Rockliff Finance: Securing Asset Finance for a 2024 Toyota HiAce

Client Background

Rockliff Finance was approached by a repeat client, a trade business, seeking asset finance for a 2024 Toyota HiAce from a dealership. Having successfully financed multiple vehicles for this client in the past, our streamlined process ensured a smooth transaction from start to finish.

The Challenge

The client required rapid financing to acquire the vehicle, with the goal of minimising downtime and integrating it into their fleet promptly. The dealership provided the invoice, and our task was to secure the most competitive finance deal based on the client’s financial profile and business needs.

Key Factors Evaluated

To identify the optimal lender and terms, we assessed the following critical factors:

• Director’s Property Backing: Confirmed to strengthen the application.
• ABN and GST Registration Duration: Long-established, enhancing eligibility.
• Purchase Price: Evaluated to ensure alignment with market rates.
• Sale Type: Dealership sale, simplifying documentation.
• Deposit Contribution: Client opted to finance the full amount.
• Loan Term: Structured to balance affordability and term length.
• Balloon/Residual Payment: Considered to optimise cash flow.
• Credit Score and Repayment History: Strong, supporting favourable terms.

These factors enabled us to target lenders offering the best rates and conditions for the client’s profile.

The Solution

With all documentation in place, Rockliff Finance leveraged our extensive lender network to secure a tailored finance package. Our team negotiated competitive terms, ensuring cost-effectiveness and flexibility for the client. The entire process – from invoice receipt to settlement – was completed within one week, allowing the client to take delivery of the vehicle without delay.

The Process

Our established relationship with the client simplified the workflow. The dealership sent the invoice directly to our team, and we handled all lender communications, documentation, and approvals. Digital signatures facilitated quick and secure paperwork completion, minimising administrative burden for the client.

Client Outcome

The client expressed high satisfaction with the speed, transparency, and ease of the process. The finance solution met their operational needs, enabling seamless integration of the new vehicle into their fleet.

Client Feedback

“Tom from Rockliff Finance has sourced finance for several fleet vehicles for our trade business, and every single time the process has been seamless. Tom’s competitive rates, attention to detail, and clear communication made securing finance stress-free from start to finish. He kept us updated every step of the way, was always quick to respond, and went above and beyond. All paperwork was easy to sign and return by phone, making it a quick and efficient process. We strongly recommend Rockliff Finance to anyone!”
– Client, Google Review

Conclusion

This case demonstrates Rockliff Finance’s ability to deliver fast, customised asset finance solutions. By thoroughly assessing key financial factors and leveraging our expertise, we secured an optimal deal that supported the client’s business objectives. For businesses seeking efficient and reliable equipment finance, Rockliff Finance offers a proven, client-focused approach.