Hubspot Entry

Name of Trust:

Trust ABN:

Trustee Company Name:

Trustee Company ACN:

Trading Name (if applicable):

Within the same business day one of the team will be in contact with your client to start the finance process.

Simply click here to watch a walk-through of how to use our Vendor Portal

People don’t buy ‘what you do’ they buy ‘why you do it’ – Simon Sinek

What – What you do. Transactional.

How you do it. What makes you special.

Why you do it. Why is the purpose, cause or belief.

Information/rationale/conscious thought/the 5% of action. The WHAT – Neo cortex

Gut decisions/Trust/the 95% subconscious. The HOW & WHY – Limbic brain

Work own reasoning/narrative behind every conversation, use it.

Inspire Action in every aspect of life.

A type of loan where you own the vehicle and the bank has security over it for the term of the loan. On a chattel mortgage, the client claims the GST as a lump sum at the start of the contract.

A type of loan where the bank owns the vehicle and you hire/lease it from the bank. On a lease, the client can claim GST on every individual payment.

Similar to a finance lease, novated lease is for employed customers who receive a PAYG salary. The payments are taken out of the company’s bank account and the company deducts it from the employee’s pre-tax income. The company must also sign the novation documents from the lender.

Finance to bring stock in/pay creditors. Trade finance gives customers cash flow relief from bringing stock in, to them being paid. The lenders charge interest based upon the balance owing.

Any kind of finance for equipment. This can include industrial, office or other types of equipment. The finance is structured similar to car finance.

Any finance where funds are paid directly to the customer’s bank account. This could be through an unsecured source such as Get Capital, or a secured term loan through one of the main banks.

Mortgage is a security over a property where a customer pays back a debt to the lender. A second mortgage is where another lender sits behind the first mortgagee (lender) and takes security over the property to pay the debt back to the lender. However, the second mortgagee can only have access to equity in the property once the first lender’s debt has been repaid.

Proof that another party has an interest in the property, usually because they are owed money by the owner of the property. A property with a caveat on it cannot be sold until the caveat has been removed.

Finance to bring in money from people who owe you.

When the terms of an existing loan are revised and a new one put in place.

A schedule that breaks down payments into interest and principal over the term of the loan. These do not show an accurate amount owing (as a payout does) but are used by accountants. They should be requested after settlement and sent out in the settlement pack. See Amortisation Schedules on the Learning Hub for more.

A detailed table of an individual/Director’s owned assets and debt owing. These are usually required by lenders at the credit stage. See LINK HERE or the PDF in MG Documents for a template.

A lump sum of money taken out of the total loan cost that is payable at the end of the loan term. These are used to It can then be paid in one transaction, refinanced into a new loan or factored into an upgrade.

How much an asset decreases in value over time.

This is the total rate that the client will pay inclusive of all fees and charges.

Equity represents the value that would be returned to someone if the asset was sold. Negative equity refers to if it was sold, there would be a gap between what is owed to the lender and the sale price.

Most banks charge this in addition to their interest rate. This is taken out of the client’s account with the first repayment at the time of settlement unless chosen to finance it in with the loan.

This is the rate charged by the bank. This is not inclusive of any broker interest or fees.

The ratio of loan to the value of the asset. It is calculated by dividing the value of the asset by the loan amount.

The total amount owing on a loan not including interest and fees.

Most dealerships will accept a deposit OR a Purchase Order to lock in a new vehicle. The client (companies only) often has a template and can provide one of these to the supplier.

A certificate that shows ownership of a land/property. These are often required for Settlement. For how to order one of these, see Title Search on the Learning Hub.

A payout can be requested by the introducing broker at any point during a loan to give an accurate figure for how much it will cost to pay out the loan. When upgrading with the same funder, preferential payouts can be requested which are discounted. TO see how to request these, see Payout Requests in the Learning Hub.

These are usually requested by clients when organising a mortgage. They show the client’s repayment history. For how to request one, see Statement of Accounts in the Learning Hub.

A document entailing details of the Trust. Any changes made to the Trust structure will be detailed on a Trust Amendment. Trust Deeds (and amendments where relevant) are usually required by the funder at settlement if the client is new to that funder.

Usually referring to a property, this is when the property has no mortgage or claims attached to it and it is owned outright.

A way of assessing the value of an asset. Some funders require these to be done by external companies such as Pickles.

Once we have discussed your position and purpose for the finance, we will be able to work out the best type of loan/lease to best suit you.

A balloon or residual is a lump sum amount that is held until the end of the contract to bring down your monthly repayments. Once you reach the end of the contract, you can simply refinance the rest, pay it out or talk to us about getting into a new car.

Simple, we will be able to match you with the best lender for your situation once we have discussed your needs.

The Chattel Mortgage allows the customer to own the equipment with $0 residual at the end of the term. All Chattel Mortgage repayments include the GST component and in most cases allows the customer to claim the GST component in addition to interest and depreciation on the asset. The debt will be included as a liability on the Balance Sheet.

The Operating Lease allows a business to keep their technology up to date without the need for ownership. This decreases the chance of equipment becoming obsolete as companies can replace/update their equipment more often. In most cases the repayments are fully tax deductible. At the end of term assets are commonly replaced with the lease rolling over for another term.

The best for your client. Our Automated AI Technology matches your client's requirements to the most relevant funder

No, they are indiciative and depend on the strength of the client. However, the Matias Group will ensure the best possible product is obtained for the your client

No problem! When we call your client we will discuss the best contract structure to suit their situation.

For Chattel Mortgages:

60 months: 30%

48 months: 40%

36 months: 50%

For Novated Leases:

60 months: 28.13%

48 months: 37.5%

36 months: 46.88%

Your funder won’t send these out routinely, however, we can request one for you. Simply email hello@matiasgroup.com.au requesting a Statement of Accounts and we will have one sent over to you.

To get an accurate payout, email one of our team and we will get one from your funder.

Easy, just Email your new bank details to one of our team, we will be happy to get this changed over for you.

Yes! Email the team at Hello@matiasgroup.com.au and we will arrange a time to talk with you to work out the best way to get you into your new upgrade!

Your portal will be www.matiasgroup.com.au/Your-Business-Name

For example Matias Group will be: www.matiasgroup.com.au/matias-group

Simply email toby@matiasgroup.com.au for any support questions.