Aged Care Finance - Zenith Finance Cpmpany, Australia

At Zenith Finance, we are progressive, inventive and strive to be good corporate citizens in the area of finance. Through our Seniors Housing and Aged Care Finance division, we blend the best of each.
Call Sam Leon on on 1300 288 874 to discuss financing for aged-care housing.

Australia’s Age of Ageing – 60 is the new 40

It’s no news that Australia’s population is ageing fast. More and more people:

• live longer
• work well into their 70s and 80s
• have children in their second, third and fourth marriages.

Retirement ‘tribes’

Retirement has shifted from a “door closing” to a “door opening” stage of life. Even from the age of 50, people are starting to think about a new quality and quantity of lifestyle when they finally do retire – enjoyed around people they connect with.
This has led to planning and development of ‘lifestyle living’ communities based around entire ‘tribes’ of people. It goes way beyond simple sea-change and tree-change moves.

A huge growth in ‘lifestyle living’ communities

We are now seeing:

• affordable gated communities
• 24-hour concierge service and security.
• pools, tennis courts, coffee shops and outdoor barbecue areas
• silver service dining rooms
• putting and bowling greens
• beauty salons
• fully equipped gymnasiums
• organised activities
• high-speed cable Internet
• adjacent golf course
• function centre
• and much more.

We have seen developments themed like an Italian village – cobblestones in the “ marketplace”, pizzeria, alfresco dining, bubbling brooks and little waterfalls.

Mega campuses heading to Australia

Then there are the mega campuses – yet to appear in Australia, where entire villages of self-care and low-care homes and home units, sit alongside medium-care and into high-care facilities and ultimately a Hospice.
These huge developments will find their way into the Australian way of life within a decade. And they require large and sophisticated financing.

The changing face of aged care

Yesterday’s grim nursing home has given way to today’s modern, airy, high-quality and government compliance-standard legislated, low, medium and high care mature-age living facilities. These projects cater to a growing clientele that are spread across the socio-economic spectrum.

Thousands of new seniors bed licenses

In February 2010, 2,224 new bed licences have just been released in NSW alone. This means between 20 and 30 new seniors housing developments will commence in the next 12 months, mainly in the greater Sydney area.
Across Australia the number is 12,218 new bed licences.
The maximum funding provided by the Australian government towards community assistance with these developments is $150 million. That’ more than most international governments provide, but still way too little for a need that is way too great.

Specialists in Seniors Housing and Aged Care Finance

Our Seniors Housing and Aged Care Finance division provides a unique, specialised and very necessary service.
Headed by Sam Leon, senior consultant in retirement and aged housing finance, our team specialise in the retirement and aged-care housing sectors.

Highly experienced

Sam has studied ageing, aged care housing and both retirement and aged care financing for 10 years. He has been a long serving director of the Whiddon Group (Frank Whiddon Masonic Homes), a consultant to several retirement village developers and a consultant to a specific, market- focused, high care aged property-developer.

Established with funders

Sam knows and is known by all of the major funders in this specialised field. He is familiar with their requirements, documentation, LVRs, valuation requirements and funding preferences. He speaks their language – and equally important, he speaks your language.

Industry representatives

Sam was the opening speaker on day 2 of the Aged Care Association of Australia’s NSW conference in the first quarter of 2010.

Like to discuss your development in confidence?

Sam is available any time should you wish to discuss your proposed or approved development in complete confidence.


Richard Korda
( Managing Director )

Email sam@zenithfinance.com.au
Web http://www.zenithfinance.com.au/
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Truck & Heavy Vehicle Finance - Zenith Finance Cpmpany, Australia

Searching for the right heavy vehicle loan to:

• buy a truck, trailer, bus or other heavy vehicle?
• upgrade to a brand new rig?
• add a number of vehicles to your fleet?

Whether you run a solo business, a medium sized company or a large operation, Zenith Finance can help you with a tailored truck or other heavy vehicle finance package.

Expertise that saves you money

Wherever you are across Australia, call our expert team in Sydney on 1300 288 874 to discuss your heavy vehicle loan needs – or ask for our free Truck Finance Guide.

Trucks and heavy vehicles we can finance for you

We can help you buy or lease:

• prime movers
• rigid trucks
• dump trucks
• flat bed trucks
• mining trucks
• vans
• trailers
• buses
• almost any heavy vehicle on the market.

Contact us today on 1300 288 874 to discuss your heavy vehicle finance needs.

