Finance tool
Weigh up the smarter move.
Two decisions every business faces, one tool. Compare leasing your premises against buying them, or financing an asset against paying cash — and see which actually leaves you better off before you commit.
Indicative only — excludes tax, depreciation, capital growth and running costs. Worth exploring with a broker (and your accountant).
DeMarque Group Pty Ltd trading as DeMarque Finance. Results are indicative only and do not constitute financial, tax or credit advice. DeMarque Finance is authorised Credit Representative 522568 under Australian Credit Licence 384704. Phone 1300 108 751.
Lease vs buy your premises
Renting keeps cash free and stays flexible, but every payment is gone for good. Buying usually costs more per month once you factor in the loan, yet each repayment builds equity in an asset you'll own outright at the end — and shields you from rent rises. The tool lines the monthly figures up side by side so the trade-off is clear. It deliberately leaves out rates, maintenance, tax treatment and capital growth, which all matter and are exactly what a broker and your accountant help you weigh.
Finance vs pay cash
Paying cash avoids interest, but it also ties up capital that could be earning elsewhere in the business. Financing costs interest, but keeps that cash working — and if it earns more than the finance costs, financing comes out ahead. The tool nets the interest cost against the potential return on the cash you keep, so you can see which side wins at your assumed rate of return. Depreciation and tax often tilt this further toward financing for businesses — worth confirming with your accountant.
Your move
Make the call with confidence.
Run the numbers, then let a DeMarque broker structure the finance that makes the smarter move stack up. Indicative outcome in under 90 seconds.
Check your eligibility →