Get a commercial van loan that works with, and for, your operation, with our competitive rates and tailored lending services. As experts in financing commercial vehicles, we know how hard vans and their operators work.
Vans are versatile and the workhorse for many business operations. Delivery services, couriers, removalists, customer deliveries, transporting produce and manufactured goods, trades, maintenance crews and many others rely heavily on their vehicle, day in, day out.
Vans work hard, operators work hard, and margins can be tight in some highly competitive sectors. When purchasing a new van with finance, we appreciate that your commercial van financing has to work equally hard to contribute to your business success.
Cost-effective commercial van financing can be the make or break for many operators, especially self-employed, SMEs, contractors, and owner-drivers.
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Jade are facilitating the purchase of essential workhorses without outlaying capital, in workable monthly instalments. We provide workable loan options for commercial vans to all sizes and types of business operators, even start-ups and one person enterprises.
We have specialist lenders with more flexible approval criteria that offer cost-effective financing to sole traders and new operators, with low turnover and no financials. Setting the venture up on a good footing from the start.
Commercial van finance is available through Jade Finance for all vehicle types and variants including short and long wheelbase, high and standard roof, EV, petrol and diesel models. We offer highly competitive financing for new and used vehicles from all leading brands including Renault, Toyota, LDV, Volkswagen, Hyundai, Mercedes-Benz, Ford, and Fiat.
With our brokers handling the process of sourcing and negotiating the best van loan from across our vast lender base, and processing the application, we save operators time and deliver the most cost-effective package, tailored to specific needs.
Contact us to source you the most competitive rates and workable terms for your commercial van loan.
To obtain loan pricing on your preferred vehicle, request a quote online or by phone with one of our brokers.
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
We provide the full selection of finance products for commercial vans so operators can choose the loan type that suits their operation. The selection includes Leasing, Rent-to-Own, Chattel Mortgage and Commercial Hire Purchase (CHP). Loan types have a number of differences and it is advisable to consult with an accountant for clarification as to which will best suit an individual operation.
Chattel Mortgage suits businesses that use cash accounting. Rent-to-Own and Lease suit the accruals accounting method. CHP can suit businesses that use either method. All offer tax deductions. Chattel Mortgage and CHP through depreciation of the van and Rent-to-Own and Leasing through tax deductible monthly loan payments.
The van ownership during the financing term is also different across the selection of loan types. A feature, which can affect the business balance sheet. Interest rates also vary with the different commercial van loan types. Residuals, buybacks and balloons are structured into the package to deliver workable repayments.
We secure all commercial van loans with a fixed rate and fixed term, to ensure a fixed schedule of repayments, negotiated to work with individual cash flow. Providing certainty for operators and the ability to better plan future investments and expenditure.
New and start-up operators can use these types of loans. Where an operator does not have all the financials and documents requested by a lender, we provide access to specialist lenders for low doc and no doc commercial van finance.
To discuss your options, speak with one of our brokers.
Achieving the best interest rate on commercial van financing is key to more affordable repayments, a lower overall vehicle acquisition cost, and can be integral to cash flow management and business profitability. Rates vary with the credentials and credit scores of individual operators, and across the commercial vehicle lending market.
The market is extensive with operators offered financing through dealers, manufacturers, banks and finance companies. Operators, especially those with limited time to source finance and limited knowledge of the lending market, can find it difficult to work out which is the right lender for them, and which is offering the best deal.
Our specialist commercial van financing services solve those issues for you and deliver significant benefits. We handle the entire process to save you time, eliminate any confusion, and provide confidence that a professional with extensive experience and expertise has sourced you the best loan offer.
We are accredited with over 80 lenders, providing our brokers with a vast selection to find the right lender for each operator. Our lender base includes non-bank lenders that specialise in commercial van loans and in loans for start-up owner-drivers. Accessing these lenders through Jade, provides operators with the opportunity to secure the most competitive rates available, flexible terms, and workable repayments.
We work hard for each customer. Using our leverage and sharp negotiating skills to ensure the package we present is specifically tailored to the individual needs of each operator. To brief us on your requirements, speak with one of our brokers or request a quote online.
There are many great vans on the market and deciding which one to purchase may come down to price and the finance. To assist in making purchase decisions and preparing budgets, operators can take advantage of our commercial van finance calculator.
The calculator is easy to use and quickly calculates estimated repayments based on the figures entered. Compare a Renault Trafic to a Ford Transit to a more affordable LDV. Vary the term and balloon amounts to decide which combination delivers the repayment amount to suit cash flow.
Applying for commercial van finance with Jade is quick and easy. With your individual broker handling your application, the process is simple and streamlined. Provide us with details of the van being purchased and the necessary information on your business operation, and we take it from there.
To be eligible, operators must have a current ABN and provide verifiable identification. GST registration is not essential. The application requires documentation on the business financials including tax returns, business accounts, turnover, asset and liability schedules, profit and loss statements, and bank statements. Where these are not available, your Jade broker will source the best offers on a ‘no financials’ basis from our specialist lenders.
Credit histories and scores are check by lenders and used vans assessed for security suitability and for approval of the finance amount requested.
Small businesses may be required to provide personal financials of the owner and have their personal credit report checked.
Approvals for financing can be received in 24 hours, to enable prompt settlement and fast delivery of your new vehicle. Operators may choose to submit an application online or in person with a Jade broker by phone. Apply today for the best offer on commercial van financing.
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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.
Operators select the credit facility that best suits their accounting method and approach to the balance sheet, taxation and financial objectives.
All commercial entities can choose from Lease, Rent-to-Own, Chattel Mortgage and CHP to finance vehicles.
Owner-drivers can select from the same loan types as larger businesses to finance vans. Smaller businesses may be required to provide personal as well as business financials for the application.
New and used model vans are all financed with the same selection of credit facilities – Lease, Rent-to-Own, Chattel Mortgage and CHP. Rates, loan amounts, terms and conditions can be different on new and used vehicle loans.
Operators may request their preferred loan term but approval is subject to the lender’s assessment of the application.
Lease and Rent-to-Own repayments are a tax deduction. The interest part of Chattel Mortgage and CHP repayments is a deduction. CHP and Chattel Mortgage provide a deduction through asset depreciation.
Many operators can be approved to borrow the total vehicle purchase price, subject to lender approval. Approval can be based on creditworthiness and the value of the vehicle.
Commercial credit facilities allow for the vehicle to be used as the main security. Some applicants may be required to provide extra collateral, subject to individual lender guidelines.
Commercial vehicle financing rates are typically fixed. They do not change through the complete period of the loan term.
Some lenders may offer special finance deals for funding electric vehicles at different times, and subject to meeting certain conditions.
