Finance Options

Finance Options

Do you need asset Finance?

Compare Asset Finance Rates

Bank Loans or Rent-to-Own

At, AgriFinance Hub we pride ourselves in offering leading-edge Asset Finance Solutions. Together with Chembros we source finance for all assets available at Chembros. Our service is similar to that of a Bond Originator, we do the legwork and submit the paperwork to the 4 major banks and get comparison quotes, should you qualify we also submit the application to a FSB approved Funder who offer an Operating Lease with ownership ( Rent-to-Own). You can now compare all the rates without having to jump through hoops at each financial institution, making the process of owning your next asset purchased at Chembros so much easier, you sit back and choose the option that suits you best, either a Bank Loan or Rent-to-Own.

What is an Operating Lease with ownership ( Rent-to-Own)?

An operating lease is a term contract for the use of equipment during a fixed term, with ownership option and the end of term. Product therefore does not reflect in client`s asset register.

Why Operating Lease rather than Hire Purchase?

An operating lease does not affect your balance sheet`s debt ratio, which means it has no impact on your other facilities such as over draft, production loans or bonds , it is Off Balance Sheet Funding.

What is value of product at end of term?

Value of product is determined by dealership that does trade-in, full value of product belongs to the client, this is the reason ownership option is given on contract.

What is benefit of 0% Deposit?

Creates cash-flow, opportunity cost of capital is important for any business.

What is interest rate?

Premium is calculated according a fixed rental premium, no interest rate is quoted.

How does VAT payment work?

Vat is payable monthly on invoice, creating a better Vat claim over term

Premium Terms

Premiums are payable monthly or quarterly, normally in advance or arrears depending on client.

TAX Benefits

Premiums are 100% TAX DEDUCTIBLE as an Operating Expense over term.

Can I settle anytime?

Yes, settlement can be requested and will be calculated according to outstanding term.

Who Pays Insurance and Maintenance?

The client pays as per normal conditions for hire purchase.

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