Products

Make your dreams a reality with secured loans. Whether you're looking to purchase a caravan, camper trailer, boat, or even a car, truck, or bike, secured loans provide the perfect solution. By using your asset as collateral, you can secure a loan that suits your needs. It's important to note that if you decide to trade-in or sell the asset before the loan term ends, you will need to settle the remaining balance. Understanding the specific early payout conditions of your chosen loan is crucial as these vary between lenders. Rest assured, we adhere to responsible lending guidelines and regulations to ensure your peace of mind throughout the loan process. With lower interest rates compared to other options, secured loans are a smart financial choice.

• Consumer Loans -These are regulated products and lenders need to comply with the requirements of National Consumer Protection - NCCP legislation especially responsible lending guidelines.
• Commercial Loans - These types of loans are not regulated like consumer loans. 

Seeking versatility, financial flexibility, and freedom? Unsecured loans also known as Personal Loans are the solution. With these versatile loans, you have the flexibility to use the funds for almost any purpose, whether it's debt consolidation, weddings, holidays, renovations, legal expenses (divorce) or even purchase unique items that aren't eligible for secured loans (like vintage treasures or Trailer Sailers). Unsecured loans offer greater freedom in terms of usage.

While unsecured loans do not require collateral, they may come with slightly higher interest rates compared to secured loans. However, they are an excellent option for smaller purchases and provide a convenient solution for consumers.

Discover the finance options that best suit your needs and embark on a journey towards financial empowerment. At Find That Finance, we are here to guide you every step of the way towards a secure and prosperous future.

. Note: This product is not available in some areas.

When it comes to financing your business, the right solution can make a world of difference. Chattel Mortgages provide an enticing option for businesses seeking convenient and flexible financing. Designed specifically for commercial needs, Chattel Mortgages enable you to leverage your assets to secure a loan, making it an ideal choice for businesses in need of working capital or looking to expand their operations.

One of the standout features of Chattel Mortgages is the flexibility it offers. Unlike traditional loans, where funds must be solely used for financing the asset, Chattel Mortgages is a loan typically used to purchase business equipment, such as machinery, equipment and vehicles vehicles, which is then used as security against the loan. Under a commercial chattel mortgage, the financier advances funds to the customer to purchase a vehicle, and the customer takes ownership of the vehicle at the time of purchase. The financier then takes security over the asset which is registerred witha PPSR. 

Another key advantage of Chattel Mortgages is the simplicity of the application process. With minimal documentation requirements and streamlined approval procedures, you can obtain funding quickly and efficiently. This makes Chattel Mortgages an excellent option for businesses that need funds in a short turnaround time, whether to seize a growth opportunity or address unforeseen expenses.

Additionally, Chattel Mortgages offer great benefits in terms of tax deductions. As the assets financed under Chattel Mortgages are classified as business expenses, you may be able to claim tax deductions on the interest payments and depreciation of the assets. These potential tax advantages can significantly reduce your overall business costs while improving cash flow.

Moreover, Chattel Mortgages help you retain ownership and control over your assets from day one. While the lender holds a mortgage over the financed assets, you can continue to utilize and earn income from them. This allows your business to maintain its operational efficiency and revenue generation, without interruptions.

In summary, Chattel Mortgages offer businesses the flexibility, convenience, and financial advantages they seek in a financing product. With the simplified application processes, potential tax deductions, and the ability to retain asset ownership, Chattel Mortgages empower businesses to unlock growth opportunities while effectively managing their cash flow. Explore the benefits of Chattel Mortgages for enhanced business financing today..

Are you an Australian business owner with a valid ABN/ Who is seeking to expand your operations with heavy machinery, new equipment, trucks and vehicles, but the tedious documentation process is slowing you down? Look no further! Find that Finance is dedicated to streamlining your borrowing experience by offering innovative low doc options tailored specifically for your commercial loan needs.

What are low doc options, you ask? They are financing solutions designed for individuals or businesses who may have limited documentation, making it easier to obtain the funding required for heavy machinery vehicles without the stress of traditional paperwork. Here's what makes low doc options your ideal choice:

1. Speed and Efficiency: With low doc financing, you can say goodbye to long waiting times and complex bureaucracy. By reducing the documentation requirements, we accelerate the loan approval process, getting you behind the wheel of your new heavy machinery vehicle faster than ever before.
2. Expanded Accessibility: We understand that individuals and businesses face hurdles when producing extensive financial records. Low doc options cater specifically to those who struggle to meet traditional lending criteria, providing a pathway to financing regardless of your past documentation challenges.
3. Flexibility: Our low doc options offer flexible borrowing terms, enabling you to tailor the loan to your unique business needs. Whether you require shorter repayment periods or want to maximize your cash flow by extending the loan duration, we've got you covered.
4. Competitive Rates: Don't let the "low doc" fool you into thinking you'll be subjected to exorbitant interest rates. Find that Finance ensures competitive rates for low doc options, allowing you to access the funds you need without straining your budget.

