Compare Plant, Machinery, Equipment Finance Interest Rates – JADE

Better finance.
Better loans.

Trusted by over 50,000 Australians

  • No impact on credit score
  • Low rate equipment finance
Our Car Finance Partners Our Car Finance Partners
Google excellent rating
Katherine Gundry
Katherine Gundry
9 December 2024
Trustindex verifies that the original source of the review is Google.
Great customer service. Brenton was amazing to deal with, very efficient, polite and responded promptly. Communication was excellent and couldn't recommend Jade Finance any more highly. Thanks Brenton for the great outcome!
Steve
Steve
7 December 2024
Trustindex verifies that the original source of the review is Google.
Jack from Jade was a very responsive and communicated really well. Jade Finance made the process really seemless.
Mick Edwards
Mick Edwards
6 December 2024
Trustindex verifies that the original source of the review is Google.
James was a very proactive communicator and the whole process with these guys was easy. Highly recommended
Leon
Leon
4 December 2024
Trustindex verifies that the original source of the review is Google.
Chase was professional and superb. Great service and understanding
kane mumford
kane mumford
1 December 2024
Trustindex verifies that the original source of the review is Google.
Aaron was awesome to deal with, got it done. Recommend these guys.
Shelly Martin
Shelly Martin
1 December 2024
Trustindex verifies that the original source of the review is Google.
Josh from Jade Finance has been brilliant to deal with, making the purchase of our dream van a fantastic experience. From our initial conversation Josh was polite and professional. He’s communication was always clear and he took the time to explain next steps. Thank you Josh we wouldn’t hesitate to recommend you and Jade finance. Shelly & Gavin
Adam Hassett
Adam Hassett
30 November 2024
Trustindex verifies that the original source of the review is Google.
Easy process, great company to deal with , they did all the leg work and made it really easy and issue free, Luke and all the people at jade were great, and can't recommend them.highly enough, Thank you for all your great work Ads
Garry wilson
Garry wilson
30 November 2024
Trustindex verifies that the original source of the review is Google.
Scott at Jade Finance is a pleasure to do business with. Very Professional, Simple and easy process. Very Happy Customer.
Tarsha Froude
Tarsha Froude
24 November 2024
Trustindex verifies that the original source of the review is Google.
Dave at Jade Finance made the process really easy. Excellent communication every step of the way. Highly recommend Jade Finance!
https://compare.jadeequipmentfinance.com.au/wp-content/uploads/compare-equipment-finance-rates.jpg

Save Time to Source Cost-effective Equipment Finance Rates

Investments in new equipment and upgrading plant and machinery are major business moves for the majority of operators. The decision-making process involves consideration of many aspects of the business and the economic conditions as well as the affordability and availability of finance options. Despite the many considerations, interest rates can tend to be the ‘make or break’ factor to proceeding with the asset acquisition. The time involved to source quotes to compare rates alone can be prohibitive.

Jade makes the process of comparing rates and sourcing the most affordable, workable and cost-effective finance solutions, streamlined, simple and time saving. Covering off on a large number of commercial finance lenders including the major banks and the highly competitive but often difficult to access, specialist equipment finance non-bank lenders.

Our services extend well beyond simply comparing rates. We negotiate on behalf of our customers to secure the cheapest rates and the most suitable terms and conditions to structure the loan to work with cash flow and financial objectives. Addressing asset finance yourself can involve a complex and complicated task. Engaging Jade to handle the finance involves one call.

Start quick quote

Australia's best equipment finance. Get your rate today.

No Credit Check Performed | 2 Min Quick Quote

https://compare.jadeequipmentfinance.com.au/wp-content/uploads/equipment-finance-interest-rates-1.jpg

Is your business eligible for low rate equipment finance?

Simply answer the questions that follow to see if you qualify:

Get Free Quote

No Credit Check Performed | 2 Min Quick Quote

Google excellent rating
https://compare.jadeequipmentfinance.com.au/wp-content/uploads/equipment-finance-loan-rates.jpg

Equipment Loan Rates from 60+ Lenders Compared in One Call? Yes, that’s Jade

The commercial finance market in Australia comprises in excess of 60 lenders. That covers banks, finance companies and other non-bank lenders. A number of the specialists in heavy machinery and equipment lending are not accessible directly by business owners. They operate only through their selected group of brokers. Jade provides access to these specialists, to major banks and to a large majority of these lenders through our accreditations.

Why is covering more lenders important? Interest rates. The rates that individual lenders offer will be driven by varying factors including the individual specialities and interest in various industry sectors. With our expertise, resources and industry-level connections, we have the intel to know which lenders are offering the best rates for particular sectors at any particular time. We also know which lenders will be a best-fit with individual customers and be flexible when it comes to negotiating on rates and finance conditions.

