End-of-Term Ownership Goal
The objective at the end of the financing term is to own the asset. But during the term the asset remains under the ownership of the lender. The lender purchases the goods and leases them back to the borrower.
Competitive Rates, Expert Services for Business Equipment Leasing
As specialists in equipment financing options, we offer leasing for all types of enterprises including those with little or no documentation, start-ups, sole traders, and ABN-only holders as well as for SMEs and established large corporations.
Why Jade Finance?
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Equipment Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Simplify Business Equipment Leasing with Expert Broker Assistance
Leasing is one of the most widely used equipment financing options for asset acquisitions. Suited for the purchase of many types of commercial equipment, plant and machinery and for many types of business operations. But the popularity with business owners for this flexible financing vehicle also makes it popular with lenders. With many lenders offering commercial finance, operators can be challenged when it comes to finding the lowest leasing rates, the most attractive terms, and the most workable outcome.
We eliminate that challenge and the time required to secure affordable, workable business equipment leasing by handling the entire financing process. Simplifying and streamlining the procedure, finding the best rates from across 80+ lenders, arranging fast approval and optimising tax benefits. Providing experts to negotiate and structure commercial equipment leasing to meet individual requirements.
Overview of Specs and Features of Equipment Lease
Leasing is a commercial funding vehicle for the purpose of acquiring assets for a business operation.
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Off-Balance Sheet Assets
This can be an attractive aspect of leasing over other equipment financing options, as the asset does not appear on the balance sheet. This off-balance sheet feature can be extremely advantageous for many operations.
Cash Flow Options
Have full use and responsibility for the equipment without the burden on the balance sheet. This may allow greater scope to take on additional financing for other assets and free-up cash flow.
Meet ATO Guidelines
Leasing suits business that utilise the accruals method of accounting. A residual, a percentage of the loan or purchase price, is structured into equipment lease financing, in line with ATO rulings.
Tax Advantages
The entire monthly payment is tax deductible and GST on the payments is claimable. At the end of the lease term the residual is finalised, and ownership transferred from lender to operator.
Equipment Upgrade Options
This funding facility attracts a very attractive fixed interest rate and fixed terms of up to 7 years. This is an extremely flexible option which can suit many operators that look to regularly upgrade their machinery.
Suits Many Industries
The format can suit a wide range of both new and second-hand plant, machinery and equipment across all industry sectors.
Applied to Various Categories
We offer equipment lease financing for heavy machinery, wheeled and yellow goods used in construction and mining, delicate medical and precision engineering devices, through to the basics required in an office environment – IT, security systems and furniture.
Examples to Consider
Examples include excavation and agricultural machines; manufacturing and processing plant; IT hardware, software and systems; health, medical and fitness equipment; storage, logistics and materials handling machines; hospitality and catering equipment; retail fitouts; and general office machines, fittings and fixtures.
Secure Tax-Deductible Leasing for New and Used Equipment
For a quick equipment leasing quote, simply contact us by phone or online.
- Suits accruals accounting method.
- Tax deductible repayments.
- Residual included.
- Fixed rates, fixed terms, fixed repayments.
- Leasing for new, used, dealer and private sales, auction purchases.
Equipment finance guides and resources
Our guides offer quick comparisons and simple explainers to help you work through the financing process with confidence.
Equipment Finance
Heavy Equipment Finance
Specialised Equipment Finance
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Enjoy the Advantages of Equipment Lease Financing through Jade Finance
No referral is needed to utilise our specialist services to source the most competitive leasing rates on the market and to have your equipment lease financing expertly sourced and structured. Over our 25+ years in the Australian commercial lending market we have established accreditations with more than 80 lenders. These include the major banks, non-bank lenders and lenders that specialise in key sectors. Providing our brokers and our customers, with access to a vast choice to secure the right lender, and leverage to negotiate the best rates.
Our brokers are all based in Australia and have vast knowledge and insights into the business and industrial environment and the tax system. We structure leasing arrangements to target specific customer objectives such as meeting cash flow and achieving ROI and optimise the lease for the tax benefits available.
With our vast customer base, we have experience working with all types of business set-ups and provide services for SMEs, sole traders, large corporations, self-employed and even for new businesses. Low Doc and No Doc options can be sourced at competitive rates and workable conditions. Funding is available for new and used equipment, for machinery purchased from dealers, private sellers and at auction.
