Do you deal in construction machinery, agricultural and forestry equipment or commercial vehicles? Then why not keep the credit line from your bank for emergencies and build up some equity as a safeguard against risk?
Our dealer stock financing gives you independence from manufacturers and suppliers. You get the opportunity to offer your customers attractive rental solutions – without being tied to fixed contracts. We finance rental equipment, demonstration models and warehouse stock. Even used machinery is suitable for financing. You use your variable credit facility as you need to, which gives you more flexibility.
We offer various repayment models, including the winter break (seasonal repayment break). If needed, you can repay the financing at any time – with no added charges, such as compensation for reinvestment losses or early redemption penalties. And when you redeem individual loans – by selling machinery, for instance – you can use the credit line you get from us to purchase new assets straight away.
We hold each asset on a separate account to give you optimal transparency. You receive a separate statement for every individual loan within the credit facility and a monthly overview showing the capital repayment and interest due.
With HEF-Online, you have a clear overview of all portfolio data at all times and can arrange for the delivery of vehicle documents online. We keep the ownership documents in safe custody. All you need is an Internet connection to enable the data to be updated continuously.
That makes everything fully transparent and enables you to allocate your costs precisely. And by the way: interest is calculated on a daily basis for every single loan.
The total financing facility must be for at least 250,000 euros; our interest rates depend on your credit score and the total volume of dealer stock financing. Title to the assets we finance is normally assigned to us as collateral.