Equipment & Machinery
Explore funding for eligible machinery, equipment and productive assets required for business operations, expansion or capacity improvement.
PURCHASE FINANCEFinance the purchase
Finance the purchase
with the right structure.
Purchase finance can support eligible business purchases such as equipment, machinery, commercial assets and other permitted requirements. The suitable route depends on the business profile, purchase purpose, financial position, repayment capacity and lender-specific policy — not only the purchase amount.
BUSINESS PURCHASE USESFunding around
Funding around
the business requirement.
Purchase finance can support different eligible business acquisitions. What matters is whether the business profile, purchase purpose, repayment capacity and proposed transaction fit an appropriate lending route.
Business Asset Purchase
Consider finance for eligible business assets where the purchase purpose, customer profile, asset and lender policy are acceptable.
Technology & Infrastructure
Review funding possibilities for eligible technology, systems or infrastructure purchases that support business capability and operations.
Other Eligible Purchases
Assess other permitted business-purchase requirements according to transaction purpose, financial capacity and lender-specific policy.
WHAT MAY INFLUENCE ELIGIBILITYLenders assess more than
Lenders assess more than
the purchase amount.
Exact criteria can differ by lender, business profile, purchase type and product. These are some of the broader factors that may influence a purchase-finance assessment.
BUSINESS PROFILE01
What does the business profile indicate?
Business activity, vintage, constitution, operating history and overall profile can influence lender assessment.
PURCHASE PURPOSE02
What is the business purchasing?
The nature, purpose and commercial relevance of the proposed purchase can affect product suitability and lender acceptance.
FINANCIAL CAPACITY03
Can the business comfortably service the funding?
Turnover, profitability, cash flow and repayment capacity help lenders assess the proposed financial commitment.
TRANSACTION STRUCTURE04
How is the purchase being funded?
Purchase value, borrower contribution, proposed finance amount and transaction structure can shape the lending route.
BANKING & CREDIT05
What does financial conduct indicate?
Banking behaviour, existing obligations, repayment history and credit profile can influence eligibility and lender comfort.
ASSET & LENDER POLICY06
Does the complete transaction fit the institution?
Customer profile, purchase or asset eligibility, funding structure and assessment criteria can differ across lenders and programs.
PROFILE BEFORE PRODUCTThe same business purchase can receive
The same business purchase can receive
different lender responses.
Banks and financial institutions may differ in their approach to business profile, purchase purpose, financial performance, asset or supplier details, contribution, tenure and financing norms.
That is why choosing a lender before understanding the complete business and purchase profile can be the wrong starting point.
STARTING WITH A BANKProduct → Application → Assessment
VSThe customer begins with a lender and discovers policy fit later in the process.
THE CREDITLINE APPROACHRequirement → Profile → Suitable Options
Understand the business and purchase first, then explore relevant financing possibilities.
A BUSINESS PURCHASE DECISIONDon't evaluate
Don't evaluate
purchase finance
by EMI alone.
A purchase-finance decision should consider more than the monthly EMI. Contribution, tenure, total borrowing cost, repayment affordability and the suitability of the financing structure all matter.
A suitable decision should balance the business purchase with the borrower's repayment capacity, cash flow and existing financial commitments.
BE READY FOR ASSESSMENTPurchase-finance
Purchase-finance
readiness.
Documentation varies by lender, business profile and purchase type. Keeping business, financial, supplier and purchase information organised can make the assessment journey easier.
01
Identity, address and business constitution information
02
Business registration and operating details, where applicable
03
Recent banking, financial and existing loan information
04
Quotation, proforma invoice or purchase details, where applicable
05
Details of the proposed asset, equipment or business purchase
06
Additional documents requested under the selected lender and purchase-finance policy
CLEAR EXPECTATIONSGuidance,
Guidance,
not guarantees.
Eligibility, loan amount, rate, tenure, purchase acceptance and approval remain subject to the selected lender's assessment, policy and documentation.
Creditline's role is to help understand the business requirement and complete purchase profile, explore relevant lending possibilities and assist with the journey.
START WITH YOUR BUSINESS PURCHASETell us what you need.