Finance products

Chattel mortgage

• Fixed interest rate for the term of the loan.
• Payment structures to suit your individual requirements.
• You can propose a balloon or final payment entirely tailored to you.
• As you hold ownership of the equipment, you may be able to claim depreciation and interest costs as tax-deductible expenses. 

Hire purchase

• While this product gives you the benefit of preserving your working capital as you pay off the vehicle, you are still considered the owner for tax and accounting purposes.
• Ownership of the equipment will pass once final payment is made.
• You may be able to claim GST as an input tax credit.
• As the owner of the equipment, you may be able to claim depreciation and interest costs as tax-deductible expenses.
• You can tailor your payments to match your income cycles or seasonal requirements.

Operating lease

• Use the equipment for an agreed time in return for rental repayments.
• No deposit to approved customers. 
• Rental payments may be fully tax deductible if the equipment is used solely for earning assessable income.

At the end of the lease term you can:

• Return the equipment to Komatsu;
• Continue to rent the equipment; or
• Make an offer to Komatsu to purchase the equipment.

Finance lease

• No deposit to approved customers. 
• Match your lease to the length of time the equipment is required - lease terms available from one to five years.
• Rental payments may be fully tax deductible if the equipment is used solely for earning assessable income.