Each customer is assigned their own broker to ensure prompt, streamlined service and individual attention. We handle the entire process from initial enquiry through to settlement. With our industry-level lender connections, approvals are fast and settlements prompt. We won’t keep you waiting to acquire that equipment and have it working for you asap.
To start talking about your equipment leasing options, request a quote or have a conversation with one of our brokers. Contact us by phone or online.
- Competitive rates from 80+ lenders.
- Experts to structure leasing to specific objectives.
- Low Doc No Doc options.
- Australian-based operation, 25+ years of experience.
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Get Quick Estimates – How to Use Our Equipment Lease Calculator
With our extensive experience across multiple industries, we understand the buying process that operators can go through when selecting new machines. Different makes and models can be reviewed and assessed, price points compared, and in many cases, budgets and forecasts for the acquisition need to be prepared.
We assist operators with these stages with our lease calculators for business equipment. A must-use online device to quickly calculate leasing payment estimates and plan individual finance structure preferences.
The finance calculator is simple to use. Users enter the amount of their lease as the loan amount. This may be the full purchase price or may also include extras such as delivery, installation and commissioning expenses. The interest rate will subject to the lender assessment of the individual application. But for the purpose of generating estimates, use the current rate we are displaying for equipment lease. The term can be up to 7 years.
Enter the numbers, click calculate and the estimate repayment is displayed. Vary any of the amounts to make the necessary model comparisons or to arrive at a repayment amount that works you’re your cash flow. In the ballpark? Call us for a quick quote that is sourced based on your individual profile and requirements.
- Compare repayments on makes and models.
- Decide on preferred leasing terms.
- Prepare budgets, plan acquisitions with leasing finance.
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![Improved Rates for Enhanced Equipment Finance]()
Compare Equipment Financing Options: Leasing vs Buying Equipment
Leasing is one of several equipment financing options available. But some operators may also consider buying equipment outright rather than with finance. So how does equipment lease stack up against buying equipment?
When purchasing equipment outright, the asset is posted to the balance sheet of the business. This may or may not be a positive for some operators. With Leasing, the asset is owned by the lender, so it does not appear on the balance sheet.
When purchasing, the entire amount of GST would be claimed as a capital purchase on the next BAS. With Lease, the GST on the monthly payments is claimed on the relevant BAS.
When a business owns an asset or purchases under other finance options such as Chattel Mortgage or CHP, the asset is depreciated over time to realise a tax deduction. With Lease, the monthly payments are fully tax deductible.
The practicalities of buying compared with Leasing include the pressure on available funds and cash flow. Depending on the size and price of the machinery, the business may be pressured by paying the entire purchase amount at time of purchase. Business equipment leasing allows the cost to spread over up to 7 years with repayments negotiated to meet cash flow expectations.
Leasing can provide a flexible, affordable and workable solution to acquiring business equipment. To consider if it is right for you, use our lease calculators for business equipment to generate estimates or speak with us for a quote.
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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.
Equipment Leasing FAQs
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Yes. All types of business entities with an ABN can be eligible to apply for lease finance.
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Both Lease and Chattel Mortgage are extremely effective equipment financing options. Both offer benefits, terms, tax deductions and affordable interest rates. The decision as to which is best for an individual business can be based on the accounting method used, the financial objectives, and approach to tax and balance sheet.
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Leasing interest rates are competitive as slightly higher than Chattel Mortgage and lower than Rent-to-Own.
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The residual is a percentage of the purchase price which is due for payment or finalising with the lender at the end of the term. ATO set residual percentages for leasing.
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Monthly lease payments are fully deductible.
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A wide range of plant, machinery and equipment can be purchased under Lease. Essentially all assets to be used in a commercial operation.
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Leasing is one of several asset acquisition financing products. The others are Chattel Mortgage, Rent-to-Own and Commercial Hire Purchase.
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Subject to individual lender approval of the application, the full purchase price of equipment may be financed with a lease.
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Yes. Used machinery and equipment can be financed with a lease. Interest rates, terms and conditions may vary for new and used asset financing.
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New businesses without the full documentation required for a commercial finance application can seek brokers or specialist lenders that offer Low Doc and No Doc funding services.