ANZ's high quality traditional banking solutions can be customised to suit your individual business needs. Our products and services include

• Secured Term Lending
• Lease Financing
• Hire Purchase
• Receivables/Vendor Financing
• Structured Finance

Secured Term Lending

By using the underlying asset as security, ANZ can provide you with medium- to long-term financing for asset acquisition in a competitive manner.

Lease Financing

A Finance Lease is a contract in which you (the 'lessee') have use of a selected piece of equipment for an agreed period of time in return for a series of rental payments to ANZ (the 'lessor'). Benefits of this product include:

• Cash Flow Retention
  • Up to 100% financing so cash can be retained for other purposes
• Profit Forecasting and Budgeting
  • Contracts can be fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cash flow forecasting
• Flexibility
  • Option to select the term and the timing of repayments to suit your cash flows
• Potential Tax Advantages
  • Lease rentals may be tax deductible under some tax regimes, provided the equipment is used to generate assessable income, you should seek your own taxation advice to confirm your position.

Hire Purchase 

A Hire Purchase agreement is a contract which ANZ (the 'owner') conveys to the customer (the 'hirer') the right to possess and use an asset and the right to acquire ownership of the asset by making progressive payments. Benefits of the product include:

• Cash Flow Retention
  • 100% financing so cash can be retained for other purposes. Customers may have equity in the goods by way of deposit or trade-in allowance
• Profit Forecasting and Budgeting
  • Contracts can be fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cash flow forecasting
• Flexibility
  • Option to select the term and the timing of repayments to suit your cash flows
• Potential Tax Advantages
  • Depending on the tax laws applicable to you, depreciation and interest charges relating to hire purchase transactions may be tax deductible, provided the equipment is used to generate assessable income - you should seek your own taxation advice to confirm your position.

Receivables/Vendor Financing

For clients in the manufacturing sector, ANZ can provide you with the ability to provide financing to your clients around our super region through receivables and other vendor finance products. Benefits of this product include:

• Facilitating Deferred Payment Arrangements for your clients  
  • ANZ provides financing against the future receivables payable under your sales contract with your clients
• Achieve Sales Treatment  
  • ANZ can facilitate vendor financing in ways that can still permit you to achieve sales treatment in relation to your equipment sales.

Structured Finance

ANZ can provide a range of structured solutions to meet your tax risk and balance sheet objectives. These solutions include standard products (such as cross-border leases) to bespoke products, tailored to your specific requirements.

To learn more about ANZ structured finance solutions, please contact your ANZ Relationship Manager.

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