Payment Solutions

Rental/Operating Lease
Finance Lease
Software & Services Agreement
Print Services
Fleet Advantage
Chattel Mortgage
Other

Rental/Operating Lease

A Rental (or Operating Lease) is an agreement between you and 3E, which allows you the use of a particular asset for a pre-agreed term without the risks of being locked into ownership.
You have no upfront outlay and a 3E Rental can allow you to include software, implementation, training, service, extended warranties and maintenance of the asset within the Rental Agreement.

 

Ownership

The asset is owned by the finance company throughout the term of the contract.

 

Residual Values

3E are able to incorporate very compelling Residual Values into our Rental offering.
There is no liability or obligation regarding the Residual Values for your business as all liability for any Residual Value resides with 3E.

 

Flexibility

Rental provides you with excellent flexibility around what you do with the respective assets either during, or at the end of, the term.

3Es Rental Agreement allows you to upgrade your assets at any time during the term of the agreement, helping you ensure you stay up to date with the latest technology though our simple ‘Evolution’ process.
One of the many benefits of the 3E Rental Agreement is that it minimises the risk of you being left with redundant technology, which is too expensive to replace.
You can make payments to us on a monthly, quarterly, half-yearly or annual basis and if your business is seasonal, we also have the ability to structure payments to exactly match the cashflow of your business.

 

Transparency

At the end of term you have three options

  1. hand the asset back to 3E with no further obligation,
  2. make us an offer to purchase the asset,
  3. continue renting the asset for a further period of time.

 

Tax treatment

GST is payable with each repayment during the term of the agreement.
Operating Leases are tax deductible, provided the asset is for business use.

Finance Lease

A Finance Lease is an agreement between you and 3E which allows you the use of a particular asset, in return for which you make repayments to 3E over a pre-agreed term.
The lease is normally taken over a term which covers the majority of the assets ‘working life’.

 

Ownership

The asset is owned by the finance company during the initial term of the contract.

 

Residual Values

There is typically a residual (or balloon) amount payable at the end of the term, however unlike a Rental Agreement where you have no Residual Value liability, with a Finance Lease you guarantee the Residual Value to the finance company.

The residual/balloon amount should be set using ATO (Australian Tax Office) asset guidelines.

 

Flexibility

You have no upfront outlay and a 3E Finance Lease can allow you to include software, implementation, training, service, extended warranties and maintenance of the asset within the Finance Lease Agreement.

You can make payments to us on a monthly, quarterly, half-yearly or annual basis and if your business is seasonal, we also have the ability to structure payments to exactly match the cashflow of your business.

 

Transparency

Payments and residual/balloon amounts are fixed from the outset of the agreement giving you cashflow certainty – you know exactly what you are going to pay throughout the term of your Finance Lease.

 

Tax treatment

GST is payable with each repayment during the term of the agreement.
Finance Lease payments are tax deductible, provided the asset is for business use.

Software and Services Agreement

Traditional lenders have always shied away from 100% software finance. However, here at 3E we have bucked that trend.

We appreciate the business critical nature of software (and associated services) in today’s business world and as such we have introduced the 3E Software and Services Agreement, which will provide you with the optimal payment solution when you are acquiring software.

 

Ownership

At the outset of the agreement 3E take a security interest (or ‘charge’) over the software.
The charge is released at the end of the agreement’s term assuming all payments have been made.

 

Flexibility

With 3Es Software and Services Agreement, you can avoid that initial cash outlay typically required of software implementations.

Software solutions, licenses, installation, training, consultancy and service costs from a variety of suppliers can be combined into one finance agreement and payment. As a result, the 3E solution helps you to spread the cost over the life of your investments.

You can make payments to us on a monthly, quarterly, half-yearly or annual basis and if your business is seasonal, we also have the ability to structure payments to exactly match the cashflow of your business.

 

Transparency

Payments are fixed from the outset of the agreement giving you cashflow certainty – you know exactly what you are going to pay throughout the term of your Software and Services Agreement.
There are no additional fees assuming you make all your payments on time.

 

Tax treatment

The GST component of the solution can be included in the total amount financed. You also have the option to pay the GST up front and finance the net amount.

Assuming you are GST registered, the GST may be claimed as an ITC (Input Tax Credit) on your next BAS (Business Activity Statement).

In most cases the interest component and depreciation are tax deductible.