Lower rates and greater benefits

We understand that every business – and every vehicle purchase – is unique. So one of our heavy vehicle finance specialists will meet with you at your workplace to find out what you really need.
From here, they’ll grill the banks and financial institutions to get you the best possible rate in the market. And then explain in straightforward, no jargon language how our different financial plans can give you:

• better tax and GST advantages
• easy to manage cash flow benefits
• flexible payment options

You choose the plan that works for you – and leave all the leg and paper work to us.

Like to discuss your truck and heavy vehicle financing?

Contact us in Sydney on 1300 288 874 or get in touch online today
Learn more about the different vehicle finance packages you can choose from:

• Commercial hire purchase
• Chattel Mortgage
• Finance lease
• Operating lease and rental

Contact Richard on 1300 288 874 if you need some expert help with commercial property finance or equipment finance loans and also you may apply online for any further inquiry Zenith Finance | Finance Company Australia

What is an operating lease and rental? - Medical Equipment Operating Lease

What is an operating lease and rental?
It’s a finance option that works well for medical equipment that depreciates quickly, has a short life span or is constantly in need of upgrading. It’s similar to a finance lease but, gives you more flexibility.
You might have also heard it called a rental agreement, rental, fully maintained operating lease or non maintained operating lease.

How do they work?

We purchase the medical equipment and rent it to you for an agreed payment over a fixed term.
You get to use the equipment without the hassle of disposing of it at the end of its life. It’s like renting your equipment over a fixed period.

What sort of medical equipment do operating leases best suit?

• Computers
• Telecommunications
• Office equipment

 

What are the benefits of operating leases and rentals?

• Upgrade, add and replace – make changes to your equipment throughout the contract
• You keep your capital – no deposit required and we pay 100% for the equipment so you don’t need to tie up your funds
• Less risk – because you don’t fork out a huge payment to buy the equipment
• Short or long term contracts – from 2 to 5 years
• Easy budgeting – fixed rental and interest so you always know what you’re up for
• Tax advantages – 100% deductable when used solely for business
• We pay GST – so you’re monthly payments are lower

 

Like to find out more about an operating lease for your business equipment?

Contact us in Sydney on 1300 288 874 or apply online today
Or learn more about the different medical and dental finance packages you can choose from:

• Medical equipment commercial hire purchase
• Medical equipment chattel mortgage
• Medical equipment finance lease

Get more details & apply online here for need any help Zenith Finance | Finance Company Australia 

Income protection - If you were ill for months or years how could you pay the bills?

More than likely you've heard of income protection insurance. A lot of Australians have, but feel that if they're going to spend money on insurance, they'd rather protect their car, house, life and health.
The trouble with this is that people do get seriously ill and find themselves out of work for months, years, even permanently. Unfortunately, life insurance can't help, and even top level health insurance only covers some of the medical bills in the short-term.

Thousands of Australians risk sliding into poverty

In 2008, the Australian Bureau of Statistics records show 7,624 Australians couldn't work (1) and relied on sickness allowance - if they have a partner, that's just $205.75 each per week (2).

With our cost of living now amongst the highest in the world, this can turn into a nightmare for the 69% of Australians who don't have any personal income protection insurance (3).

With no money coming in, they struggle to put food on the table, cloth the family and pay the basic bills - let alone keep up with the car repayments and average mortgage of $367,000 (4).

Should we protect our biggest asset first?

J-Lo's booty ($300 million), Mariah's legs ($1 billion) and The Boss's voice ($31 million) aside, being able to earn a living is the most valuable asset most of us will ever have. If you make $80,000 per annum now, it means you'll earn more than $2.6 million over the next 20 years (allowing for inflation).

And while there seems to be an insurance to cover just about anything these days - including alien abduction - income protection insurance is a smart and inexpensive way to ensure that you and your family don't have to worry about sliding into poverty if you get sick or injured.

How much does income protection insurance cost?

Here's an example of how cost-effective it is for a healthy, 40yo, non-smoking male working in an office:

• Earning the average wage of $1,248.20 per week (5) 
• Cost $62.47 per month (6)

If he gets sick or injured:

• Insurer pays him 75% of his income, or $1,014.00 per week
• Paid until he is well enough to return to work or age 65.

(The reason the benefit is not 100% is so that there's still an incentive to get well and back into a contributing role in society.)

Ways to pay and tax benefits if buying through an advisor

You can get Income Protection through an industry superannuation fund by purchasing additional units of cover, or via a life insurance adviser.

One of the biggest benefits of buying income protection outside your superannuation, is that it becomes a tax deductible cost , which significantly reduces its impact on your household budget.

Waiting and benefit periods can be adapted to your needs. And premiums can be paid monthly, quarterly or yearly.

