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Funding Options

When it comes to funding your fleet vehicles, no two businesses are the same. That’s why we offer a choice of finance products to suit your needs. Whether you’re thinking about vehicle finance via an operating lease, finance lease or a term loan, learn about our comprehensive range of funding options:

Operating Lease

An operating lease is an off balance sheet asset funding option for businesses that don’t want to take on the risk of selling the vehicle at the end of the lease. You can choose any or all of the Fleet Management Services to form your monthly payment.

With an operating lease, Toyota Fleet Management owns the vehicle and leases the vehicle to you with your choice of term and kilometre usage. At the end of the term the vehicle is simply handed back, avoiding the risks associated with ownership, as there is no residual value to pay.

This option includes 100% financing at a known monthly cost so there’s no capital outlay. Lease rentals are generally fully tax-deductible and treated as an expense on your Profit and Loss statement.

Finance Lease

A finance lease transfers the risk of ownership to you without transferring legal ownership. At the end of your lease, you can make an offer to pay out the lease, extend your term or enter into a new agreement for another vehicle.

A finance lease gives you 100% financing at a known monthly cost with no capital outlay. Lease rentals are normally fully tax deductible and treated as lease repayments and interest.

Classic Finance

This is a sale of a vehicle where the legal ownership lies with the customer. A financier takes a security interest (PPSR) over the goods. No GST applies to interest and term charges. Just like term loan, you can claim depreciation and interest for business usage.

Sale and Lease Back

A sale and lease back lets you free up capital through the sale of vehicle assets at the written down or market value. The vehicles are then leased back to your business.

If you’re looking for cash flow, sale and lease back releases capital when you sell vehicle assets to Toyota Fleet Management at the written down or market value. The vehicles are leased back to you, immediately freeing up capital for alternative investment.

Enjoy the following benefits:

  • Each vehicle is assigned a lease term and kilometre allowance tailored to its usage, with the lease expiry falling within your company vehicle replacement policy.
  • Structured transactions ensure the purchase price is compatible with your tax and accounting requirements.
  • Enjoy improved cash flow forecasting, due to fixed rentals or instalments.