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Chattel Mortgage Finance
  • 23 Years
    Est. in 1997
  • 40 Lenders
    For the best rates
  • $1.1 Billion
    Loaned to Clients

GET A QUICK QUOTE

Privacy Policy

Chattel Mortgage Finance

  • 23 Years
    Est. in 1997
  • 40 Lenders
    For the best rates
  • $1.1 Billion
    Loaned to Clients

GET A QUICK QUOTE

Privacy Policy
AGM-Finance-Equipment-Financing-and-Loan-Options-Truck-Financing-Image-Mack-Truck

Key Features

Vehicle/equipment is available for immediate use in the business with no capital outlay; use the Chattel mortgage to purchase assets being used to generate income in your business. This facility enables you to spread the cost of acquisition over the useful life of the vehicle/equipment as it generates income; the minimum term is 12 months with a 84 month maximum term. You acquire immediate ownership of the asset.

You retain all the equity in the vehicle/equipment. Depreciation and interest are usually tax deductible. No GST is payable on individual instalments; you claim a direct input tax credit (ITC). Use the vehicle/equipment as security – in most cases freehold property can be left for other funding requirements.

Added flexibility of including other equipment under the one contract is available if required. Fixed interest rate for the term of the contract, which enables you to avoid market interest rate increases and assists you with budgeting. You choose the supplier and negotiate the price independently; we then pay your supplier.

Key Features

Vehicle/equipment is available for immediate use in the business with no capital outlay; use the Chattel mortgage to purchase assets being used to generate income in your business. This facility enables you to spread the cost of acquisition over the useful life of the vehicle/equipment as it generates income; the minimum term is 12 months with a 84 month maximum term. You acquire immediate ownership of the asset.

You retain all the equity in the vehicle/equipment. Depreciation and interest are usually tax deductible. No GST is payable on individual instalments; you claim a direct input tax credit (ITC). Use the vehicle/equipment as security – in most cases freehold property can be left for other funding requirements.

Added flexibility of including other equipment under the one contract is available if required. Fixed interest rate for the term of the contract, which enables you to avoid market interest rate increases and assists you with budgeting. You choose the supplier and negotiate the price independently; we then pay your supplier.

Options

Conserve your cash resources – you can choose to finance 100% of the invoice price OR contribute a deposit in the form of cash or trade-in allowance to reduce your payments. You can structure the transaction so that the amount financed is fully or partially amortised via a balloon payment at the end of the contract term.

You can elect to pay the GST portion of the invoice price from working capital or fund it as part of the loan amount (the loan can be structured so that when the income tax credit is received, it is repaid off the loan to reduce the debt). The repayments can be tailored to suit business cashflow demands and seasonal or irregular income, making it easy to manage.

Option to repay the loan early during the term of the contract (Prepayment Conditions apply). You can structure transactions with payments calculated in advance or in arrears. Direct Debiting of payments is available to save you time.

Terms and Conditions apply and are available on with finance documentation or by request. Statements made concerning tax matters are for general information purposes only and do not constitute tax advice. You are recommended to obtain advice from your professional advisor on tax matters.

AGM-Finance-Equipment-Financing-and-Loan-Options-Equipment-Financing-Front-Loader-Bulldozer

Options

Conserve your cash resources – you can choose to finance 100% of the invoice price OR contribute a deposit in the form of cash or trade-in allowance to reduce your payments. You can structure the transaction so that the amount financed is fully or partially amortised via a balloon payment at the end of the contract term.

You can elect to pay the GST portion of the invoice price from working capital or fund it as part of the loan amount (the loan can be structured so that when the income tax credit is received, it is repaid off the loan to reduce the debt). The repayments can be tailored to suit business cashflow demands and seasonal or irregular income, making it easy to manage.

Option to repay the loan early during the term of the contract (Prepayment Conditions apply). You can structure transactions with payments calculated in advance or in arrears. Direct Debiting of payments is available to save you time.

Terms and Conditions apply and are available on with finance documentation or by request. Statements made concerning tax matters are for general information purposes only and do not constitute tax advice. You are recommended to obtain advice from your professional advisor on tax matters.

View video to see why AGM Finance is an
Award Winning Finance Brokerage Firm.

A Chattel Mortgage or Bill of Sale Agreement can provide your business with an alternative method of funding for vehicle and plant & equipment acquisitions that is designed to optimise cash flow, while minimising the impact of GST. The Chattel Mortgage enables you to purchase the goods you need and acquire immediate ownership of the asset so that you can get on with your day to day business, without significant impact on your working capital.

With access to the cheapest rates and fastest approval turnaround times we are the best in the business.

We have access to over 40 different lenders

We shop for the best rate. It’s part of our duty to ensure that you are receiving the best pricing possible.
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Happy Customer Testimonials

"Finance was flawless...an absolute pleasure"


A big thank you to George, Arthur and the Team at AGM Finance. Everything from the accuracy of your initial estimations and timeframes, through to meeting deadlines and understanding our requirements was spot on!. The manner which you and the team handled our finance was flawless!.!! It was an absolute pleasure doing business with you
John Golubovic - DirectorMAXIEARTH PTY LTD

"I will surely be recommending your services to everyone in my network"


I would just like to extend my sincere thanks to Arthur, George and their wonderful team for assisting me to get my loan a few weeks back.
Abdul Khan – Director

"A great deal with a can-do attitude"


Excellent Customer Service and very proactive approach with a “Can Do” attitude! Very quick turn around on settlements. AGM Finance always come up with a great deal and never disappoint. Any day, any time, happy to refer them for their Excellent Service with a smile!!
Robin Joseph - CEOParabar Australia Pty Ltd

"Most professional finance team in Australia"


Always a pleasure dealing with the most professional finance team in Australia and especially George!!! For once again everyone from the AGM finance team in Brisbane made the process for purchasing a brand new truck in Sydney so easy! Thank you to everyone!
Terry Lef – DirectorTMV Transport Services Pty Ltd.

"AGM are brilliant!!"


It is so hard to find a company (any sort of company) where every member of staff are professional, reliable, on the ball and extremely friendly and helpful. AGM are all of those things. It is always such a pleasure to deal with each and every one of them and they are always happy to help.
Ewa Silman - DirectorSilman Bros Asphalting

"Their rates are second to none"


This is the 3rd time that I have dealt with AGM Finance and could not be happier. They are more than happy to assist wherever they can and their rates are second to none!
Cameron Jones – Director & CEOWholesale Food Group

"a fleet of over 100+ Trucks… the only broker we use"


I have been using the services of AGM Finance for the last 9 years. We now operate a fleet of over 100+ Trucks and Vehicle all financed though AGM Finance. We initially started using them as well as other finance brokers, though after a while I found their service to be most efficient and competitive and now they are the only broker we use.
Raj Deol – Director & CEOMove In Truck Rental
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We have access to over 40 different lenders

We shop for the best rate so you don’t have to. It’s part of our duty to ensure that you are receiving the best pricing possible.

GET FINANCE

We have access to over 40 different lenders

We shop for the best rate so you don’t have to. It’s part of our duty to ensure that you are receiving the best pricing possible.

GET FINANCE
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