Lender Ownership Retention
The reference to ‘lease’ relates to lenders retaining ownership of the assets until all payments are finalised. The lender leases the goods to the borrowing enterprise with monthly payments.
Competitive Rates, Flexible Terms, Tailored Asset Leasing Solutions
Maximise the benefits and effectiveness of asset leasing with our competitive rates, individual service, and tailored solutions. Lease is one of the most popular choices when it comes to funding business assets. Flexible format, affordable rates, and suited to plant, machinery, equipment, trucks, vehicles and cars.
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Secure Competitive Leasing Rates for Your Business Assets
Leasing is popular with business operators, which means it is offered by many commercial lenders in the business finance sector, with varying rates, terms, and approval criteria across the market. Presenting business owners with a challenge and a time-consuming process to source their best option with the best leasing interest rates. Using our experts to handle your asset lease, paves the way to the most competitive rates from across an 80+ lender market, individually negotiated terms, and overall, a faster, more streamlined process.
As specialists in business financing solutions, we provide lease as an option for operators of all types and sizes, across all industry sectors, to acquire a wide range of assets. Request a quote for our best leasing rates based on your specific requirements.
Overview of Leasing Features and Benefits
While lease may be a widely used term for rental agreements, in commercial financing, Leasing is one of several credit facilities used for funding the purchase of business assets.
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Off Balance Sheet Benefit
This ‘off balance sheet’ feature makes Leasing highly attractive to many businesses that see improving the appearance of their balance sheet as a benefit. With ownership held by the lender, the borrower is not required to enter the asset into their business accounts.
New Opportunities
It presents a situation which may provide the business with greater capacity and opportunities to take on finance for other purchases, or to achieve other objectives. All while having essential equipment and vehicles to operate in their business.
Accruals Accounting Compatibility
Asset Lease is compatible with the accruals accounting method, which can be a key issue when deciding which credit facility is the right choice for a particular business operation. Referring to an accountant when selecting asset lending products is recommended.
Leasing Includes Residual
The format of Leasing includes a residual. This amount is a percentage of the amount borrowed which is due to be finalised after all monthly payments are finalised. The ATO has rulings around residual amounts.
End-of-Lease Options
At the end of a leasing term, borrowers have options. They can pay or refinance the residual to have ownership of the asset, finalise the residual and sell the asset, or opt not to finalise the amount and hand the asset back to the lender.
Flexible Leasing Benefits
The flexible nature of Leasing can make it the preferred funding choice for operators looking to upgrade machines and vehicles on a regular basis.
Straightforward Tax Benefits
The tax benefits available with lease are straightforward. The monthly payments are deemed operating expenses by the ATO and the full amount can be deducted. GST is applied to the monthly payments and claimed as appropriate.
Unlock the Advantages of Leasing for Your Business Assets
Leasing can be used to fund a wide selection of new and second-hand assets acquired by businesses for use in the business operation. These include vehicles, trucks, marine vessels, machinery and equipment. If lease is your preferred commercial credit facility, request a quote online or by phone with one of our brokers.
- Off-balance sheet credit facility.
- Tax deductible leasing payments.
- Lease new and second-hand vehicles, equipment, trucks, cars.
Business finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Specialised Business Finance
Business Car Finance
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Secure the Advantage of Better Leasing Interest Rates through Jade Finance
Through our accreditation with 80+ lenders, our leverage in the commercial lending market and the capabilities of our brokers, we have earned our reputation for achieving better rates on commercial leasing. Our lenders include the broad spectrum of business credit providers including non-bank lenders that specialise in niche and key markets. Lenders that have a deeper understanding of certain industries than general lenders and can be more flexible in negotiations than many banks.
We source all leases individually with a broker assigned to each customer. Ensuring every customer receives the diligence, thoroughness and expertise that they, and their funding, deserve. Our brokers are highly skilled and knowledgeable on the latest tax announcements, to ensure every leasing solution is optimised for available tax benefits.
Rates and terms are personally negotiated to deliver a payment schedule which meets cash flow requirements, works towards ROI targets, and delivers on customer expectations. We handle the entire process quickly and efficiently, to save customers time and the onerous task of covering the vast commercial lending market in search of their best lease offer.
To commence your search for the best leasing interest rates, simply contact us by phone or online.
- Competitive leasing rates – vast lender market.
- Expert brokers source, negotiate each lease.
