About Daniel
Daniel writes Your Finance Guide's vehicle and equipment finance content. His background is commercial lending, chattel mortgages, novated leases, hire-purchase structures, and the tax-and-FBT interplay that small business owners and PAYG salary-packagers actually have to understand.
He spent eight years on the broker side arranging asset finance for tradies, transport operators, healthcare practices, and hospitality businesses, which gives his guides a grounded sense of which structures work in practice, not just on paper.
His goal in every guide is to translate the moving parts (residual risk, GST timing, novation mechanics, FBT exemption thresholds) into worked examples that a borrower can act on, or take to their accountant with confidence.