Business Loans

Business Customers

At Mercedes-Benz we understand the complexities of running a modern-day business, but did you know you can get much more than just company cars from us, we offer a variety of finance agreements that suit both you and your business. 

If you are considering buying a new car for your business and require a business loan, you have a choice of two options: to lease or buy the new car. When making a decision to lease or buy a business vehicle you must consider your business financial situation and review your priorities.

It is vital to understand all of the different tax and ownership structure implications before making financial decisions. Depending on your situation consider engaging experts, such as a licensed taxation accountant or financial planner, to advise you where appropriate. 

If your business likes to own its assets

Business Credit Agreements give you the flexiblity to structure your payments to suit your business' budgeting and cash flow requirements (subject to credit acceptance). At the end of the contract your business takes complete ownership of your Mercedes-Benz.

Benefits

- Part of a complete financial solution, including insurance
- Build up equity in vehicle
- Payments tailored to suit individual needs
- Potential tax benefits for business customers
- Simple user-friendly documentation
- Competitive fixed rates

Agreement Term

- Minimum: 6 months
- Maximum: 60 months

Vehicle ownership

Title of the vehicle transfers to the customer once all payments are made and Mercedes-Benz Financial no longer has an interest in the vehicle.

End Of Term

Once final payment is made, full ownership transfers to the customer. If the contract has a balloon payment, there are various options available to the customer:

- Pay the full amount of the balloon payment to Mercedes-Benz Financial
- Refinance the amount of the balloon payment for a further term
- Trade or sell the vehicle and settle the amount owing

A flexible leasing option for your business

A Lease Agreement gives your business immediate use of the vehicle with minimal outlay. It enables you to potentially benefit from certain tax advantages due to the different ownership transfer in comparsion to "purchase contracts". Though, we recommend you seek independent financial and/or taxation advise as to what tax implications apply to you.

Rentals are fixed for the term of the lease, with a final payment based on the residual value. This value is set at the commencement of the contract and is the customer's responsibility.

Your benefits

- Part of a complete financial solution, including insurance
- Potential tax benefits for business customers
- No or minimal outlay required, thus freeing up cash for other purposes
- Incorporating a residual payment means payments are kept down, making it more affordable
- Simple user-friendly documentation
- Competitive fixed rates
- Unlimited kilometres and no refurbishment costs

Agreement Term

- Minimum: 6 months
- Maximum: 60 months

Insurance Requirements

Customers are required to maintain a comprehensive insurance policy over the vehicle.

End of Term

If the contract has a residual payment, the following three options are available to you:

- Pay the full amount of the residual payment to Mercedes-Benz Financial
- Refinance the amount of the residual value for a further term
- Trade or sell the vehicle and settle the amount owing