Zenith Finance Testimonials

What Zenith finance clients say

At Zenith Finance we aim to provide every client with the smartest financing option for their business equipment, vehicle and property needs.

It’s about removing the confusion and frustration with friendly and professional help every step of the way. Not to mention, some very attractive numbers.

Here’s what just a few of our valued clients have to say:

“Hi Yolanda & David,
Thank you very much for all your assistance in this process. I recognise its been a rather messy and possibly painful transaction, and we appreciate your efforts in bringing us to settlement.
I look forward to being in touch again in the future for assistance in our financing requirements.
Thanks again…”

Andrew Hide, Exposure Productions NT
“Dear Richard, Yolanda and David,
I’ve just made my final payout to Westpac for my Audi A3.
I wanted to thank you all for the excellent service and respectful communications and highly professional negotiations – even for my small finance payout, treated by you with care and respect.
Hoping to finance my future goods with Zenith.
Kind Regards,
Paul”

“Markitforce have been dealing with Zenith for well over seven years and throughout that time have always been extremely happy with the service and advice that Zenith have provided us. The one on one customer service that you get from Zenith is unbeatable.

Markitforce go to Zenith whenever we require new finance. As a fast growing company we rely on a finance broker that can assist us with a wide range of needs. We have always found the finance process to be smooth and extremely quick when the team at Zenith are involved. Markitforce are very happy to recommend Zenith to anyone looking to utilise their services.”

Sarah Rigby, Accountant
“Proactive, reactive and top quality personalised service. This is one company that does not sit back and wait for things to happen, They stand up and MAKE THINGS HAPPEN!

After contacting Zenith and expressing my interest to purchase my first home, I met with David Louie. I explained to David that I knew absolutely nothing about the process for purchasing a home and asked him to walk me through everything. I was treated like an individual and the most important thing was that I was not treated like an idiot. During the process of applying for the home loan, I was constantly kept up to date on what was happening and Zenith definitely went further than the extra mile to ensure that deadlines were met on time, and if they realised that this was not possible, I was told well in advance so that I could get extensions.”

Rob Moss, Executive Assistant
“Simon Says Television Pty Ltd (SSTV) is happy to endorse Zenith Finance, SSTV has been a client of Zenith since the late 90s when our first finance was arranged through Richard, and SSTV is still getting Zenith to provide finance for the company. Our most recent dealings with Zenith has taken place over the past month when we upgraded our equipment, the finance was finalised within an extremely short timeframe, David Louie, Finance Manager for Zenith worked quickly and professionally to ensure that we were able to secure this cutting edge equipment before a dramatic price increase occurred.
 
The reason I use Zenith is that I have experienced considerable frustration when dealing directly with lending institutions, Zenith save me time and money and manage the whole process with a minimal amount of disruption to my busy schedule.

What I like about Zenith is that they sort things out and make sure that you, the client, get what you need with the least amount of hassle.”

Simon Manzie, Director
“Richard, I have dealt with you and your company now for nearly 20 years, and I guess now many hundreds of forklift trucks later that you have arranged finance for through Nomad Materials Handling Pty Ltd, Pacific Rentals Pty Ltd and now for Odn Asia Pacific Pty Ltd.

Your attention to detail and your promptness in service confirms that our decision to select your company to supply our financial advice and services to us and our customers has been one of our smartest business decisions.

You have taken the time to understand the forklift truck hire and sales industry and treated us and our customer’s confidential information in a high professional manner. Many of our customers have confirmed this to us also when they have had dealings with your company from the one forklift truck owner to the multi-national company users.”
Bob Maxwell, Director

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If your enterprise runs into some difficult times it can be easy to fall behind on bills. When that happens creditors may start calling every day asking where their money is. But do not panic. Instead, face facts, brace yourself and prepare for…

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The Art of Pitching.
All of us will at some time need to pitch – for money from a lender, for attracting an investor or for selling your business...

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Need help you with business equipment finance or property loans? Talk to the Zenith team experts on 1300 288 874 or enquire below.

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 

Is your business at the risk of "destruction"?

Is your industry experiencing long term downtrend which could suddenly turn into a destructive whirlwind? Look at print media as a cautionary tale 

What do the following names have in common? –Larry Page, Segei Brin, Mark Zuckerberg; Reid Hoffman? They are successful digital media entrepreneurs – the first two as founders of Google, the second a co founder of Facebook and the third, the founder of LinkedIn. They are kingpins in their respective digital and social medic space and they are the new ‘establishment’ of corporate America. There’s a not so subtle lesson for all business owners here: they were all still at school 15 years ago.

