Structured and asset based finance - Products & services

Structured and asset based finance

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

Secured Term Lending
Finance Lease and Chattel Mortgage
Hire Purchase
Off Balance Sheet Financing
Structured Finance

Secured Term Lending

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

Finance Lease and Chattel Mortgage

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

Cash Flow Retention
- Up to 100% finance 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% finance 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

Off Balance Sheet Financing

ANZ's Corporate Lease facility enables you to take your individual leases and incorporate them into a total asset management package. Benefits of the product include:

Cash Flow Retention
- 100% finance so cash can be retained for other purposes.
Profit Forecasting and Budgeting
- Assets spread over different states, departments or business units can be grouped to provide tailored asset tracking and cost centre reporting thereby 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
- Ability to roll multiple payments into one common repayment date per rent payment period
- Ability to choose from a suite of published fixed and variable interest rates
Tax Advantages
- Depending on the tax treatment applicable to you, where equipment being financed is used to generate assessable income, depreciation and interest charges relating to off balance sheet financing may be tax deductible whilst rentals may be tax deductible in the case of a Corporate Lease - you should seek your own taxation advice to confirm your position
Asset Risk Management
- ANZ’s off balance sheet facilities can provide an effective means of managing obsolescence and residual value risk in a cost effective manner.

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.

Learn more about ANZ structured and asset based finance