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Sale / Buyback Finance
This type of finance is where a loan is raised (by way of Lease, Chattel Mortgage or Hire Purchase) against an item of heavy equipment that is owned outright and free from any encumbrance.
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Sale / Buyback Finance
Overview of a Sale / Buyback for Truck Finance
The Sale/Buyback facility is a strategic finance option that allows your business to unlock capital tied up in existing assets. This is achieved by raising a loan against an item of heavy equipment that you currently own outright and is free from any encumbrance or existing debt.
In this transaction, the financier essentially "buys" the asset from your business and immediately "sells" it back to you using a structured agreement, such as a Lease, Chattel Mortgage, or Hire Purchase. This frees up a significant sum of cash, which you can then immediately inject back into your business for working capital, expansion, or to pay down other, higher-interest debt.
This method offers a powerful way to leverage your balance sheet without disrupting operations. You retain full use of the critical equipment while gaining immediate access to funds. We structure this process efficiently to ensure a fast transfer of capital with minimal interruption to your day-to-day business.
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Apply Now for Online Pre-Approval up to $500K without affecting your credit score.
Release Equity
Features of a Sale / Buyback Facility
- Allows a client to purchase equipment very quickly to secure the sale, whilst allowing them to be reimbursed for the purchase
- Funds can be raised for working capital purposes or engine repairs
- Facility can be structured as a Finance Lease, Chattel Mortgage or Commercial Hire Purchase
- Funds are paid directly to clients bank account giving them control of the funds
Tax Advantages
Benefits of a Sale / Buyback Facility
- Facilitates access to funds in the event of an emergency (i.e. engine rebuilds or mechanical repairs for trucks or heavy machinery)
- Gives client the ability to raise funds for working capital requirements tax deductibility at end of the financial year
- As funds are paid directly into the clients bank account, it allows them to control how the funds will be used
- If a client needs to move on the purchase of a particular item of equipment at short notice (by paying cash) a Sale / Buyback Facility allows them to raise finance against the goods after the fact
We Make Heavy Vehicle Finance Quick and Easy for Business Owners Australia Wide.
Start Now and complete our Quick Assessment Form to obtain a Pre-Approval up to $500K – decision within a few seconds.
Alternatively, you can call one of our Finance Consultants to discuss your funding scenario.
Example Breakdown
Example Funding Scenario
- Purchase Price of 5 year old Kenworth Tip Truck – $165,000 (gst inc)
- Finance Type – Chattel Mortgage
- Loan Amount – $165,000 (gst inc)
- Term – 60 months
- Balloon – 30% or $49,500
- Payments – monthly in arrears
Outcome
- Client found this tip truck on the internet one day before a Ritchie Bros Auction and had a feeling that it would go for a good price. Client therefore rang our office for some funding options regarding truck finance, to which we suggested a Sale / Buyback
- This option for client meant that they could secure the tip truck for a great price at short notice
- A regular Chattel Mortgage agreement was drawn up for the client which allowed them to claim depreciation and interest as a tax deduction and reduce tax paid to the ATO
- Client was able to maximise working capital position as the $165,000 was deposited back into their nominated bank account a few days after payment was made to Ritchie Bros
Customer Reviews
Our customers say it best. Find out what it's like dealing with the Experts in Truck Finance. You could be the next success story.
Nathan you are fantastic to deal with. Always prompt with deals never a hiccup. After 8 truck deals will never use another broker. Keep up the great work you make my life stress free.
TH
Tracey Hall
Scone Equine Transport Pty Ltd
I have been dealing Heavy Vehicle Finance since 2014 and have found them be nothing short of amazing.They have funded various trucks and trailers for me over the years and its a fantastic feeling to know that I still have the same account manager after all of these years of business.It is very good to know that a finance approval is only a phone call away.
CW
Colin Wallace
Palanquin Pty Ltd
I have used the team at Heavy Vehicle Finance twice now for our financing needs for prime movers and side tippers. A Great team to work with and very prompt and professional. We will use again in the future.
JC
James Coustley
JJC Civil
I have used Nathan and his team for multiple purchases for our earthmoving company and Nathan has gone above and beyond to help us with expanding our business. I couldn’t recommend Nathan more highly.
SW
Sam Wood
Sureflo Plumbing & Roofing Contractors Pty Ltd
We used Heavy Vehicle Finance for the purchase of our Truck. They went above and beyond for us and made sure that the process was as stress-free as possible. The entire interaction was nothing short of amazing. We will definitely be using them again in the future.
MM
Meagan McNicholl
Next Gen Transport Pty Ltd
Can’t thank Nathan enough for how fast and professional he was with organising my finance for my new truck. He was straight to the point with no stuffing around. Highly recommended
TH
Tim Hartas
Hartrax Contracting Pty Ltd
Heavy Vehicle Finance Calculator
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Why Us?
Unlock the Benefits of Heavy Vehicle Finance for Your Sale / Buyback Loan
- Heavy Vehicle Finance backed by 20 Years Industry Experience. Heavy Vehicle Finance that will work for you.
- Quick, Easy and Obligation Free. Heavy Vehicle Finance Pre-Approvals up $500K.
- We deal with Owner Drivers and Fleet Operators Australia Wide. We will help you save thousands on your next Heavy Vehicle Loan.
- We're trusted across the Transport Industry as a leading provider of Heavy Vehicle Finance. Our applicants receive funding options tailored to their business needs, delivered efficiently by experts who understand Heavy Vehicle Industry.
- Typically No Financials are required for loans up to $500K and our unconditional approvals take only 24 hours.
- Our flexible policy matrix will give you greater access to capital—so you can secure the Heavy Vehicle and Heavy Equipment you need to grow your business faster and with more confidence.
- Our customers are assigned a dedicated Relationship Manager to help guide them through the process from start to finish.
Let us Finance
the Road to Your
Future
Complete our Simple Quick Assessment Form and let us go to work on finding the best Finance Deal on your New or Used Heavy Vehicle.
With over 20 years experience and thousands of deals done, we are on your side to get the best possible rate.
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