Long-Term Credit Facility
Rent to Own financing is not a short-term hire or rental agreement, but a credit facility for the purchase of all types of equipment and vehicles used in a commercial enterprise.
Tailored Rent-to-Own Business Loans – Expert Services, Competitive Rates
Acquire the assets needed for your business with Rent to Own finance, tailored specifically to your requirements. We’re specialists in asset acquisition financing, providing expert services to secure the most competitive rates from across our vast lender market. Negotiating with lenders to achieve the terms that will deliver Rent-to-Own loans with workable repayments.
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Business Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Expert Brokers to Help You Acquire Assets Without Balance Sheet Burden
Rent-to-Own business finance can be an extremely effective form of lending for many operators, especially smaller and new enterprises. We facilitate easy access to the affordable financing required to obtain plant, machinery, equipment and vehicles necessary for a business enterprise.
Acquire assets with an operating lease with the end goal of ownership, but without the burden of a large asset appearing on the business balance sheet over the finance term. To discuss the best deals we may obtain on a Rent to Own business loan for your next acquisition, speak with one of our brokers.
Explainer: Rent-to-Own Loans for Business
Rent to Own financing is not a short-term hire or rental agreement, but a credit facility for the purchase of all types of equipment and vehicles used in a commercial enterprise.
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Wide Business Suitability
This credit facility is also known as an operating lease and can suit many business set-ups and many different assets.
Many Asset Types
Assets which may be purchased with this credit facility include plant, machinery, general business machines and equipment, specialist equipment, yellow and wheeled goods, heavy duty vehicles, precision medical and engineering devices, industrial vehicles, all types of trucks, utes and passenger cars.
Off-Balance Sheet Financing
With a Rent-to-Own loan, the lender acquires the assets and rents them back to the borrower. The lender retains the ownership title of the goods, so the asset is not required to be entered into the balance sheet of the borrowing business.
Buyback for Ownership
The borrower makes equal monthly rental payments over a fixed term. At the end of the term the borrower can use the buyback feature to take full ownership of the goods.
Get a Quote on Rent-to-Own Finance for Business Asset Acquisitions
For a quote on this credit option, please contact us by phone or using our email contact facilities.
- Rent-to-Own Finance for business asset acquisitions.
- Plant, machinery, equipment, trucks, vehicles Rent-to-Own Loans available.
- Full use of assets without pressure on the balance sheet.
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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Key Features and Benefits of Rent to Own Business Finance
The key benefit of operating leases is the ability to acquire business assets and have full use of the goods, without posting the asset to the balance sheet. The lender holds the ownership of the goods. As the borrower does not have ownership title, they are not required to post the goods as an asset/liability into their accounts. This can be a major advantage for many enterprises as it may allow greater capacity to borrow for other purposes, improve the appearance of the balance sheet, and potentially the credit rating or position.
The monthly rental payments are fully tax deductible as an allowable business expense. GST is applied to the monthly payments and can be claimed by enterprises that are registered for GST. We arrange this type of credit with a fixed rate of interest, over fixed terms of up to 7 years, to deliver a schedule of fixed monthly payments. During the financing term the borrowing enterprise has full use of the goods under finance and is responsible for all the costs and expenses of operating and maintaining the goods.
A buyback is arranged at the end of the term. Lender and borrower negotiate for a final amount, the buyback, to allow the business to buy the goods back from the lender and take full ownership. We provide refinancing business loans which may be suitable for financing a Rent-to-Own buyback.
Rent-to-Own financing is compatible with the accruals method of accounting. It can be advisable for operators to ask their accountant if this is the most suitable credit product for their business.
For our competitive rates on Rent-to-Own loan for your next truck, vehicle or equipment, request a quote!
- Fixed competitive rates, fixed Rent-to-Own terms.
- Tax deductible Rent to Own payments.
- Refinancing buyback option.
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Specialist Services for Self-employed, New Operator Rent-to-Own Financing
Rent-to-Own business loans can be a very effective form of financing for many new businesses and smaller operations. But these types of enterprises often have difficulty meeting lender approval criteria. With our vast lender accreditations, we provide access to the right lenders that do approve commercial financing for new and small business operators with Low Doc and No Doc Rent-to-Own loans.
