Business cash flow

Improve management of your business cash flow with asset finance.

Many businesses are looking for ways to improve how they manage their cash flow and simplify their accounting.

Asset finance can be an efficient way to manage your cash flow by either leasing or borrowing to fund vehicles and other equipment, including the latest technology. Preserving your capital through a lease or a commercial loan can provide you with the money and the hardware needed to expand your business.

Regular payments

Regular, fixed payments on a lease or a loan can help your business iron out cash flow into a smooth and predictable stream. Your accounting can also be made easier when reporting expenses and you don’t have to keep large amounts of capital aside for equipment.

Depending on your requirements, the equipment you can finance with regular fixed payments includes:

• passenger cars
• light and heavy commercial vehicles
• plant and machinery
• earthmoving and construction equipment
• computer technology

Payment method

If you are a sole trader or owner of a small to medium sized business, you are likely to consider both your operating costs and asset finance options from time to time. When reviewing your choices, you may also want to consider the way you can make the regular fixed payments on a lease or a loan.

With HIA Vehicles, powered by Macquarie, your business can now make repayments on selected business arrangements using an American Express® card. The HIA Vehicles arrangement with American Express allows you to make equipment or vehicle monthly repayments. Not only does making your finance payments via your American Express card provide easier management of your accounts and extended cash flow benefits, you could also receive points under your card’s rewards program1.

Using your American Express card can help simplify your business’s accounting through a single point to monitor and report your expenditure. When you pay off your card in full by the statement date, you can also avoid additional interest charges1.

Contact the asset finance specialists at HIA Vehicles, powered by Macquarie, on 1300 650 776, or contact account manager Tom Mountjoy on 0427 719 139, to find out how asset finance could help your business.


Vehicle and asset finance, sourcing and other services are provided by Macquarie Leasing Pty Ltd ABN 38 002 674 982 (Australian Credit Licence 394925) (Macquarie Leasing). HIA Vehicles is a registered trading name and business name of Housing Industry Association Limited ACN 004 631 752, and Macquarie Leasing is licensed to use such name and other trademarks.

HIA Vehicles have no influence on Macquarie Leasing’s lending decisions and vehicle sourcing is independent of any application for credit. No part of this document is to be construed as an offer by anyone capable of acceptance or as a solicitation to obtain a financial product. The information is not an expression of opinion or recommendation and does not constitute financial, accounting, taxation, general or personal advice and should not be relied upon as such. Before acting on any information on this website, you should consider the appropriateness of it having regard to your particular objectives, financial situation and needs and seek advice. All applications are subject to the satisfaction of approval criteria. Terms, conditions, fees and charges apply.

Macquarie Leasing is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth), and the obligations of Macquarie Leasing do not represent deposits with or other liabilities of Macquarie Bank Limited. Macquarie Bank Limited does not guarantee or otherwise provide assurance in respect of any of the obligations of Macquarie Leasing. © Macquarie Group

1 Payments via American Express only available on new commercial finance contracts obtained directly through Macquarie Leasing. Credit Card Rewards Program conditions apply, enrolment is required and an annual fee may apply, refer to your Card issuer for further details.

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