed interest rate over the term of the car loan.
  • A choice of car loan terms, ranging from 1-7 years*.
  • Your choice of flexible payment options.
  • Finance for both Toyota and non-Toyota vehicles.
  • The ability to make additional payments, reducing the total interest payable#.
  • The option to reduce monthly payments by making a balloon final payment, freeing up business cash flow^.
  • Daily interest calculations on the outstanding principal balance, so any additional payments you make reduce the total interest payable.
  • Trade in and deposit options available.
  • Extra costs can be included in the amount financed, including on-roads, stamp duty, insurance, warranty and roadside assistance and CTP (where applicable)%.
  • Opportunities for income tax deductions through depreciation and interest charges.

Finance Lease

An effective car finance lease for your business
Finance Leases are a popular business solution, as you can get the vehicle of your choice without a deposit, and retain your capital for other purposes through a leasing arrangement with Toyota Finance. At the end of the lease you have the opportunity to make an offer to purchase the vehicle or vary the lease by extending the term of the lease .

A Finance Lease offers your business:

  • Preserve your business capital with the ability to finance 100% of the vehicle
  • A choice of car lease terms, ranging from 1-5 years*.
  • Finance for vehicles up to 3 years old.
  • Fixed payments for the term of the lease with options to extend, upgrade or make an offer to buy at the end of your lease.
  • Car finance available for both Toyota and non-Toyota vehicles.
  • Rental payments may be income tax deductible if you use the vehicle for business purposes and to generate income
  • GST on rentals may be recoverable in whole or part
  • Extra costs can be included in the amount financed, e.g. on-roads , stamp duty, registration and CTP (where applicable)%.

Additional information:
Car finance only available on a single vehicle.
You should check with your accountant or financial adviser to determine whether this finance arrangement best suits your business needs.

Term purchase

Effective and tailored financing to suit your business
If you'd like the security of vehicle ownership after the final payment is made, the Term Purchase option could be for you. With a Term Purchase contract, Toyota Finance "owns" the vehicle and gives you possession in return for regular payments. However, after your final lump sum payment, you will own your vehicle outright. You also have the ability to pay out the Term Purchase contract at any time during the car loan and take outright ownership.

This solution offers your business:

  • Fixed and tailored repayments for the life of the car loan to suit your cash flow.
  • Your choice of contract term, from 1-5 years*.
  • Ownership at the end of the finance contract.
  • Ability to pay out the car loan at any time#.
  • A fixed interest rate for the term of the car loan.
  • The option to reduce monthly payments by making a balloon final payment^ freeing up business cash flow.
  • Ability for GST registered customers to claim part or full inputTax Credit (ITC) for any GST costs incurred on the purchase of or finance of the vehicle on a Term Purchase agreement
  • GST is not charged on the monthly payment or final balloon payment ( if applicable).
  • Extra costs can be included in the amount financed, including on-roads, stamp duty, insurance and CTP (where applicable)%.
  • The option to reduce monthly payments by making a balloon final payment, freeing up business cash flow.
  • Opportunities for income tax deductions through depreciation and interest charges.

Additional information:
Term Purchase is an unregulated product in all States and Territories.Car finance only available on a single vehicle.

 

Disclaimers:

Approved applicants only. Terms and conditions apply.

Toyota Extra Care is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

Toyota Finance is a division of Toyota Finance Australia Limited. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.