In Business Finance Tips

Finding a business loan to suit your needs can be a confusing, often frustrating process. As business’ operate differently from each other, so does business finance, so it’s imperative to make sure you choose a business loan suitable to both your business requirements as well as budget.

We’ve put together a few products available to help you in understanding business finance options.


Chattel Mortgage

A Chattel Mortgage is suitable for purchases such as motor vehicles, equipment, machinery and marine.

A Chattel Mortgage allows the purchaser to take ownership of the goods at the purchase date and the financier takes a security over the goods until the loan is completed.

Finance Lease

A finance lease is a common option for business’ when purchasing motor vehicles and equipment.

A finance lease is where goods are owned by the financier and the purchaser pays a fixed monthly repayment for a set term. Once the finance lease term has ended, you have the option to:

  • Purchase the equipment outright
  • Refinance the equipment to continue the finance lease

More information about Finance Lease

Operating Lease

An operating lease is available if you don’t intend to own the equipment.

An operating lease is simply a rental agreement where you maintain a monthly repayment for a fixed period of time. At the end of the operating lease you simply hand the goods back to the financier.

Unsecured Business Finance

Business finance, as it sounds is where funds are allocated directly to you to assist with business associated costs.

Unsecured business finance can assist with:

  • Advertising and marketing
  • Renovations
  • Stock inventory
  • General working capital


iCREDIT is one of Australia’s progressive finance brokers with over 20 years lending experience within the finance industry.

We specialise in finding and comparing suitable business finance solutions allowing customers to make an informed decision on their finance purchase. Our national buying power with Australia’s leading banks and financiers ensures  you find a loan product suitable to your budget, needs and overall profile.

To organise an obligation free quote, please contact the team at iCREDIT on 1300 350 118 or email:

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