Say goodbye to the headaches of traditional financing and embrace the seamless experience of low doc options with Find that Finance. Our team of experts is ready to guide you through the process, providing personalised information and customized solutions to meet your heavy machinery vehicle financing requirements.

Take control of your business growth – unlock the potential of low doc financing for machinery, equipment, and vehicles today. Contact us now to begin your journey towards success! 

Question: What are secured loans?

Answer: Secured loans require collateral, such as an asset like a caravan, camper trailer, boat, car, truck, or bike. By using your asset as collateral, you can secure a loan that suits your needs. It's important to note that if you decide to trade-in or sell the asset before the loan term ends, you will need to settle the remaining balance.

Question: What are the early payout conditions for secured loans?

Answer: The specific early payout conditions for secured loans vary between lenders. It is crucial to understand these conditions before choosing a loan. Find That Finance adheres to responsible lending guidelines and regulations to ensure your peace of mind throughout the loan process.

Question: What are consumer loans?

Answer: Consumer loans are regulated products that lenders need to comply with the requirements of National Consumer Protection (NCCP) legislation, especially responsible lending guidelines. These loans are suitable for personal use and have specific regulations to protect consumers.

Question: What are commercial loans?

Answer: Commercial loans are not regulated like consumer loans. These loans are meant for business purposes and offer greater flexibility in terms of usage, but may have different terms and conditions compared to consumer loans.

Question: What are unsecured loans?

Answer: Unsecured loans, also known as Personal Loans, do not require collateral. They offer versatility, financial flexibility, and freedom in terms of usage. While they may come with slightly higher interest rates compared to secured loans, they are an excellent option for smaller purchases and provide a convenient solution for consumers.

Question: Are finance options available in all areas?

Answer: No, this specific finance product may not be available in some areas. Please contact Find That Finance for more information.

Question: What is a Chattel Mortgage?

Answer: A Chattel Mortgage is a type of loan where a business can use their assets, such as equipment or vehicles, as collateral to secure the loan.

Question: What are the benefits of Chattel Mortgages for businesses?

Answer: Chattel Mortgages offer flexibility in terms of fund allocation, simplification of the application process, potential tax advantages, and the ability to retain ownership and control over assets.

Question: How does the application process for Chattel Mortgages work?

Answer: The application process for Chattel Mortgages is simple and streamlined, typically requiring minimal documentation. This allows businesses to obtain funding quickly and efficiently.

Question: Are there any tax advantages associated with Chattel Mortgages?

Answer: Yes, there are potential tax advantages with Chattel Mortgages. Assets financed under Chattel Mortgages may be classified as business expenses, allowing for potential tax deductions on interest payments and asset depreciation.

Question: Can businesses retain ownership and control over their assets with Chattel Mortgages?

Answer: Yes, businesses can retain ownership and control over their assets from the beginning, even with a Chattel Mortgage. While the lender holds a mortgage over the financed assets, businesses can continue to utilize and generate income from them.

Question: What is low doc financing?

Answer: Low doc financing is a financing option specifically designed for individuals or businesses with limited documentation. It makes borrowing easier by reducing the paperwork required for loan approval.

Question: How does low doc financing make borrowing easier for businesses?

Answer: Low doc financing reduces the documentation requirements, making it easier for businesses with limited documentation to obtain the funding they need for heavy machinery, equipment, and vehicles.

Question: What are the key advantages of low doc options?

Answer: The advantages of low doc options include speed and efficiency in the loan approval process, expanded accessibility for individuals or businesses with limited documentation, flexibility in borrowing terms, and competitive interest rates.

Question: Are low doc options accessible for businesses with limited documentation?

Answer: Yes, low doc options are specifically designed for businesses that may have limited documentation, making financing more accessible for them.

Question: Are the borrowing terms flexible for low doc financing?

Answer: Yes, low doc financing offers flexible borrowing terms, allowing businesses to tailor the loan to their unique needs.

Question: What competitive rates can be expected for low doc options?

Answer: Find that Finance ensures competitive rates for low doc options, providing access to funds without exorbitant interest rates.

Question: How can businesses benefit from low doc financing for heavy machinery, equipment, and vehicles?

Answer: Low doc financing allows businesses to obtain the funding they need for heavy machinery, equipment, and vehicles, even with limited documentation. This streamlines the borrowing process and enables businesses to expand their operations more easily.

Comprehensive insurance provides you with protection if your vehicles (Car, Bike, Boat, Caravan or Camper Van) experiences accidental loss or damage, as well as cover for damage to property of other people.  Comprehensive Insurances is required for all secured loans. To find out more give us a call.