The point being that some industries are being destroyed ‘as we speak’.  In the world of media and publishing old business models are not being eroded they’re being destroyed. The Sydney Morning Herald and the venerable The Age have seen their newsprint papers suffer 18 percent declines (in sales) in just 12 months (to end December). That probably means about a 25% decline in top line revenues. Few business models could sustain that kind of decline. The rules are being re-written in real time.

Old business models

There are manifold effects of the destruction of old business models – apart from the obvious ‘losses”. In media, the convergence of technologies and media has led to an explosion of start-ups because first of all it is much easier to start a business today online than ever before and second because convergence itself is creating opportunities which even a year or two or go were not even on the radar. And speed of convergence shows no sign of letting up any time soon. Indeed recent data suggest that Australian broadband users will see bandwidth and speeds multiply 10-fold or more over the next few years, once again booting up convergence of technology and media.

This would resonate for experts like Clayton Christensen who have written scholarly works on why innovation often catches old-technology industries off-guard.

Christensen literally wrote the book on disruption, so it’s worth paying attention to him when he talks about where the disruption fuelled by the web is going to strike next. The Harvard business professor and author of The Innovator’s Dilemma notes that some industries that are “either in a state of disruptive crisis or will be soon,” and the professor has said also that “Journalism, certainly, and publishing broadly. Anything supported by advertising. That all of this is being disrupted is now beyond question.” What are the clues that precede “destruction”:

• Creative destruction occurs when something new kills something older
• Some industries will take longer but most will be affected by the web

Print media is one category but personal computers are another great example. The industry, led by Microsoft and Intel, destroyed many mainframe computer companies, but in doing so, entrepreneurs created one of the most important inventions of this century.   

Christensen goes on to describe what has happened to the newspaper and traditional media business; where he has said that many newspapers were lulled into a false sense of security and then “very quickly, all of a sudden, you go off the cliff.”

Business decision makers should pinch themselves every day to ensure they remain awake to technological shifts and their potential impacts on their industry.

See More: http://www.zenithfinance.com.au/zenith-finance-blog/is_your_business_at_the_risk_of_destruction

Story - A basic understanding of finance

Medical practitioners, health professional and allied health workers do not need to go to business school to run a successful practice but they do need some basic understating of finance. They do not teach business in medical school. When doctors go into private practice, they learn about profits and losses on the job, in a complex industry that is subject to large-scale forces beyond the control of most individuals.

The biggest potential cost savings are on personnel.  “Personnel are clearly the biggest place you can save,” said one doctor. This particular doctor had half a dozen medical practitioners on staff and cut his support staff in half, to six support staff, by cross-training employees and working more efficiently. The practice invests in continuous training.

It seems the days of having multiple medical assistants help you with every task are over.

In some practices today, the doctors do the mundane stuff of reminders for appointments  after they are done with their technical duties. This can involve the phoning of patients with reminders or to set up appointments. This also pays off when a staff member calls in sick or takes vacation.  The business thus avoids the need to hire a temp to be a medical assistant or secretary. With training, a practice can just take one of the support staff and slide them into a different position. Everyone in the office has a list of things to do if they’re not busy doing their primary job.

One method that business owners apply when cash flow is tight is to stretch the fixed costs across more doctors or expanded office hours. Practices with multiple doctors enjoy efficiencies that solo practitioners cannot obtain, as well as greater power in negotiating discounts with insurance companies, paper suppliers, vaccine suppliers and even credit card processors.  More practice hours spreads the costs and increases the net contribution per doctor

While the jury is still out on e-records, effective information technology systems can also save doctors valuable hours in prescribing, note-taking and communicating with staff or patients. With work-flow improvement, it gives more time for an extra patient or two in the day.

Financing of equipment remains a key area for savings. A poorly structured purchase can be more costly than it should. One doctor – Peter - purchased a new surgery in Chatswood for $495,000. It was a strata property. He then needed to do a new fitout. In order to finance this he secured a purpose-structured deal. The finance firm, Zenith financed the fitout at a cost of $125,000; financed through a commercial loan facility. The fit out which included walls, examination tables, sterilization units. This was done on a chattel mortgage agreement.

As people costs will remain high, the ability to finance equipment and fit out with innovative and economic solutions remains critical. Training however offers costs savings as it does in any small business. Training new staff on the practice’s procedures, including emphasis on first appointments to establish trust and lay the groundwork for a long-term relationship with patients is vital. One doctor noted “The more hand-holding you do, the more retention you get.”  Staff turnover for a medical practice should be a controllable expense just as capital expenditure is.

- See more at : Zenith Finance