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- Low rate equipment finance
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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.
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Is Your Business Eligible for Low Rate Equipment Finance?
Simply answer the questions that follow to see if you qualify:
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Equipment Loan Rates from 80+ 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.
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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.
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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.
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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.
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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.
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Affordable Equipment Finance with Cheaper Rates
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.
Australia's best equipment finance. Get your rate today.
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Our customers say
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General Equipment Finance FAQs
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?
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?
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?
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?
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?
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?
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?
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.
