Should you take a balloon? Our thoughts.
A balloon can lower your repayments, but it leaves more debt outstanding. Here are four things to consider before choosing one.
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Insights from what we see working with business owners, banks, and other stakeholders.
Latest thinking
12 articles
Do I need deposit as a startup borrower?
How lenders consider an upfront deposit and how we typically manage the process.
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Are interest rates higher for older aged equipment?
A higher rate on an older asset can be a small part of the purchase decision.
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Equipment finance fees explained: what are you actually being charged?
Read the loan amount and the fee lines before comparing the interest rate.
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Why your insurance broker should understand your industry.
A specialist who knows the work can make the insurance side of an equipment purchase easier to execute.
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Before you accept insurance premium funding, look at the monthly cash-flow cost.
A ten-month and a twelve-month schedule can feel very different to a working fleet.
Read article →Can MFG Finance finance a private or recreational aircraft?
Our aircraft work is for genuine commercial and business use. Here is where a private buyer can start.
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How much deposit would I put into an equipment purchase?
James Allan on keeping cash in the business and deciding when a deposit actually helps.
Read article →How would I shop for equipment finance on interest rate?
I would calculate the dollar cost, then ask what the lender choice does to the next purchase.
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Buying your first piece of equipment? What I would organise before finance.
A practical checklist for the work, asset, cash flow and documents a lender will ask about.
Read article →Why I would ask for repayments in arrears.
The date the first repayment leaves your account can matter as much as the rate.
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Why we built MFG differently
James and Dan brought credit analysis into a direct brokerage relationship.
Read article →Tell us what you’re working towards.
Buying your first machine? Replacing a fleet? Start with the situation as it is. We’ll talk through the assets, the timing and what the next decision means for your business.
Let’s grow together.
Replacing equipment or planning the next purchase? Tell us what you have in mind.
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