Managing your cash flow with asset finance

Guide

Many businesses are looking for ways to improve how they manage their cash flow and to simplify their accounting.

Regular fixed payments on a lease or a loan can help your business iron out cash flow and simplify accounting.

Asset finance can be an efficient way to manage your cash flow by either leasing or borrowing to fund vehicles and other equipment, including the latest technology. Preserving your capital through a lease or a commercial loan can provide you with the money and the hardware needed to expand your business.

Regular payments

Regular, fixed payments on a lease or a loan can help your business iron out cash flow into a smooth and predictable stream. Your accounting can also be made easier when reporting expenses and you don’t have to keep large amounts of capital aside for equipment.

Depending on your requirements, the equipment you can finance with regular fixed payments includes:

  • passenger cars
  • light and heavy commercial vehicles
  • plant and machinery
  • earthmoving and construction equipment
  • dental, medical and veterinary equipment
  • computer technology
  • office furniture.

Payment method

If you are a sole trader or owner of a small to medium sized business, you are likely to consider both your operating costs and asset finance options from time to time. When reviewing your choices, you may also want to consider the way you can make the regular fixed payments on a lease or a loan.

In a world-leading offering on some commercial finance arrangements with Macquarie, your business can now make repayments using an American Express® card. Not only does making your finance payments via your American Express card provide easier management of your accounts and extended cash flow benefits, you could also receive points under your card’s Rewards Program.1

Using your American Express card can help simplify your business’s accounting through a single point to monitor and report your expenditure. When you pay off your card in full by the statement date, you can also avoid additional interest charges.

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1 Payments via American Express only available on new commercial finance contracts obtained directly through Macquarie Leasing. Credit Card Rewards Program conditions apply, enrolment is required and an annual fee may apply, refer to your Card issuer for further details.

Information on Asset Finance products are prepared by Macquarie Leasing Pty Limited ABN 38 002 674 982 (Australian Credit Licence 394925) and Macquarie Equipment Rentals Pty Limited ABN 44 112 079 268 and does not take into account your objectives, financial situation or needs. Before making any financial investment decision or a decision about whether to acquire a financial, credit or lending product, a person should obtain and review the terms and conditions relating to that product and also seek independent financial, legal and taxation advice. All applications are subject to Macquarie’s standard credit approval criteria. This information is intended for recipients in Australia only.

Except for Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502 (MBL), any Macquarie entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of MBL. MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.