Finance for automation infrastructure, equipment and systems is available with asset loans and strategically structured commercial credit facilities. Depending on the system or machinery being purchased, secured and unsecured credit at our highly competitive rates, are available to suit the business and the investment. Providing opportunities for businesses of all sizes, across all sectors, to take advantage of AI, automated systems, and robotics to supercharge their operation.
New generation systems and equipment are being used across many industries. Including in agriculture, logistics and warehousing, processing plants, health and medical and in corporate customer service and call centres. Customer service centres incorporate AI and automated systems to solve simplistic queries from customers. With the simple issues solved automatically, the customer service teams have more time to attend to complex issues. In logistics, investing in automated infrastructure may improve accuracy, reliability and efficiency.
Investing in automated systems may deliver benefits to the business in efficiency, productivity and profitability. But optimising those benefits may depend very much on the cost of the acquisition finance. We work closely with business owners to source and structure a finance package that is cost-effective and targeted to achieve individual objectives. The investment may be in infrastructure across the operation, individual machines and equipment, or for consultants, developers and programming of custom systems.
Secured Finance for Automation Equipment
Where the acquisition is for assets such as equipment, plant and machinery which can be accepted as loan collateral, secured asset acquisition credit facilities may suit. Businesses can select from Chattel Mortgage, Leasing, Rent-to-Own and Commercial Hire Purchase.
Where the machinery is a longer-term investment, ownership with Chattel Mortgage may suit. Where systems and equipment need to be upgraded in short to medium term, an Operating Lease may better suit.
When selecting the most suitable credit facility, businesses must consider the suitability of the loan product with their accounting method and approach to tax deductions and their balance sheet.
Finance for Automation Programming, Consultants, Training
Key to business taking on new systems, especially AI, is the programming and development. The costs of engaging consultants to plan the system and the expense of the technical developers and other specialists can be the major outlay. This can be especially relevant where custom systems are being developed to suit the unique functions and operations of the business.
Once the system is installed, staff typically require training. This is an added expense to be considered.
These types of expenses would be considered by lenders as non-asset expenses. The purchase itself not being suitable to be offered as collateral. Commercial credit facilities including Secured and Unsecured Business Loans are available for these purposes.
While unsecured loans typically attract higher rates than secured loans, businesses with strong financials, high turnover and significant asset holdings may be offered highly competitive rates. Smaller businesses may provide other assets or opt for an unsecured loan without collateral.
Where the acquisition includes a combination of both assets and non-asset expenditure, we work to structure an inclusive, custom finance package which is affordable and effective.
Individually Structured Finance Solutions
To genuinely deliver positive outcomes for a business, an investment in automated systems must be cost-effective. The overall outlay for the investment – the purchase and the finance, must be offset by the benefits to the operation.
Our brokers are highly experienced in structuring commercial loans, and we have access to specialist lenders in many key industries. Loans are strategically sourced, negotiated and structured to meet the life cycle of the machine or system and avoid businesses operating with obsolete equipment in the future.
While the most competitive rates are sourced, close attention is paid to negotiating the term of the loan and any balloon or residual. This can be particularly significant with systems that will require upgrading. Where the term of the loan is in line with the life cycle of the asset or system, this may place businesses in a better position to upgrade when required, without facing a significant payout on the existing loan.
Compare Rates, Calculate Loan Estimates for Planning
Planning will be essential for most businesses considering an investment in new generation AI and automation. Planning not only with the providers, but for the financing. Our Finance Calculator is readily available online to assist business owners estimate and plan their finance.
The calculator can be used to carry out a range of functions including estimating repayments and total interest accrued, comparing outcomes with different terms and balloons, and for comparing interest rates.
Specific quotes can be obtained by contacting us online or by phone. To upgrade your operation with the latest technology and realise the benefits that may be on offer, speak with us about cost-effective financing to suit your objectives and cash flow.
For strategically structured finance for automation systems and equipment, contact Jade Equipment Finance 1300 000 003.
DISCLAIMER: IF MISINTERPRETATIONS, MISREPRESENTATION OR ERRORS EXIST IN THIS ARTICLE, NO LIABILITY IS ACCEPTED. THE INFORMATION IS PROVIDED ONLY FOR GENERAL PURPOSES AND NOT IN ANY MANNER INTENDED AS THE ONLY SOURCE FOR MAKING FINANCIAL DECISIONS. THOSE THAT CONSIDER THEY REQUIRE ADDITIONAL GUIDANCE OR ADVICE SHOULD REFER TO AN INDEPENDENT FINANCIAL ADVISOR.
