Commercial Finance

 Yamaha Motor Commercial Finance is Powered by Yamaha to service our customers better and provide complete satisfaction across our products.

 

Contact Yamaha Commercial Finance 

Patrick Zeait

Telephone: 1800 123 100
Email: commercialsales@ymf.com.au

 

*The information provided by YMF on this website is of a general nature and for information only. Before making a decision about finance options featured on our website, you should consult with your independent legal, taxation and financial advisor, who can advise you which finance arrangement will best suits your individual circumstances, objectives and personal or commercial needs.

Comercial Finance Products

  • Chattel Mortgage

    Enables commercial customers to fund the purchase of equipment for their business.

    Customer Benefits:

    • Flexible term
    • Fixed interest rate and repayments
    • Ability to structure repayments to suit individual needs
    • Ability to incorporate a deposit or trade in (unlike a lease)
    • Can be structured with and without a balloon (final payment)
    • Ability to include accessories and insurances within the finance amount
    • The customer may be eligible to claim a tax deduction for the interest charges on the contract and depreciation* 
    • Customers who are registered for GST may be eligible to claim the GST contained on the assets purchase price as an input tax credit on their Business Activity Statement (BAS)*
  • Commercial Hire Purchase

    Enables customer to hire the asset in return of fixed monthly repayments over a set period of time and ultimately own the asset at the term end after final amount is paid.

    Key features:

    • Secured finance, allows lower interest rates
    • Choice of terms ranging from 24 to 60 month
    • Ability to include final payment (balloon) or fully amortised
    • Repayments can be structured, matching your business’ cash flow
    • Ability to have equity upfront such as trade in or a deposit
    • Fixed interest rate allows fixed repayments for the term of loan
    • Monthly payments are GST inclusive
    • No maintenance or servicing program provided
    • Ability to finance, accessories, bolt-ons and certain types of approved insurances
    • Ownership of the equipment transfers to the client upon receipt of the final payment
    • Tax deductions and input tax credits may be available for eligible customers if asset used for business purposes*
  • Finance Lease

    Enables customer to use asset in return of fixed monthly lease rental whilst YMF retains the actual ownership of the asset. This allows business to budget monthly cash flows in lieu of capital outlay. YMF may allow you to purchase the asset at the end of the term.

    Key features:

    • Fixed monthly lease payment with flexible contract terms ranging from 24 to 60 month
    • Fixed interest rate
    • Residual set in accordance to effective life of the asset
    • Advance lease payments can be made for tax deduction or business cash-flow purposes*
    • 100% of invoiced costs are financed, no deposit or trade in required
    • Finance lease is secured against the asset allowing lower interest rates
    • Ability to finance, accessories, bolt-ons and certain types of approved insurances
    • Since the GST contained in the asset’s purchase price is claimed back by the financier, only the equipment’s price exclusive of GST is financed, which results in reduced monthly payments
    • Tax deductions may be available for eligible customers if asset used for business purposes*
    • GST is charged on the monthly lease payment and on the residual value at the end of the lease. Where the customer is registered for GST, they may be able to claim some or all of the GST contained in the lease payment and the residual value as an input credit on their next Business Activity Statement.
  • Master Rental Agreement

    Master Rental Agreement is generally meant to cover multiple goods, transactions and parties. This will generally suit commercial use or business customers who have need to acquire/financing assets more regularly. 

    Key features:

    • Tailored to suit the specific asset category
    • Structured to reflect the estimated usage of the goods
    • Ability to deal directly with the dealer
    • Fixed monthly rentals
    • Flexible payment methods
    • Credit limit makes it easier for acquisition of new goods and future business needs
    • Ease of procurement management with goods added and removed over the life cycle
    • Removes the compliance burden of multiple agreements, parent entity can execute documents on behalf of others
    • Goods can be returned at the end of their contract and a new rental commences
    • Tax deductions may be available for eligible customers if asset used for business purposes*
  • Operating Lease - Maintained or Non-Maintained

    An Operating Lease is simply a Rental Agreement, rather than buying the asset you rent it on a manageable monthly rental payment. You can choose between options of taking a maintained or non-maintained operating lease.

    Key features:

    • Flexibility – renting means you can afford the asset for less capital
    • Flexible end of lease term options i.e. extending the lease, upgrading to new unit or offering to purchasing the asset
    • Fixed contract terms
    • Fixed interest rate
    • Fixed monthly lease payment
    • Structured according to the usage and or effective life of the asset
    • Servicing can be built into the rental payments or options to servicing available (maintained lease only)
    • Ability to finance, accessories, bolt-ons and certain types of approved insurances 
    • Tax deductions may be available for eligible customers if asset used for business purposes*
  • Operating Lease RMAX

    Yamaha  unmanned RMAX helicopters are designed for a wide range of industrial and research applications. Advanced technology, proven high performance and high tech safety features mean efficient, effective problem solving for many industries

    Key features of the RMAX operating lease:

    • Options for maintained or non-maintained operating lease
    • Lease set according to hours of usage
    • Fixed monthly lease payment
    • Residual value set according to effective life and usage
    • Refinance available at the end of term subject to the hours of use not exceeding 1000 hours at which point the asset is destroyed (CASA requirement)
    • Tax deductions may be available for eligible customers if the asset is used for business purpose*