Whether establishing a new artisan bake house, needing to upgrade machines in a large commercial operation, or expanding production capacity to cater for new product lines, speak with our experts about workable financing for bakery equipment at the most competitive interest rates.
We work with operators in all areas of the baked goods sector – industrial and small-scale producers, wholesalers, commercial operators and retailers. Securing the most cost-effective funding for the full range of assets required by the business. Funding which will enable the business to bring high quality product to market at affordable pricing for their customers. Supporting the viability and profitability of the operation.
As specialists in commercial lending, we have the resources, experience and capabilities to source the most competitive interest rates in the market. Using our connections with 80+ lenders to secure our customers, the lowest bakery equipment loan interest rates on their funding.
Every funding solution is tailored to specifically meet the individual requirements of the operation. To discuss your requirements to upgrade, expand, set-up or replace processing and production machines, contact us by phone or online.
We provide loans for bakery equipment for the full range of machines, equipment, and ancillary items required for a bake house or production facility. Our funding solutions extend beyond the production side of the operation to include storage facilities, fixtures and fittings, display cabinets, refrigeration units, IT and computer equipment, and POS systems.
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The most competitive bakery equipment finance interest rates are sourced to fund mixing machines, proofers, slicers, ovens, cool rooms, dough mixers, shelving, dough sheeters, cutting tables, warming machines and many other tools, appliances and machines required to produce baked goods.
Bakery equipment financing is available through Jade for new and second-hand machines. Our experts work with operators to source and structure solutions for single or multiple items to simplify and streamline repayments. To start the process of securing the most affordable finance for bakery equipment specifically tailored to your requirements, speak with one of our experts.
Selecting the credit facility that specifically suits the accounting methods and objectives of the business is an important first step in acquiring a bakery equipment loan. The asset acquisition finance products available for bakery equipment loans are:- Lease, Chattel Mortgage, Hire Purchase and Rent-to-Own.
These facilities differ in compatibility with either the cash or the accruals methods of accounting; the ownership of the machines over the term of the loan which effects the balance sheet; tax deductible elements of the finance; and how GST is treated. We strongly recommend that the business owner or operator consults with their accountant to ensure the most suitable finance product is selected.
All these finance facilities allow for the goods being financed to be used as loan security. Many businesses do not need to provide extra collateral. Subject to approval by one of our lenders, the full price of the equipment may be covered by the bakery equipment loan.
Our guides offer quick comparisons and simple explainers to help you work through the financing process with confidence.
Asset acquisition credit facilities include an end-of-loan payment. Chattel Mortgage and Hire Purchase include a balloon payment, Lease features a residual component, and operators selecting Rent-to-Own can discuss a buyback at the end of the term.
Your Jade Finance broker will be sourcing the best fixed interest rates and negotiating workable fixed terms to provide a fixed monthly payment schedule that works with cash flow. For a quote on affordable, workable bakery equipment finance, tailored to your needs, contact us.
With growing demand for organic produce and special artisan breads, new producers may be planning to establish their own bake house. A major drawback when setting up a business is securing affordable finance for the necessary equipment. Meeting the approval criteria of lenders with business financials and trading history is an issue for new operators. We can offer solutions!
As experts in business financing, we have access to specialist lenders that approve applications for new operators with little or no financials and low turnover with No Doc and Low Doc Bakery Equipment Loans. Your Jade Finance broker will work with the most suitable lender to source a workable outcome. Whether setting up on a small or large scale, if you do not have full financials, contact us to discuss how we may assist with cost-effective finance.
Our expert broker services are available to assist all business types and sizes across Australia secure the bakery equipment finance to suit their individual needs. As your broker, we handle your individual financing needs from the initial enquiry through to the final settlement. Sourcing the lender that best meets your business profile, negotiating on rates and terms, and structuring bakery equipment loans to best meet individual cash flow, ROI, and the specific objectives that the owner has for their operation.
No referral is needed, and contact can be made online or by phone to realise the full benefits of our 25+ years of experience, our highly skilled brokers, and our leverage in the commercial lending market. Have a no obligation initial discussion or simply request a quote to get started.
The Australian commercial lending market is vast and quite diverse. Accessing the right lender can be integral to being offered the best bakery machine loan interest rates and terms that work for the business. We provide that access with our lender base of over 80 lenders – banks, finance companies, and non-bank lenders.
We quickly and easily connect with the lender that specialises in bakery industry finance to ensure those critical best rates are accessible and achievable for our customers. Non-bank lenders that specialise in certain industries can be more flexible and open to negotiations.
We utilise our leverage in the market to negotiate on behalf of customers, opening a pathway to affordable financing. Connect with us for a quote online or by phone.
Signed a lease on premises and keen to get equipment, move in and open for business? Then apply for your bakery equipment loan with Jade Finance. Our application process is simple and streamlined. Simply provide our brokers with the necessary business credentials and financial information and we source you the best available loan offer.
With your own Jade Finance broker handling your individual application, communication and action is fast, clear and direct. Many applications can be approved within a 24 hour period. Making finance quickly available to make the purchases and get the machines producing for your operation.
Our online financing calculator makes planning and budgeting for machinery and appliances a quick and easy process. Simply enter the details of your purchase and loan preferences, and the calculator immediately provides repayment estimates.
Handy tool for comparing repayment estimates on different makes and models and for working acquisitions into cash flow projections and budgets. For a confirmed bakery equipment loan quote, just contact us.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 15/11/2024 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.
Operators of bake houses can select from Lease, Rent-to-Own, Hire Purchase and Chattel Mortgage to fund equipment for their business.
Interest rates on commercial finance vary with the type of credit facility and for individual businesses. Business with good credit history are typically offered the best rates. Operators can use rates displayed by lenders as a guide for planning and budgeting.
All commercial enterprises with an ABN may be eligible for commercial credit. Lenders have varying criteria for approval which can include full financials for at least 1-2 years and being in operation for at least 1-2 years. Where a new business does not satisfy the criteria, they can source low doc and no doc funding through brokers.
A balloon payment applies to Hire Purchase and Chattel Mortgage and is due to be paid in full after the last monthly payment is finalised.
The way tax deductions are realised varies with the different credit facilities. Hire Purchase and Chattel Mortgage deliver tax deductions through depreciation and have deductible interest. Rent-to-Own and Lease have tax deductible monthly payments.
All types of assets required by a commercial operation, including point-of-sale systems, may be purchased with finance.
Second-hand assets can attract different interest rates and loan terms and conditions to loans for new goods. The same credit facilities can be used for new and second-hand goods.
Including the full acquisition cost of equipment in a loan is achievable, subject to individual lender approval.
Finance terms are subject to individual lender guidelines and approvals. Up to 7 years is typical for the commercial market.
A wide range of assets may be financed with commercial loans. These can include the mixing machines, ovens, refrigeration equipment, storage and shelving, displays, IT and other items.
