Chattel mortgage
Secure a fixed-rate loan against the equipment you are buying. You own the asset from day one, which suits cash-basis GST accounting, and repayments plus contracts remain free from GST and stamp duty.
Business Finance
Business and Commercial finance tailored to your strategy.
Whether you're upgrading equipment, funding expansion, or improving cash flow, iLoans helps you compare a wide range of business finance options from over 40 trusted lenders. With more than 18 years of experience in commercial lending, our brokers guide you from first conversation to settlement - helping you structure finance that supports your goals and complies with your tax and cash flow needs.
What we offer
Commercial loan solutions for your next move
Mix and match loan types, balloons, and tax strategies with guidance from brokers who understand cash flow and compliance.
Residual or balloon
Structure a 10% to 40% balloon payment at the start or end of the agreement. Lower monthly repayments support cash flow while keeping the asset within reach.
Accounting benefits
Choose to pay the GST portion upfront or include it in the loan. When the asset is 100% for business use, interest remains tax deductible and you can still claim depreciation.
Leasing
Preserve working capital by replacing an upfront purchase with manageable rentals on vehicles, equipment, or technology. If the asset is for business only, those repayments are generally tax deductible.
Hire purchase
Rent the asset over an agreed term and take ownership once the scheduled repayments plus interest finish. It spreads the cost and can deliver balance sheet and taxation advantages versus paying upfront.
Debtor finance
Unlock the value tied up in receivables so cash flow stays healthy while customers pay on normal terms. Established businesses can access funds early without taking on additional debt.
Low doc loans
Asset-backed, clean-credit businesses with a minimum two-year ABN and GST registration may access low doc facilities up to $250,000, subject to lender assessment and the asset being purchased.
Let's map out your next move
Share your plans and we will outline funding options that protect cash flow and keep your business growing. Prefer to chat first? Call us between 7 am and 7 pm, Monday to Friday.