No Deposit Equipment Finance

We achieve cheap interest rates across our extensive portfolio of loan products. You are welcome to compare the rates we achieve in this table and calculate repayments on a loan by entering a loan amount and loan term. The calculator automatically formulates repayment estimates based on that data and at the interest rate shown.

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Why Use Jade Equipment Loans?

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Cheap equipment loan interest rates

With our superior negotiating skills, our strong bargaining power across multiple lenders and our determination to deliver the best deals for our customers. We work in your best interests to get you the best rates.
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Using Jade is the right decision

We prioritise your interests, not shareholders or financial targets. As an established Australian-owned company, we bring extensive expertise to provide practical financial solutions for businesses of all sizes. Our licensed consultants are dedicated professionals who guide you through the loan process, empowering you with information and excellent deals. We believe credit should enhance, not burden, your business, ensuring every loan offer is a beneficial solution for your success.
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A company that delivers

Whatever industry you operate in, whatever equipment, plant and machinery you need to run your business, Jade can assist with finance. We have expertise in Truck and trailer, Earthmoving, Mining, Civil, Commercial Marine, IT and computers, Office, Medical Finance, Manufacturing, Industrial Plant and many more.
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No Deposit Finance Options Tailored for Your Business with Jade

As full service finance brokers, Jade Equipment Finance has the expertise to discuss no deposit equipment finance options with all types of businesses and for all types of equipment. Our consultants are licensed finance professionals, highly trained and skilled negotiators when it comes to bargaining great equipment finance deals with no deposit with lenders on behalf of our customers.

Subject to lender approval, we are ideally positioned to structure a no deposit equipment loan that suits your business set-up, your accounting methods, your balance sheet approach, your treatment of GST and tax and move you forward to achieving your business goals.

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No Deposit: Explainer

It is important to differentiate no deposit finance from deposits requested from the seller. When purchasing equipment you may be asked to pay a deposit to confirm the sale.

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If purchasing from a manufacturer or dealer, a deposit would usually be requested as their assurance that you are proceeding with the purchase while you arrange your finance. They will be confident to remove those goods from their inventory, prepare the goods for delivery to you and proceed to carry out any necessary customisation to suit your requirements.

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If purchasing equipment at an auction, you will most likely be required to pay a deposit on the fall of the hammer. Requirements will vary across auction houses so if you intend to buy at an upcoming auction, review their terms and conditions beforehand so you are prepared.

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If purchasing equipment from a private seller or another business, they may request full payment to secure the sale or some form of interim deposit to allow you time to arrange your loan.

In these instances, it may be only a holding deposit, ie a credit card imprint, and will be returned to you when your Jade consultant arranges a settlement with the lender.

No deposit finance refers to no deposit being required by the lender who is extending your equipment finance.

  • 100% of the purchase price is included in the finance deal.
  • Subject to individual lender criteria.

Your Jade consultant can negotiate these terms for you, where possible.

There can be significant benefits in no deposit financing. If purchasing high-priced goods, ie machinery equipment worth $100,000+ or even a motor vehicle around $20,000, even a 5-10% deposit payment can represent a significant cash outlay to some businesses.

  • No deposit conserves cash reserves and supports cash flow.
  • No deposit allows 100% of the purchase price to be treated as per your finance type in relation to GST and tax deductibility.
  • The value of goods when the loan term expires should be considered. As good financial management practice, if paying no deposit, you need to be sure that the balloon, residual or buyback amount does not exceed the value of the goods at the end of the loan term.
  • By paying a deposit, you reduce the overall amount of your loan. This may be beneficial in reducing the monthly repayments or the loan term, so you pay off the equipment earlier.

Our consultants are available to discuss your options for a no deposit machinery loan and ready to work with you to achieve your objectives.

To discuss finance options contact Jade Equipment Finance on 1300 000 003.

No Deposit Equipment Loan Calculator

Making use of this calculator is based on the end user’s knowledge and consent that the estimated repayments showed does not suggest a financing quote; it does not imply an application for any finance has actually been lodged; it is not a suggestion that any kind of financing application has been approved. The format of this tool does not allow for particular information concerning any type of specific individual financing application or any lender fees and costs. It is formatted to multiply a general outcome based on basic information as well as amounts solely.


After lodging a formal lending application, the quote and also payment amounts that you may be provided might vary from the loan quote calculated by this device.


The tool is not ideal for computations on funding that are developed on a passion only basis. The formatting is totally established to compound interest for a set amount of time based on the values input by the user.


The calculator is not intended as a tool for financial decision-making. Individuals that need financial advice need to choose a professional monetary advisor in relation to their circumstances. To make an application for finance and get a quote based upon your personal requirements, the user must get in touch with Jade and have their specific application considered by one of our Jade consultants.

Lender Loan Product Interest Rates From Monthly Repayment
Jade Equipment Finance 6.70%Fixed Rate $589.80 MONTHLY
Jade Business Loans - Unsecured 14.95%Fixed Rate $712.91 MONTHLY
Jade Business Loans - Secured 6.85%Fixed Rate $591.92 MONTHLY
Jade Overdraft - Non Bank 14.95%Fixed Rate $712.91 MONTHLY
Jade Chattel Mortgage 6.85%Fixed Rate $591.92 MONTHLY
Jade Operating Leases 6.85%Fixed Rate $591.92 MONTHLY
Equipment Finance
6.70%Fixed Rate $589.80 MONTHLY
Business Loans - Unsecured
14.95%Fixed Rate $712.91 MONTHLY
Business Loans - Secured
6.85%Fixed Rate $591.92 MONTHLY
Overdraft - Non Bank
14.95%Fixed Rate $712.91 MONTHLY
Chattel Mortgage
6.85%Fixed Rate $591.92 MONTHLY
Operating Leases
6.85%Fixed Rate $591.92 MONTHLY

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

We work harder to secure the best rates.

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