Equipment Finance

Starˇ giving your business a new lease on life

Equipment Finance Solutions to free up working capitalSt.George offers a wide range of options for equipment finance, which can be tailored to suit your evolving business objectives. These solutions allow you to start freeing up working capital, stay at the forefront of the latest technology, and may also offer tax advantages.^

Finance Lease A Finance Lease provides you with the use of the equipment you need for an agreed period with no initial outlay. Payments may be tax-deductible depending upon your circumstances .̂ Payments are fixed and can be tailored to suit your business’s cash flow. At the end of the lease term you have the ability to upgrade to new equipment or refinance the existing equipment.

Commercial Hire PurchaseA Commercial Hire Purchase facility allows you to acquire equipment over time and can be for 100% of the purchase price, or less if you wish to pay a deposit up front. This solution provides you with the immediate use of the equipment in exchange for monthly repayments, which can be structured to meet your budgetary needs. Ideally, this solution will suit a business that wants to take up ownership of the equipment at the end of the term.

Start Business Banking ... your wayEquipment Finance is just one part of the wide range of business banking solutions available to your business from St.George.

Goods LoanAs an alternative to a Finance Lease or Commercial Hire Purchase, a Goods Loan is a fixed interest rate loan supported by Goods Security over the relevant equipment. The business takes immediate ownership of the equipment.

Novated LeaseAllows you to offer attractive remuneration packages to your staff, by providing employees with an option to lease a vehicle of their choice, while retaining ultimate responsibility for the leased vehicle. If the employee leaves, the business is not burdened with an unwanted vehicle.

All your Business Banking needsEquipment Finance is just part of the wide range of business banking products and services available through St.George Corporate & Business Bank.

From simplifying day-to-day banking to funding international expansion, St.George can deliver end-to-end solutions customised to the specific needs of your business.

We will work with you to gain the insight and understanding that can help us guide you to the most effective solutions for all your business banking and financial needs.

You can draw on the expertise and experience from a team of financial specialists who can tailor solutions to meet your needs:

• TransactionalBanking • EquipmentFinance*

• RiskManagement • AutomotiveFinance*

• ForeignExchange • CashFlowFinance

• TradeFinance • MerchantServices.

• PropertyFinance

See what we can start doing for your business. Speak to us today.

Call 133 800, Monday to Saturday or visit stgeorge.com.au/corporate

^St.George recommends you seek independent legal, tax or financial advice where appropriate. Fees and charges are payable. Terms and conditions apply and are available on request. All applications are subject to St.George’s normal credit approval criteria. Equipment Finance is offered by St.George Finance Limited ABN 99 001 094 471. *These products are distributed through St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 and Australian credit licence 233714. ST22409 06/13

For further information

Call us on 133 800, 8.00am to 8.00pm (EST) Monday to Saturday

` Visit stgeorge.com.au/corporate

stgeorge.com.au