Yes. In most if not all requests we receive for equipment financing, businesses are seeking a loan for the full purchase price of the equipment. This is also referred to as no deposit finance as the lender does not request that the buyer pay a deposit. Finance is sourced based on the full purchase price and in some cases plus costs involved with the delivery and installation of the equipment. By including 100% of the purchase price, business owners can conserve existing cash reserves and maximise the tax benefits derived from the finance product. By utilising the balloon or residual element of the loan, businesses can reduce the monthly repayments to a level that works with their cash flow. Effectively paying any deposit at the conclusion of the loan term rather than utilising cash for a deposit upfront. In some cases of special application categories such as bad credit loans and no docs low docs loans, a lender may request that the applicant reduce the overall total of the loan.