We work closely with customers to ascertain their needs and source the lender that is the best match. Our brokers source and negotiate the most affordable and suitable Rent-to-Own loans without financials for heavy vehicles, equipment, cars, plant and machinery.
If you don’t meet standard approval criteria, speak with one of our brokers about the Low Doc and No Doc options we may secure for you.
- No Doc Low Doc Rent-to-Own Loans.
- Rent to Own Without Financials.
- Specialist brokers, specialist no financials lenders.
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Access Rent-to-Own Financing from 80+ Lenders
With approval criteria, loan terms and conditions, and Rent-to-Own interest rates varying across the commercial lending market, we make it quick and easy for operators to find the right lender to suit their specific requirements. We are accredited with over 80 lenders which includes the leading banks, other banks, and non-bank lenders. Many of our non-bank lenders specialise in key industries and/or key categories of equipment. Opening opportunities for better rates and more suitable Rent-to-Own solutions.
Your Jade broker will select the lender that is your best match and will negotiate the solution that best meets your requirements. To quickly get across the commercial lender market to find your best lender option, simply connect with Jade Finance.
- Access to 80+ lenders – more lenders, more opportunities.
- Expert lending brokers to source most suitable lenders.
- Large commercial lending market coverage.
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Use Our Experts for Best Rates, Tailored Rent to Own Financing Solutions
Rent-to-Own does offer a higher interest rate than Leasing and Chattel Mortgage, this is standard across the market. But it doesn’t mean operators have to compromise on securing highly competitive Rent-to-Own interest rates. Using our specialist services allows operators to obtain the best rates possible, while having their financing solution tailored to their specs by experts in commercial lending.
With our access to a vast lender base, our 25+ years of experience, and the sharp financial acumen and negotiating skills of our brokers, we have developed a reputation for low rates and highly effective, custom solutions. Each customer receives the individual time and attention of one of brokers. Time to understand their individual needs and the attention required to source and negotiate the best possible solution.
Review our latest Rent-to-Own interest rates and have a no-obligation conversation with one of our brokers about how we may assist with your financing requirements.
- Australia-owned, based expert commercial finance brokers.
- Lowest rates from across large lender market.
- Individually tailored Rent-to-Own Solutions.
- Best rates on Operating Leases
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How to Apply, Get Fast Rent-to-Own Finance Approval
Using our services makes applying for Rent-to-Own business loans a simple, fast and efficient process. Start by connecting with us via phone or via our online forms. Your Jade broker will advise the documents and details we require to source your quote and approval.
We find you the best quote and on your acceptance of the quote, we process the application and assist with settlement to ensure prompt delivery of the equipment or vehicles you need. Many approvals are available within 24 hours.
A handy Rent-to-Own calculator is provided for pre-purchase estimates, budgeting and planning purposes.
For operators planning to purchase goods at auction or wanting to know their loan limit before committing to a purchase, applications can be approved prior to purchase. Businesses across Australia can take advantage of our services via our convenient online facilities. Apply now!
- Streamlined, quick Rent-to-Own finance applications.
- 24 hour approvals.
- Time saving – our brokers handle the process.
- Rent to Own loan calculator available.
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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.
Rent to Own FAQs
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Yes. Monthly rental payments on operating leases is treated as a business expenses and fully tax-deductible.
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Yes. Rent-to-Own financing is also referred to as operating lease and Rent-to-Buy.
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All types of business set-ups may select Rent-to-Own financing, where this credit facility suits the accounting method they implement and their financial objectives.
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Rent to Buy is a form of financing the purchase of business assets. It is not a form of short-term hire.
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Operators may use an online financing calculator to obtain estimates on operating leases.
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Where new operators do not have the complete financial documentation required for the standard commercial lending application form, they may seek out brokers to obtain Low Doc and No Doc credit facilities.
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Rent to Buy financing is an asset acquisition lending product. It may be used to fund the purchase of all types of assets used by and in a business. This includes equipment, trucks, heavy vehicles, and cars.
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The buyback is the amount required to be finalised at the end of a Rent-to-Own term. By finalising the buyback, the borrower takes full ownership of the goods. Where the buyback is not finalised, the lender holds ownership and the borrower has no further use of the goods.
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Borrowers can have full ownership of a vehicle funded with Rent-to-Own financing after all monthly payments and the buyback are finalised.