Print Services

One of the most innovative volume based agreements available in the market today, 3Es Print Services Agreement is designed specifically for (although not limited to) the Print industry.
If it can be measured, then this could be the option for you.

 

Ownership

The assets are owned by the finance company throughout the term of the contract.

 

Residual Values

3E are able to incorporate very compelling Residual Values into our Rental offering.
There is no liability or obligation regarding the Residual Values for your business as all liability for any Residual Value resides with 3E.

 

Flexibility

Print Services is a volume-based agreement, which incorporates our unique client and partner friendly billing and all the flexibility you require to ensure you exceed your expectations.
With multiple options that others simply cannot match, 3Es Print Services Agreement will give you the point of differentiation you have been looking for.

 

Transparency

You will have complete visibility to each and every asset, which is covered by our Print Services Agreement, and assets can be removed, or added, at any time during the agreement through our ‘Evolution’ process.

3E provides you with regular reporting on your fleet throughout the agreement in order that you have ultimate control over all of your assets.

 

GST treatment

GST is payable with each repayment during the term of the agreement.
Print Services payments are tax deductible, provided the asset is for business use.

Call us today to book your free 15-minute introduction to our unique Print Services product

Fleet Advantage

Whether you are a Managed Print Services supplier or a Managed Services supplier, 3Es Fleet Advantage could be the product that you have been waiting for.
Fleet Advantage is a solution designed specifically for those larger fleets.

 

Ownership

The assets are owned by the finance company throughout the term of the contract.

 

Residual Values

3E are able to incorporate very compelling Residual Values into our Rental offering.
There is no liability or obligation regarding the Residual Values for your business as all liability for any Residual Value resides with 3E.

 

Flexibility

3E’s Fleet Advantage solution provides you with the flexibility you require with a simple, no hassle process.

Manage the ‘ins and outs’ of an evolving fleet and the transition to 3Es Fleet Advantage is really smooth for you as all changes are handled simply through our ‘Evolution’ process
Volume based print devices, fixed Rental IT solutions, 100% software – the possibilities are endless with Fleet Advantage.

 

Transparency

You will have complete visibility to each and every asset, which is covered by our Fleet Advantage Agreement, and assets can be removed or added at any time during the agreement through the 3E ‘Evolution’ process.

3E provides you with regular reporting on your fleet throughout the agreement in order that you have ultimate control over all of your assets.

 

GST treatment

GST is payable with each repayment during the term of the agreement.
Fleet Advantage payments are tax deductible, provided the asset is for business use.

Call us today to book your free 15-minute introduction to our unique Fleet Advantage product

Chattel Mortgage

A product which is normally utilised when you are acquiring motor vehicles, either wholly or predominantly for business use.

 

Ownership

You own the vehicle at the outset of the agreement and the finance company takes a mortgage (or ‘charge’) over the vehicle.
The charge is released at the end of the agreement’s term assuming all payments have been made.

 

Residual Values

Generally, Chattel Mortgages amortize to zero at the end of term, however 3E can structure our agreements to include a residual (or balloon) payment at the end of the term, should you wish.

 

Flexibility

You have the option to pay an up-front deposit and 3E can also offer a wide range of residual values depending on the type and age of the vehicle, both of which can make the monthly payment more attractive for you.

You can make payments to us on a monthly, quarterly, half-yearly or annual basis and if your business is seasonal, we also have the ability to structure payments to exactly match the cashflow of your business.

 

Transparency

Payments are fixed from the outset of the agreement giving you cashflow certainty – you know exactly what you are going to pay throughout the term of Chattel Mortgage.

 

Tax treatment

GST is payable on the purchase of the vehicle and assuming you are GST registered, the GST may be claimed as an ITC (Input Tax Credit) on your next BAS (Business Activity Statement).

In most cases the interest component of the agreement and depreciation on the vehicle are tax deductible.

Other Products

3E also provides products which are designed exclusively for a number of specialist sectors, including manufacturing, technology, transportation, renewable energy, agriculture, aviation, marine, healthcare and many more.

Contact us today to enquire about the other products we can provide to best suit your specific circumstances

Disclaimer – This information is a high-level overview and not intended as advice. Each finance product will be subject to the particular terms and conditions of the agreement you sign. As always, you should seek advice from your accountant as to how this may apply to your particular circumstances.