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The Toyota Material Handling dealer network is able to deliver the highest proportion of uptime for its equipment, thereby providing the highest levels of productivity to its clientele.
| Skid Steer Loader Finance Made Easy |
Toyota Material Handling (TMH) offers flexible lease and finance options to qualified customers through various financial institutions.
Traditionally, purchasing a skid steer loader, more commonly referred to as a bobcat, was the only way. Some people still prefer buying a skid steer loader outright – paying cash on delivery. However, now there is a range of finance options available.
TMH offers a comprehensive range of solutions for the financing of Toyota Huski Skid Steer Loaders. Simply speak to your local dealer who can provide you with further information and assist you in establishing the finance package that suits you best.
TMH recommends that customers consult with their professional taxation and financial advisers to determine the taxation and financial treatment of their preferred finance option.
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More and more businesses are choosing the lease option when acquiring a skid steer loader. Leasing offers a variety of arrangements, time frames and payment methods. A Finance Lease is an equipment rental arrangement with lease payments generally being fully tax deductible. It allows you (the lessee) to select the equipment of choice and use it as though you were the owner. This requires the lessee to take care of routine servicing, maintenance, registration and insurance.
Terms are negotiable within a range of 12 to 60 months. At the end of the term, the lessee can offer to purchase the skid steer loader or hand it back.
The lessee is also responsible for the residual value by way of an indemnity.
Benefits
- Security of fixed payments and interest rates
- Preserves working capital – funds can be invested in other
parts of the business
- Tax efficient – lease payments are generally tax deductible
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A Business Vehicle Loan is a flexible and tax effective means of financing a skid steer loader. Under a Business Vehicle Loan your business owns the skid steer loader and the financer takes a mortgage over it.
You can choose to structure your loan over a 12 – 60 month term and incorporate a final balloon payment to match your monthly payments with your cash flow requirements. Interest is calculated daily and extra repayments can reduce the loan period and interest payable.
Benefits
- The skid steer loader is an asset of your business
- Payments can be structured to suit your business requirements
- Depreciation allowances may be claimed
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A Term Purchase represents the ideal choice if a company seeks to own their industrial equipment at the end of the repayment term. That is, the ownership of the equipment passes to the customer upon payment of the final instalment.
The arrangement can be structured either to be fully amortised over the term, or payments can be set by structuring a “balloon” payment as a final instalment. It is structured to preserve business capital whilst paying for the equipment from generated income.
For tax and accounting purposes, the operator is treated as the owner – i.e. ‘on-balance sheet financing’. Interest rates are fixed for the term, which is negotiable within a range of 12 to 60 months. This option best suits those who aim to eventually own their equipment.
Benefits
- Unit is shown as an asset on the balance sheet
- Depreciation allowances may be claimed
- Interest can be offset against taxable income
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