About GE Capital

Why should I do business with GE Capital?

As your growth partner, GE Capital is committed to structuring financial solutions with your needs in mind. We leverage on our long-standing history in the local financing market since 1974, and our strong understanding of local business needs in key sectors to customize solutions that fulfill your business growth needs. With our deep expertise in areas of balance sheet and asset management and our strong understanding of industrial businesses, we deliver solutions that you can use to achieve your business goals. Our global network in more 100 countries connects our clients to strong financing capability platforms to give them the edge in today’s global marketplace.

Financing solutions

Equipment Finance

What types of equipment does GE Capital finance?

Armed with strong knowledge and deep understanding of industrial machinery, GE Capital is able to finance all types of assets from CNC machines to prime movers and crawler cranes. Besides industrial equipment, GE Capital is a strong financier of healthcare and Information Technology equipment.
Wtih our strong expertise in the aircraft industry, GE Capital also offers an expansive portfolio of solutions to companies across the spectrum of the aviation industry, from leasing of regional aircrafts and freighters to financing of jet engines.

How can I use GE Capital’s equipment finance solution to manage my balance sheet more effectively?

GE Capital offers Operating Lease on equipment used in most industries, including Construction, Information Technology, Healthcare and Aerospace. The equipment will not be booked as an asset on the balance sheet. Instead the lease payments are expensed off in the Profit & Loss Statement.
GE Capital offers Operating Lease, with flexible repayment structures. You may choose from several end-of-term options at the end of the lease tenure.

Should I use Operating Lease or Hire Purchase?

With Operating Lease or Hire Purchase, you can make less cash payment upfront when renewing or replacing your equipment. The lease or loan tenure allows you to make repayment over a longer period that what is usually given by the equipment vendor. What you should note is that Operating Lease advocates that it is the use of equipment, rather than ownership of it that generates income.
Thus, if you choose Operating Lease, you will not own the equipment. As a result, the equipment will not be reflected as an asset in your Balance Sheet, instead it will be expensed in your Profit & Loss Statement. However, if ownership of the equipment is important to you or in your trade, a Hire Purchase is more suitable for you.

How are lease payments structured? 

We build considerable flexibility into your repayment arrangements. While most leases provide for regular monthly payments, these payments may be made at intervals that are structured with your needs in mind. In considering the repayment structure and lease tenure, we take into account the type of equipment as well as your repayment requirements.

About Business Receivables Finance

My business is growing and I need additional working capital. What financing solutions can you offer me?

As your business grows, it needs more working capital. Business Receivables Finance provides a ready source of funding, which is linked to your sales volume. Business Receivables Finance is an ideal credit facility for high growth companies whose sales are increasing at a rate faster than which they can fund using retained profits or on assets on the balance sheet.

What types of businesses is suitable for Business Receivables Finance?

Business Receivables Finance is applicable to all types of businesses that does sales on credit terms. The key considerations are the track record of your business in providing quality products or services, having reliable accounting system, a good spread of customers.

What are the benefits of Business Receivables Finance?

You enjoy improvements to your cash flow, reduction in administrative costs and enhancement in Debtors' collections. With Business Receivables Finance, your finance credit limited is not hampered by the amount of assets or collateral that you can pledge. Instead, with increase in your sales revenue, the credit limit of your Business Receivables Finance account can be increased accordingly.

Is Business Receivables Finance a costly form of financing?

No, on the contrary, the costs of not using financing may actually be even greater if it limits your company’s growth. As the Business Receivables Finance service includes value-added administrative support, such as collections and credit administration, you save on related operating costs.

If I sell my goods to overseas customers, can I use Business Receivables Finance?

Yes, we work with partners in more than 60 markets.  The partners would be the point of contact with your customers to collection payment when invoices are due. You can also request for credit insurance on your customers in addition to collection services.