Powering your business assets
Personalised Equipment Finance Solutions for Your Business
In today's competitive landscape, having the right equipment is not just an advantage – it's often a necessity. From heavy machinery and vehicles to essential office technology and specialised tools, acquiring new assets can be a significant investment. Equipment finance provides a smart way to get the gear you need, when you need it, without tying up large amounts of your business's valuable working capital.
At Ferns Finance, we understand the diverse operational needs of businesses across Beenleigh, Logan, Scenic Rim, and the Gold Coast. We specialise in equipment finance solutions that are tailored to your specific industry, business structure, and cash flow requirements.
Why Choose Equipment Finance for Your Business?
- Preserve Working Capital: Instead of a large upfront purchase, spread the cost of equipment over time, keeping your cash reserves free for day-to-day operations or other growth opportunities.
- Stay Competitive: Access the latest technology and most efficient machinery, allowing you to improve productivity, reduce downtime, and offer better services or products.
- Potential Tax Benefits: Different finance structures may offer various tax advantages, such as deductions for depreciation, interest, or lease payments. (Always consult your accountant for specific advice.)
- Flexible Options: We offer a range of equipment finance products, allowing you to choose the option that best suits your ownership preferences and financial strategy.
Our Expertise in Equipment Finance:
Ferns Finance work with over 60 banks and specialist lenders to compare a wide array of equipment finance products. We provide clarity on complex options like:
- Chattel Mortgage: You own the equipment from the start, and the loan is secured by the asset itself. This is often favoured by businesses that want to claim GST upfront and potentially depreciate the asset.
- Hire Purchase: You use the equipment while making regular payments, and ownership transfers to you once the final payment is made.
- Finance Lease: You lease the equipment for a set period with an option to purchase it at the end of the term, often with a balloon payment.
- Operating Lease / Equipment Rental: You essentially rent the equipment, returning it at the end of the term. This is useful for equipment that depreciates quickly or needs frequent upgrades, as the lender typically bears the depreciation risk.
We take the time to understand your business, the type of equipment you need, and your long-term goals. Whether it's a new commercial kitchen, construction machinery, IT infrastructure, a delivery vehicle, or specialised medical equipment, we'll guide you through the process, ensuring you secure the most suitable and cost-effective finance solution.
Ready to equip your business for success? Talk to us today to explore your equipment finance options.
Equipping your business with Ferns
Looking to acquire essential machinery, tools, or technology to boost your operations? We make securing equipment finance straightforward and stress-free. Here's how we'll help you get the gear you need.
Understanding Your Equipment Needs
Let's start with a clear conversation about your business. Get in touch to discuss your operational goals and the specific equipment you're looking to acquire. We can chat in person or online – whatever works best for your busy schedule.
Your Custom Finance Match
We'll research our extensive panel of banks and lenders, going beyond just asset finance to focus specifically on solutions for equipment. We'll create a tailored shortlist of equipment finance options that perfectly align with your business's unique requirements and investment plans.
Getting Your Pre-Approval Ready
Once you've selected the best finance option from your shortlist, we'll efficiently guide you through the pre-approval process with your chosen lender. This step gives you a clear understanding of your borrowing capacity for the equipment you need.
Time to Select Your Gear
With pre-approval in hand, you're ready to confidently decide on the exact machinery, tools, or technology your business needs. This is your chance to pick out the equipment that will truly enhance your productivity and capabilities.
Securing Your Equipment Finance
We'll handle all the necessary paperwork and liaise directly with your chosen lender to efficiently secure the finance for your new equipment. Our goal is to make this part of the process seamless, so you can focus on your business.
Your Equipment is Ready for Action
The finance agreement is finalised, the equipment is purchased, and it's all yours! You can now put your new machinery or tools to work, boosting efficiency and growth for your business, without a significant upfront capital outlay.
Explore your loan options & their features.
There are a number of different loan types and features available to you, learn more below. We are here to help answer your questions when you’re ready.
Helpful calculators.
Explore your financial possibilities and understand potential costs with these handy calculators.
Frequently asked questions.
Do I have to come into an office to apply?
Do I need a finance broker?
Do you help with house and land packages in new developments around Logan or Yarrabilba?
Do you work with local real estate agents and conveyancers?
How do finance brokers get paid?
How long does approval usually take in Logan or Gold Coast?
Talk to us today about your options.
Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.