The most precious benefit of all

Of course, whichever way you go, the irreplaceable benefit is peace of mind for the rest of your life knowing that if you're unlucky enough to be struck down with illness you and your family can maintain your current lifestyle while you're on the road to recovery. Even months and years after sick leave and health insurance have been exhausted and there's no salary coming in.

Like to find out more about Income Protection?

Here at Zenith, we've recently partnered with MBS Insurance who are Authorised Representatives of Lonsdale Financial Services (ASIC Authorised Representative Number 303212).

Their licensed insurance brokers can help you with:

• expert advice on income protection
• ongoing protection portfolio management support during claims.

If you'd like to find out more, contact us here at Zenith and we'll put you in touch with the best person.

[1]ABS 1301.0 2008 Year Book” Income and community support. Accessed 28 January 2010.

[2] www.centrelink.gov.au accessed 28 January 2010

[3] WWW.Lifewise.org.au TNS/IFSA Investigating Income Protection Insurance in Australia July 2006 accessed 28 Jan 2010

[4] AFGonline.com.au report dated 3/12/09 accessed 5/1/10

[5] ABS 6302.0 Average weekly earnings Australia. August 2009. Accessed 28/1/01

[6] Quote provided by AIA Australia April 2010

Quotation figures as at 23 April 2010 based the following:

Male, aged 40, non-smoker

White collar duties
Income Protection
Indemnity Value
Benefit Period – to age 65
Waiting period – 60 days
Benefit Indexation not included
Claims Escalation not included

Please consult tax and financial professional to obtain appropriate advice

For further details click here : Zenith Finance | Financing For Business

Construction Equipment Finance

Need a loan to buy or lease heavy construction equipment such as earthmovers, excavators and cranes?

When you're business could be investing anywhere from $10,000 to $1 million + for a single machine, you want a finance broker who understands your industry and can offer you much more than low rates alone.

We're experts in construction equipment finance

For many years, Zenith Finance has been designing tailor-made finance packages for businesses buying construction and earthmoving equipment in Sydney and around Australia.

To discuss your own equipment finance needs contact our expert team on 1300 288 874 or apply online today.

Construction equipment we can finance for you

We can help you buy or lease:

• earthmovers
• excavators
• cranes   

 

We move heaven and earth to get you the right deal

Our construction equipment expert will come to your business or work site to learn about your requirements. We'll then negotiate with banks and other lenders on your behalf and a create finance plan options that offer you:

• the best tax and GST advantages
• easy to manage cash flow
• flexible payment options
• and, yes, a low interest rate too.

You choose the one that works best for you and leave all the leg and paper work to us.

Like to discuss financing for your construction equipment?

Contact us in Sydney on 1300 288 874 or apply online today

Or learn more about the different finance packages you can choose from:

• Commercial hire purchase
• Chattel Mortgage
• Finance lease
• Operating lease and rental

- See more at : Zenith Finance | Plant & Equipment Finance

My business page is up! Take a look.

My business page is up! Take a look.

Dental Equipment Finance

Are you a dentist, dental hygienist, orthodontic surgeon or cosmetic dentistry clinic looking for smart options to finance your dental equipment?

At Zenith Finance we specialise in helping dental and orthodontic practices, clinics and centres acquire the equipment you need to successfully start or grow your dental business.

Dental equipment we can help you purchase or lease

Just some of the equipment our financing experts have financed for dental businesses - and can do the same for you - include:

• Air compressors
• Autoclaves
• Dentist chairs
• Dental hygiene systems
• Dental imaging systems
• Dental lights
• Dental milling machines
• Dental technician equipment
• Dental x-ray equipment
• Lasers
• Nitrous-oxide systems
• Orthodontic equipment
• Vacuum pumps
• Dental fitouts, furniture, computers
• and many more.

Why finance your dental equipment?

With a finance, loan or lease package tailored to your needs, you can do things like:

• finance up to 100% of the cost
• avoid making large upfront payments and keep cash for other needs
• arrange repayments to suit your cash flow
• ensure you other business and personal assets are kept secure
• acquire the equipment before it's you've paid for it
• upgrade your dental equipment whenever you need to
• receive 100% tax deductions and GST benefits. 

 Why talk to Zenith Finance about your dental equipment finance?

• Years of dental equipment financing experience
• We source and package best financing option for you 
• We can meet at your office, our office, or over the phone
• Friendly, helpful one-on-one expert service. 

Contact us today

Call us in Sydney on 1300 288 874 to speak with a Zenith Finance medical equipment finance expert.

 Learn about our medical equipment loan options

• Medical equipment commercial hire purchase
• Medical equipment chattel mortgage
• Medical equipment finance lease
• Medical equipment operating lease and rental 

 
- See more at  : Zenith Finance |  Dental Equipment Finance