FINANCE FOR YOUR BUSINESS NEEDS

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1 FINANCE FOR YOUR BUSINESS NEEDS

2

3 FLEXIBLE FINANCE FROM THE ŠKODA SPECIALISTS Choosing a new car is a very personal thing, and we think car finance should be just as personal. We re here to help you create an individually tailored finance option that s perfect for your budget, your lifestyle and your new vehicle. Because no-one understands ŠKODA like we do. Greater convenience We know your time is valuable, so enjoy the convenience of applying for finance on the spot at your ŠKODA dealership. Complete flexibility Enjoy a flexible range of finance options, whether your new ŠKODA is for business or pleasure. Swift and seamless approvals Because we know ŠKODA inside out, we can approve applications faster often on the same day. Superior value With no account keeping fees and competitive rates, you ll be surprised how affordable car finance can be. Personalised solutions From Chattel Mortgages to Finance Leases, we ll help you explore the options and tailor a finance deal just for you. The ŠKODA standard You can be certain of superb value and reliability with a finance solution worthy of your new ŠKODA. Why choose ŠKODA Finance?

4 BOOST YOUR BUSINESS WITH A BRAND NEW ŠKODA

5 Whether you re a sole trader or a larger company, business vehicle finance can make good sense. Our business solutions help you put the latest model ŠKODA vehicles to work sooner, boosting productivity and reducing maintenance downtime. With no need to find cash up front, they re also good news for business cash flow. Once your new vehicles start producing an income, you can pay them off over time from the cash they help to generate. And because your borrowing costs and depreciation may be tax deductible, business vehicle finance can be very tax effective. Why choose ŠKODA Finance?

6 BENEFITS FOR YOUR BUSINESS 100% on-road finance Finance up to 100% of the cost of new business vehicles, including registration, insurance and on-road costs, or pay a deposit for lower repayments (if applicable). Flexible finance for every business Choose from a range of tax-effective finance solutions, including Finance Leases, Chattel Mortgages and Hire Purchases. The term of your choice Structure your payments to suit your cash flow, with the option of paying less upfront (as applicable) and balloon/residual payment at the end of your term. Secured by your new ŠKODA Because your vehicle generally secures your finance, there s no need to tie up other business or personal assets as security. Easy payment options Pay weekly, fortnightly or monthly, by direct debit or BPAY, so you can match your payments to your cash flow cycle. No hidden costs No account keeping fees and a fixed interest rate means you can budget for future finance payments with complete accuracy.

7 Business Finance Options

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9 BUSINESS FINANCE OPTIONS No two businesses are alike, so it only makes sense to tailor your vehicle finance to your unique business situation. We ll help you choose from our wide range of tax-effective finance solutions, including Finance Leases, Chattel Mortgages and Hire Purchases. Then we ll help you tailor your vehicle finance to your business needs to suit your cash flow and your tax position. So you can be confident you ll achieve the best business outcome at a very competitive price. Finance Lease Hire Purchase Chattel Mortgage Deposit Residual/balloon payment at the end of the term Tax deductible repayments Tax deductible depreciation Tax deductible interest GST is payable on the cost of the asset GST is payable on the repayments Business Finance Options

10 TALK TO A BUSINESS FINANCE SPECIALIST Choosing the right business car finance can be complex. There s a lot to think about: whether you would prefer to keep or upgrade your vehicle when the term is finished, how much you d like to pay upfront, as well as the effect on your tax. Even something as simple as accounting for GST on a cash basis can make a big difference to the after-tax cost of your new vehicle. Our Business Managers are specialists in ŠKODA vehicles and specialists in car finance. They re experts at guiding you through the finance maze, helping you to choose the right finance to achieve the best result for your business. Visit your local ŠKODA dealer to speak to a Business Manager today.

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12 Important Information Because we do not know your personal objectives, please consider whether these products are appropriate for your circumstances. Before acting on any of the information in this brochure, please seek independent tax advice. Approved customers only. Subject to credit assessment. Terms and conditions apply. Other fees and charges apply. ŠKODA Finance is a trading name of Volkswagen Financial Services Australia Pty Limited ABN Australian Credit Licence Vehicles and accessories shown may vary from actual specifications and colours available when ordering your vehicle. Printed June 2014 ŠKODA_FINBUS_062014

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