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 PRODUCTS

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Komatsu Finance tailors equipment finance solutions to suit the individual requirements of each customer.

Some of the products provided by Komatsu Finance include:

CHATTEL MORTGAGE

  • Fixed interest rate for the term of the loan.
  • Payment structures to suit your individual requirements.
  • You can propose a balloon or final payment entirely tailored to you.
  • You may be able to claim GST as an input tax credit in your Business Activity Statement.
  • As you hold ownership of the equipment, you may be able to claim depreciation and interest costs as tax-deductible expenses.

HIRE PURCHASE

  • While this product gives you the benefit of preserving your working capital as you pay off the vehicle, you are still considered the owner for tax and accounting purposes.
  • Ownership of the equipment will pass once final payment is made.
  • You may be able to claim GST as an input tax credit in your Business Activity Statement.
  • As the owner of the equipment, you may be able to claim depreciation and interest costs as tax-deductible expenses.
  • You can tailor your payments to match your income cycles or seasonal requirements.

OPERATING LEASE

  • Use the equipment for an agreed time in return for rental repayments.
  • No deposit to approved customers.
  • Rental payments may be fully tax deductible if the equipment is used solely for earning assessable income.

At the end of the lease term you can:

  • Return the equipment to Komatsu;
  • Continue to rent the equipment; or
  • Make an offer to Komatsu Finance to purchase the equipment, which we may accept.

FINANCE LEASE

  • No deposit to approved customers.
  • Match your lease to the length of time the equipment is required - lease terms available from 1 to 5 years.
  • Rental payments may be fully tax deductible if the equipment is used solely for earning assessable income.
At the end of the lease you can:
  • Return the equipment to Komatsu who can sell it in the market place (you would need to make up the shortfall if the net sale was less than the agreed residual value); or
  • Make an offer to Komatsu to purchase the equipment, which Komatsu may accept.
 
The accounting and taxation treatment of financial products is subject to change. We strongly recommend that you seek independent advice from your taxation and accounting adviser.