Commercial Business Financing
Support cash flow, fund non-asset goods and services, invest in the operation and cover general expenses with secured and unsecured facilities.
Get the Right Commercial Financing for Your Business
With over 80 lenders, 25+ years of lending experience, a complete portfolio of options and a team of highly skilled and solution-driven brokers, we are the specialists to find the right funding for your operation.
Why Jade Finance?
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your commercial loan.
Get Pre-Approval
Save time, money, and worry - Get Pre-Approval for your finance. You'll be good to go when you find your dream venture.
Business Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Compare Our Latest Best Commercial Financing Interest Rates
The best rates are integral to the best funding outcomes. Compare our latest rates and note how competitive we are across the full selection of options. Rates for individual enterprises will depend on the lender assessment of the application. Contact us for a quote for your specific rate on your choice of funding facility.
Explore solutions at the lowest interest rates, structured to meet precise customer requirements and optimised to realise the full benefits of the available tax deductions. Get your enterprise moving in the right direction by contacting us for a quote on the right funding.
Select the Right Commercial Finance Types for Your Purpose
Different assets, goods and purposes require different funding facilities. To cater for all the requirements of contemporary enterprises, we offer the complete choice.
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Commercial Equipment Loans
All types of equipment, machinery and plant used in all types of industries can be funded with Lease, Chattel Mortgage, CHP or Rent-to-Own.
Commercial Truck Finance
Whether its cab only, a ready to go model, truck and trailer from a light, medium or heavy duty range, we have the credit facilities to suit all operators.
Commercial Vehicle and Car Loans
Select the credit facility that suits your accounting method and tax strategy to fund cab chassis, wagons, SUVs, vans, passenger vehicles and other cars used in the operation.
Chattel Mortgage, Leasing, Rent-to-Own, Commercial Hire Purchase
Select the asset acquisition product to suit your objectives.
Low Doc and No Doc Options
Operators without financials have access to competitive rates and full range of options.
How to Use Our Commercial Loan Calculator for Quick Repayment Estimates & Planning
Our credit calculator is an essential tool for enterprise owners and managers to plan funding and purchases. By entering the amounts for the funding required, users can immediately see the estimated repayments on that funding configuration.
- Plan funding and purchases efficiently
- Instantly see estimated repayments
- Adjust values to meet objectives
Business finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Business Car Finance
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Benefits of Using a Commercial Finance Broker for the Right Solutions
While many owners and managers traditionally head straight to their bank when funding is required, there are extensive benefits of using our broker services to handle the process. The lending market is extensive and not all lenders are available direct to customers. Many non-bank lenders provide services exclusively via their selected broker network. Using a broker to source funding opens up these channels and provides greater opportunities to secure the right solutions.
Some non-bank lenders specialise in particular industries and may offer more competitive rates in those sectors than general lenders. Our vast selection of lenders ensures we have the right lender for each customer.
Customers also enjoy the benefits of our sharp financial acumen and up-to-date tax information to structure their funding to achieve the desired objectives and maximise deductions. For those running their own operation, the time-saving benefits are highly valued. We handle the job of finding you the right funding while you handle the job of running your enterprise.
Our brokers provide customers with invaluable assistance and guidance in preparing their application. We know the matrix used by our lenders to approve applications and make rate offers. Your broker will assist by advising the requirements for the specific lender and explaining the details.
All sized enterprises can utilise our broker services – from the smallest micro freelance contractor, through SMEs, self-employed, partnerships and large incorporated entities.
- More lender options to find the right solution.
- Tax optimised funding solutions.
- Individually structured solutions to meet exact objectives.
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The Right Commercial Loans from over 80 Lenders
With have access to more than 80 lenders to facilitate more opportunities to secure the right offers from the right lender for each customer. We work with all types of operators and set-ups across Australia, to secure the most suitable funding for their purpose.
Our Australian-based brokers are equipped with the technology, resources and the expertise to handle even the most complex funding and requests from operators in the most remote areas of the country. Delivering the right credit solutions to ensure our customers achieve their specific objectives.
- 80+ lenders – banks and non-bank lenders.
- Australian owned and based brokers.
- 25+ years of lending experience.
- Expertise across all industry sectors.
Fast Commercial Loan Approvals
We streamline the sourcing and approvals process with 24 hour approvals typical for most applications. Apply using our online systems or call and speak with one of our experienced brokers.
- Apply for commercial funding today.
- Approvals in 24 hours.
- Online or phone applications.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 16/09/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Commercial Loan FAQs
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Purchases of vehicles used in an enterprise can be funded with the operator’s choice of Leasing, Commercial Hire Purchase or Chattel Mortgage.
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All types of enterprises can apply for credit with an ABN the minimal criteria. Where a new operation does not have financials, they may apply for no doc funding as offered by specialist lenders and through brokers.
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Yes. Enterprises with an Australian Business Number (ABN) are eligible to apply for funding.
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Tax deductions are included on all credit for enterprises, but the benefits vary with the different products. Operators are advised to review the features of each product in relation to their structure, accounting measures and objectives to select the one that is the most effective for their entity.
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Repayments on Leasing and Rent-to-Own are fully deductible while CHP and Chattel Mortgage repayments only have deductible interest components. CHP and Chattel Mortgage have a deduction with depreciation of the truck in the annual accounts.
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A non-bank lender is a lender that does not hold banking institution status but offers credit. Non-bank lenders include credit companies and others.
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With unsecured credit the purpose for the funding does not provide collateral. Applicants may be requested to provide separate collateral through assets. This is subject to individual lender decisions.
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Interest rates vary across the selection of credit products and can vary for different applicants. Rates for used goods credit may be higher than for credit for new goods.
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Yes. Buyers can use online calculators as provided on the websites of lenders and brokers, to calculate estimated repayments prior to application.
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Short-term cash flow shortfalls may be addressed with an Overdraft or Line of Credit. More long term requirements may be addressed with a secured or unsecured option.