Get my rate

25 Years of excellence

Individually Structured Equipment Finance

Cheaper rates are integral to the finance cost. But if a lender applies restrictive conditions on a loan, the overall deal may not be a workable proposition. At Jade, we handle the negotiations to achieve structured funding that will work for the business over the full term of the finance. The term, balloon or residual and any security required can all have an impact on the feasibility of the finance and viability of the investment. Our experts in structured asset funding ensure fixed interest rates and a fixed finance term to deliver a cost-effective repayment schedule. A schedule that provides confidence in making future plans and works with projected cash flow moving forward.

No Credit Check Performed | 2 Min Quick Quote

https://compare.jadeequipmentfinance.com.au/wp-content/uploads/equipment-finance-calculator.jpg

Comparing the Equipment Finance Products for Tax Optimisation and Profit Maximisation

We offer a complete portfolio of products to ensure each customer has access the solution that offers optimum tax advantages and maximises profitability for their business. The method of accounting used by the business – cash accounting or accrual method, is a major criteria for selecting the right product.

Get started
https://compare.jadeequipmentfinance.com.au/wp-content/uploads/award-winning-equipment-finance.jpg
Google rating with FBAA Accreditation Google rating with FBAA Accreditation
This calculator is solely for illustrative purposes and is intended as a guide. It relies on the information you provide and should not be considered a quote or a pre-qualification. The interest rate offered to you may vary from the one shown here, depending on your individual circumstances. Repayment figures do not account for any lender fees and charges.
Our Car Finance Partners Our Car Finance Partners
https://compare.jadeequipmentfinance.com.au/wp-content/uploads/commercial-kitchen-equipment.jpg

No Docs? Not a problem. Specialist Equipment Finance Solutions available.

While contracting and self-employed operators are the norm in many sectors such as construction, there is a growing trend for more individuals to set-up their own businesses. With our focus on providing cost-effective finance for all operators, we are across the needs of sole traders, ABN holders and owner-operators when it comes to sourcing funding for their equipment.

Sourcing affordable funding can be a major obstacle to success due to the extensive documentation required by many lenders for approval for business finance. Jade overcomes that obstacle for our customers through our access to cost-effective No Doc and Low Doc loans. Speak with us to see how we can assist you in this specialist funding area. Solutions can also be achieved for operators with poor and bad credit.

Speak to our team
https://compare.jadeequipmentfinance.com.au/wp-content/uploads/gym-equipment-finance.jpg

Get Repayment Estimates on Financing for Equipment Before Purchase

Knowing what the finance may cost in terms of monthly repayments on a particular make or model of machinery, can be extremely useful with buying decisions. Using a finance calculator is the quick and easy way to conveniently and confidentiality, compare prices on any items being considering.

The calculator is also an essential tool for preparing budgets, making investment plans and for preparing a brief for our consultants as to how you would like the funding structured.

Speak to our team

Australia's best equipment finance. Get your rate today.

No Credit Check Performed | 2 Min Quick Quote

Comparing Equipment Financing Lenders for All Operators, Businesses, Industries, Machinery

Assets acquired for business purposes, including machinery, plant and other equipment, is eligible for business funding as per ATO criteria. But the industry sector, type of equipment and the business set-up can mean variations in the interest rates offered. It is not advisable to rely solely on results generated by a calculator. Speak with us for specific quotes and get pre-approved prior to purchase to gain the confidence to talk price with dealers and bid at auction.

Jade assists all types of businesses in all sectors with affordable solutions.

  • Funding solutions for asset acquisition in all industries
  • Mining, resources, hospitality, construction, medical, IT services, beauty services, fitness, aged care providers, civil works, trades, engineering, transport, manufacturing, logistics, warehousing, waste removal and many others.
  • Funding available for partnerships, corporations, SMEs, family enterprises, sole traders, owner operators, new business and ABN only holders.

When sourcing quotes for finance, business owners will want to be confident that the lender is well-placed to make the best offer. Here’s a checklist to assist operators compare finance rates and lenders:-

Does the lender operator predominantly in the commercial sector or are they are general, all-purpose consumer and business lender? Jade is a specialist in business lending.

Is the lender experienced in sourcing funding for operators in your industry? Jade has proven experience in achieving cost-effective solutions in many industries.

Is a complete portfolio of credit products available through the lender? Jade provides an extensive selection of products.

Will the lender negotiate rates and conditions in your best interests? Jade negotiates for customers and provides access to lenders that we know will negotiate.

Does the application criteria have the flexibility to cater for your business situation? Jade provides specialty options including bad credit, low doc and no doc loans.

