Finance by Design offers a wide range of Financial Services
 FBD’s products and services include the following:
Equipment Finance
Home & Commercial Lending
 Industry Finance for:
Transport, Manufacturing, Agricultural, Retail, Fleet and Mining. For more details see our industries page.
Items Financed:
Trucks & Trailers, Vehicles, Manufacturing Equipment, Plant & equipment,
Computer and Business Equipment and Office Fit-out. For more information see our industries page.
Hire Purchase
 Purpose
Assists companies and business professionals to acquire a wide range
of equipment such as motor vehicles, trucks, agricultural, earthmoving, industrial plant and business equipment.
How it works
The hire purchase agreement is a contract where the finance company (the "owner") gives the "hirer" possession and use of an item of equipment in return for regular payments.
When the final payment is made, the "hirer" owns the goods.
Match your cashflow
Tailor the repayments to suit seasonal cash flow. You can also arrange to make a balloon payment at the end of the loan to reduce repayments throughout the term.
Early Repayment
You have the flexibility to repay the contract in full before the term ends.
Interest rates
The repayments are fixed throughout the life of the loan.
Loan Features
| Loan Amount |
$10,000 and upwards |
| Duration |
12 Months to five years |
| Repayment frequency |
Monthly, quarterly, semi-annually, annually, seasonally or irregularly |
| Repayment methods |
Direct debit and periodical payment from a nominated bank account, BPAY® |
| Place an enquiry |
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Novated Lease
 Purpose
For employees who require a car for business use or as part of their salary package. The employee's company pays for all repayments to the finance company while the employee enjoys full use of the motor vehicle.
How it Works
The employee decides on the car to be purchased and leases it from Esanda.
The employee then novates the lease to their employer, who assumes all the employee’s rights and obligations under the lease, including responsibility of meeting the lease rentals.
The contract is in the name of the employee who remains the registered owner throughout the lease and keeps effective control of the vehicle at all times.
If the employee leaves the company, the vehicle remains with the employee. In this situation generally the employee takes over the payments or gets another employer to make the payments. This means, the original employer is not left with an unwanted car and the employee keeps the vehicle.
Product Benefits
- Benefits for Employees
- Use of the vehicle with employer meeting the monthly repayments.
- Option to buy the vehicle without a deposit or the hassle of being reimbursed from your employer.
- Complete choice about what car you buy and where you buy it from.
- Retain the car even if changing employment.
- Benefits for Employers
- If the employee leaves, the company is not left with an unwanted car.
- The employer can provide the employee with a car without having to reflect it on its balance sheet.
Interest Rates
We offer highly competitive interest rates fixed for the term of the loan guaranteeing a set monthly repayment.
Loan Features
| Loan Amount |
$10,000 and upwards |
| Duration |
12 months to five years |
| Repayment frequency |
Monthly, quarterly, semi-annually, annually, seasonally or irregularly |
| Repayment methods |
Direct debit and periodical payment from a nominated bank account, BPAY® |
| Place an enquiry |
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Finance Lease
 Purpose
For employees who require a car for business use or as part of their salary package. The employee's company pays for all repayments to the finance company while the employee enjoys full use of the motor vehicle.
How it Works
The finance company purchases the equipment or vehicle you require and then leases the goods to you. You then enjoy the use of the vehicle or equipment for an agreed time in return for a series of rental repayments.
What is the lease agreement?
The lease agreement sets out the:
- Residual value of the item being financed
- Duration of the lease
- Fixed Monthly rental
- Depreciation rate
When the lease expires
You can choose to:
- Return the equipment to the finance company who has the option to sell it in the market place (The client would need to make up the shortfall if the net sale was less than the agreed residual value)
- The finance company may give you an invitation to purchase the equipment.
Product Benefits
- No initial cash outlay
A finance lease gives you immediate access to the goods your business needs without a capital outlay so you can put your day-to-day cash flow to better use.
- Negotiate your payments and residual value
Within an approved range allowing more flexibility in budgeting.
- Flexible terms
Match your finance to the length of time the asset is required – from one to five years.
- Match your cashflow
Tailor the repayments to suit seasonal cash flow. You can also arrange to make a balloon payment at the end of the loan to reduce repayments throughout the term.
- Tax deductible
Rental payments are fully tax deductible if the equipment is used solely for earning assessable income. Speak to your accountant for further information about tax benefits.
- Free up other valuable assets
The equipment being purchased is normally sufficient security for the finance – your other business assets are not required as security.
Product Features
| Term |
One to five years |
| Loan Amount |
$10,000 and upwards |
| Fees and Charges |
Fees and Charges apply. For more details please contact us |
| Repayment frequency |
Monthly, quarterly, semi-annually, annually, seasonally or irregularly |
| Repayment methods |
Direct debit and periodical payment from a nominated bank account, BPAY® and cash/cheque deposits via a cash booklet. |
| Other Details |
The residual value of the leased goods is established in accordance with a schedule issued by the Commissioner of Taxation.
Lease rentals are usually tax deductible if the leased goods are used to produce assessable income. |
| Place an enquiry |
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Chattel Mortgage
 Purpose
Assists companies and business professionals to acquire a wide range of equipment such as motor vehicles, trucks, agricultural, earthmoving, industrial plant and business equipment.
How it Works
Title ownership of the goods transfers to the owner upon delivery and the finance company secures the loan by registering a charge over the asset in question.
The business equipment being purchased is taken as security for the loan agreement.
Interest Rates
We offer highly competitive interest rates fixed for the term of the loan guaranteeing a set monthly repayment.
Loan Features
| Loan Amount |
$2,000 and upwards |
| Duration |
12 months to five years |
| Repayment frequency |
Monthly, quarterly, semi-annually, annually, seasonally or irregularly |
| Repayment methods |
Direct debit and periodical payment from a nominated bank account, BPAY® |
| Place an enquiry |
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Consumer Mortgage
 Purpose
Assists individuals to purchase items including vehicles, marinecraft and motorbikes for personal use.
How it Works
The loan is regulated under the consumer credit code and items being financed must be used for personal use.
Title ownership of the goods transfers to the client upon delivery and the finance company secures the loan by registering a charge over the asset in question.
Interest Rates
We offer highly competitive interest rates fixed for the term of the loan guaranteeing a set monthly repayment.
Loan Features
| Loan Amount |
$10,000 and upwards |
| Duration |
12 months to five years |
| Repayment frequency |
Fortnightly or Monthly |
| Repayment methods |
Direct debit and periodical payment from a nominated bank account, BPAY® |
| Place an enquiry |
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 Home and Commercial Lending
As a result of our wide range of lender accreditations we can access the full range of loan and finance products available in the market place today to meet any given situation. These include:
- Business and commercial finance
- Home & investment loans
- Low Document loans
- Non-conforming loans
To find out how we can help with these services - please complete our finance enquiry form.
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