Products

Consortium

A group of people who formally commit to making monthly payments into a common fund or pool, intended for the future purchase of an asset, the units of which will be delivered gradually to each member at predetermined intervals, through a lottery and/or bidding process.

Product features

• No interest charges
• Available to both individuals and businesses
• Promotes financial literacy
• Repayment terms of up to 120 months

Benefits of the Komatsu consortium

• Guaranteed factory delivery
• Wide variety of plans
• Purchase planning
• No down payment required
• No reserve fund required
• Allows you to secure a unit early through bidding

Direct Consumer Credit (CDC)

CDC is financing provided to both individuals and businesses for the purchase of new or used machinery and equipment over a fixed term. The asset is an integral part of the borrower’s assets and will be assigned to the CDC contract.

Product features

• Available to both legal entities and individuals
• Simple to arrange and close, with quick payment to the supplier
• Option for full early repayment of the contract
• The asset remains in the customer’s name and is assigned to the bank for the duration of the contract

Tax benefit

• Depreciation may be recognized as an expense, and interest paid may be recognized as a financial expense
• Subject to the Financial Transactions Tax (IOF)

Benefits of financing with Komatsu Bank

• Flexibility in negotiations
• Special terms for machinery and equipment
• Expertise in financial products and the machinery market
• Highly ethical business practices
• Understands the customer’s market, recognizing its seasonal nature and the day-to-day challenges faced
• Nationwide coverage
• Partnering with dealers and customers at every stage of your business

FINAME

FINAME is a financing program offered with BNDES funds for the purchase of new machinery and equipment through accredited institutions.

New machinery and equipment manufactured in Brazil are eligible for financing under the FINAME program, provided they meet BNDES’s requirements regarding domestic production, with a minimum of 60% domestic content. All heavy machinery manufactured by Komatsu do Brasil has a high degree of domestic content and is eligible for BNDES financing.

Product features

• Available to both legal entities and individuals
• Attractive rates, subsidized by the federal government
• Declining installments, due to the financial structure of the transaction
• Option for full early repayment of the contract
• The asset remains in the customer’s name and is assigned to the bank for the duration of the contract

Tax benefit

• Depreciation may be recognized as an expense, and interest paid may be recognized as a financial expense
• Not subject to ISS or IOF

Benefits of financing with Komatsu Bank

• Flexibility in negotiations
• Special terms for machinery and equipment
• Expertise in financial products and the machinery market
• Highly ethical business practices
• Understands the customer’s market, recognizing its seasonal nature and the day-to-day challenges faced
• Nationwide coverage
• Partnering with dealers and customers at every stage of your business
• Professionals with in-depth knowledge of FINAME products

Leasing: Financial Leasing

Leasing is a rental option that includes the right to purchase the asset at the end of the contract. It is available to both individuals and businesses for the acquisition of new machinery and equipment over a fixed term. The asset is owned by the bank and leased to the customer for the entire duration of the contract.
 

Product features

• Available to both legal entities and individuals
• Simple to arrange and close, with quick payment to the supplier
• The existence of a residual value that can be paid in advance or spread out over the term of the contract
• The asset is owned by the lessor and leased to the customer for the duration of the contract

Tax benefit

• The lessee records the asset on its balance sheet, but depreciation has no tax effect
• Depreciation has a tax impact only on the lessor
• The lessee records the payments as a deductible operating expense
• Subject to the Services Tax (ISS)
   

Benefits of financing with Komatsu Bank

• Flexibility in negotiations
• Special terms for machinery and equipment
• Expertise in financial products and the machinery market
• Highly ethical business practices
• Understands the customer’s market, recognizing its seasonal nature and the day-to-day challenges faced
• Nationwide coverage
• Partnering with dealers and customers at every stage of your business

Komatsu Insurance

Komatsu Insurance can be used to cover potential property damage to the purchased asset (Miscellaneous Risks – RD) and is underwritten by SOMPO Seguradora and administered by Terra Fértil Corretora de Seguros.

Product features

• Insurance for both legal entities and individuals
• Insurance that’s easy to purchase
• Provides all the coverage your business needs

Benefits of Komatsu Insurance

• Special rates and terms for the brand’s insurance policies
• Option to finance the premium under attractive terms
• First-class coverage options
• Option for multi-year policies

Komatsu Bank service fee schedule

Download the Komatsu Bank Service Fee Schedule to view the current fees, charges, and terms and conditions applicable to financial products and transactions.