Do the maximum and minimum loan amounts allowed meet your requirements? Jade is accredited with lenders that offer extensive credit limits.

Are 7 year finance terms available? Jade offers terms of up to 7 years to minimise repayments and contain overheads.

Can you easily access the services of the lender from your location? Jade operates Australia-wide.

Is the advertised interest rate or the offer received as cheap as Jade can achieve? Speak with us to find out.

Get your free quote
Google excellent rating
Award Winning equipment finance
Our Car Finance Partners Our Car Finance Partners

Equipment Loan Questions & Answers

Jade Finance handles every loan individually, please feel free to contact us via email
or phone on 1300 000 008 to direct your specific issues to our consultants.

Is equipment for a gym and health centre classified for equipment finance?  FAQ Arrow

What specific equipment is included in the portfolio of equipment finance may vary from lender to lender. Individual lenders may have certain industries in which the specialise while others will offer asset funding for all types of equipment for all industries. In general terms, the gym equipment should be eligible for equipment finance.

Are repayments on an equipment loan a tax deduction?  FAQ Arrow

The different types of equipment loan have variations with what elements of the loan are tax deductible. With Leasing and Rent to Own, the monthly payments are treated as a business expense and are tax deductible. With Chattel Mortgage, the interest portion of the repayment is deductible but not the repayment on the capital. The tax deduction with Chattel Mortgage is realised through depreciation of the asset.

Can an application for equipment financing be approved prior to purchase?  FAQ Arrow

Yes. This is referred to generally as pre-approved equipment financing. The application is completed with an estimation of the amount required for the loan. The lender will process the application with the normal checks and processes through to the approved stage. When the purchase is made, the loan amount is finalised.

What equipment loans are suited to start-up and brand new businesses?  FAQ Arrow

Most new and start-up operations do not have all the documentation that is required to fully complete a business funding application form. Some lenders have strict guidelines and all criteria must be met and documents provided in order to be approved. Business owners without all the documents can seek Low Doc and No Doc financing through specialist lenders.

What is required to be eligible for ABN only machinery loans?  FAQ Arrow

ABN only loans are for business owners that do not have all the documentation or other requirements to meet the standard business application form criteria. To be eligible for these types of machinery loans, operators are required, at a minimum, to hold an ABN and to have appropriate identification.

Will the equipment finance interest rate change when the RBA changes interest rates?  FAQ Arrow

Most asset acquisition funding solutions are secured with a fixed interest rate. A fixed rate with commercial funding remains unchanged over the full term of the loan arrangement. It is not subject to change in line with Reserve Bank decisions. Some commercial loan types such as overdrafts may have a variable interest rate which is subject to change.

When refinancing, what funding products can be used?  FAQ Arrow

When refinancing an existing equipment loan, business operators can choose to use the same loan product as the existing loan or a different type. The funding products available for asset acquisitions include Chattel Mortgage, Leasing, Rent to Own and Commercial Hire Purchase. There are variations across the selection in regard to suitability for accounting methods, tax deductions, balance sheet approach and interest rates.

In delivering cost-effective, affordable equipment finance with cheaper rates – Jade has all the right answers.

When deciding which way to go with sourcing equipment finance, be aware that using Jade as your specialist broker-style lender offers many advantages over the DIY approach. We have acquired decades of experience by working with many different types of businesses across many sectors and with many banks and lenders. We’ve earned our enviable reputation and impressive track record for delivering cost-effective solutions.

We have the resources, expertise, skills, products and most importantly the preparedness to work hard to get you the cheapest rate and most affordable finance solution.

Our comprehensive portfolio of asset acquisition loan types includes:-

  • Rent to Buy or Asset Rental: An off-balance sheet product which can suit operators that have a need to more regularly upgrade to newer machinery.
  • Chattel Mortgage: The most versatile and popular product, this has a secured loan structure and offers flexibility and the lowest rate across the portfolio. Suits many types of business set-ups and many types of machinery.
  • Asset Lease: An off-balance sheet option which can assist business owners to improve the appearance of the balance sheet. The ownership of the asset remains with the lender until the funding commitments are finalised. The lease payments are tax deductible, residual available and we source very attractive rates and terms.
  • Hire Purchase: A facility with some features in common with Lease and Chattel Mortgage but is a distinct product. Has waned in popularity over recent times as Chattel Mortgage has risen in popularity.
  • Refinancing: We offer a complete service to assist operators refinance and restructure existing arrangements to achieve specific objectives. Cheaper rates, lower repayments or a combine multiple funding arrangements into the one contract.

Businesses are advised to refer to their accountant in selecting a product to suit their set-up and brief Jade accordingly as to the objectives they aim to achieve.

All Content © Copyright Jade Finance 2025 | Privacy Policy | ACL: 484387