- Australia wide services, Australian owned and based brokers.
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No Doc Low Doc Lease Solutions for Sole Traders, New Operators, Small Enterprises
Leasing can be used for many asset acquisitions and can suit a wide range of business structures, set-ups and sizes across multiple industries. We work with new and very small operators with low turnover, and to address issues around not having sufficient financials, with our no doc and low doc lease options.
Without financials leasing is sourced by our brokers through our specialist lender connections. Affordable rates and workable terms are achievable. Call Jade Finance and discuss your leasing requirements.
- Low Doc Lease for Small Operators.
- Without Financials Leasing.
- Affordable rates, workable leasing terms.
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Streamlined Application and Approval Process
Applying for business leasing is a quick, streamlined process with Jade Finance. You will need an ABN, ID and the financial documents for the business to complete a commercial financing application form. Businesses with no financials can request no doc low doc leasing options from one of our brokers.
With details of your business and the goods you intend to lease, our brokers can approach the most suitable lender and negotiate a quote for leasing at the lowest interest rates. That quote is presented to you for consideration. If accepted, we handle the application processing for quick 24 hour approvals.
If heading to an auction to purchase second-hand trucks, cars and equipment, submit your application for pre-purchase approval. Details of the goods or an indication of the condition, model and features of the goods is required for conditional approval.
Applications can be made using our online systems or by phone. Request a quick quote or submit a no-obligation application today.
- Streamlined lease application process.
- Quick 24 hour leasing approvals.
- Apply for leasing online or by phone.
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Business Lease Calculator for Quick Financing Estimates
Need to prepare budgets for your asset acquisition? Wanting to plan cash flow around leasing payments? Looking to compare finance repayments on different assets? Our Lease Calculator is the device to obtain quick lease repayment estimates.
Simply enter the amounts preferred for the lease – loan amount, preferred term and the interest rate we are currently achieving on leasing for trucks, cars, or equipment. Click calculate, and the monthly amount is displayed. For a quote based on your credit profile and financials, contact us.
The device can also be used to compare the different credit options available – compare lease with Chattel Mortgage, Rent-to-Own and Commercial Hire Purchase. Start calculating or just call us for a quick quote.
- Easy to use online leasing calculator.
- Quick estimates to budget, plan and prepare.
- Set preferences, compare credit options.
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Is Leasing the Right Business Loan for Your Purchase?
Business operators have the choice of Chattel Mortgage, Commercial Hire Purchase, Rent-to-Own and Leasing to fund asset purchases. Selecting the most suitable credit facility for a particular operation involves assessing the features and benefit of each option against the accounting methods, balance sheet strategy and financial objectives of the business.
The credit options have varying features including the suitability to either the cash or the accruals accounting method, ownership of the financed asset during the funding term, how tax deductions are realised, and with the interest rate. A discussion with an accountant may be extremely beneficial in making the choice.
For many commercial operations, lease can deliver an affordable and flexible funding solution. To find out how affordable we may make Leasing for your operation, speak with a Jade broker.
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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.
Business Loan Leasing FAQs
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All commercial enterprises with an ABN may be eligible to apply for leasing. Approval will depend on meeting individual lender criteria in regard to credit score, turnover, trading period and other aspects. Small businesses that do not meet the lender criteria may contact a broker to source lenders offering low doc leasing.
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Chattel Mortgage and Lease are both very popular and effective commercial funding products. The decision as to which is the best option depends on the accounting methods, balance sheet and tax strategy, and financial objectives of the business entity.
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Interest rates are offered by lenders following an assessment of the financials and credit score of the business and the goods being funded. Rates can differ for different businesses.
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The residual is a portion of the finance amount that is due to be finalised at the end of the term.
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Yes. Monthly lease payments are treated as a business expense by the ATO.
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Lease is an asset acquisition financing product. It can be used to fund the purchase of equipment, cars, heavy vehicles, commercial vessels, and trucks.
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When a truck is leased, the lender retains ownership until all payments including the residual are finalised. At this point, ownership is transferred from the lender to the borrower.
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Including the entire purchase price of a motor vehicle in a lease is subject to lender approval. It is quite typical for the full cost of a car to be leased.
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Yes. Machinery used in a commercial operation may be funded with Leasing.
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New businesses may not have all the financial documents to meet the criteria for some banks and lenders. New businesses may look for low doc and no doc products through brokers.