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Artisan, Wholesale, Commercial, Retail Bakery Equipment Loans
Whether a new or existing operation, we assist producers and retailers to acquire the machines required to produce a first-class product with affordable, cost-effective funding solutions. Changes in tastes, markets, production processes and techniques can require producers of bread and baked goods to regularly upgrade to new machines to meet market expectations. Our services are available through the full production chain from industrial, commercial and wholesale companies through large and small retailers and for artisan and independent producers and outlets.
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Access Competitive Rates for Your Baking Ventures
Compare Interest Rates on Bakery Equipment Loan
The key ingredient for cost-effective and affordable credit is the interest rate. We start by sourcing lower rates from across our vast lender panel. Rates do vary with different credit products and with different aspects of individual applications. To plan your production and processing machinery upgrades and new acquisitions, use these rates as a guide and call us for a quick, confirmed quote.
| Loan Product | Interest Rate | Monthly Repayment |
| {{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 16/02/2024 and subject to change. Warning: the interest rate is only true 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.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 16/02/2024 and subject to change. Warning: the interest rate is only true 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.
Expert Guidance and Support for Your Finance Needs
Expert Guidance and Support for Your Bakery Equipment Finance Needs
Whether operating on a large industrial scale or a smaller, artisan level, producers, wholesalers and retailers can use our expert lending services to access crafted funding for their operation. We are specialists in the commercial lending sector and work with clients across all industries including food production and retail.
Our role is to handle your funding requirements – identifying the most suitable lender, sourcing the most cost-effective offer, negotiating with lenders on your behalf, structuring the terms, balloon and conditions to best meet your objectives, and assisting with final settlement.
We have been providing operators all over Australia with expert commercial lending services for more than 20 years, including for clients in the food production industry. We know financials, we are across Australian tax and corporate regulatory updates, we have extensive lender connections and we have the enthusiasm to assist clients succeed with their enterprises.
As a fully Australian company, our brokers fully appreciate the economic conditions that our clients are operating under and craft lending solutions specially designed to build sustainable into the operation. No referral is required to use our services – just make the call direct.
- Australian owned – brokers based locally.
- 20+ years of commercial lending experience.
- Superior expertise, sharp financial acumen, up-to-date tax knowledge.
- No referral required, direct contact with specialist brokers.
- Member FBAA, Licensed Credit Provider regulated through ASIC.
Affordable Loans with Specialist Lenders
How to Access Specialist Lenders for Affordable Bakery Equipment Loans
The Australian commercial lending market is extensive and diverse. Clients use our services to ensure they connect with the lender that is best suited to their industry sector and is understanding of the needs of their individual operation.
We have been granted accreditation with more than 80 lenders. That includes the major Big 4 banks as well as specialist non-bank lenders. By using our smart technology and our industry level connections, we quickly identify the most suitable lender for each client.
Having access to more lenders opens up channels to many benefits and opportunities. The opportunity to source the lowest rates on the market, connect with a lender that genuinely knows the food production sector and the opportunity to have funding individually negotiated. Delivering benefits of tailored outcomes that ease cash flow pressure and enable producers to realise productivity gains and increased output.
- Access to 80+ Lenders – major banks and key non-bank lenders.
- Access to lower interest rates and flexible solutions.
- Access to producers across Australia.
Explore a Variety of Loan Options for Your Business
Types of Loans for Bakery Equipment
Producers and retailers requiring funding to acquire new machines, fixtures and other assets required to produce and sell baked goods, have a choice of a number of funding products. These products vary in interest rates, suitability for accounting measures and in the treatment of tax and approach to the balance sheet. Once briefed on the preferred product, our brokers will proceed to source the most appropriate offer.
- Bakery Equipment Chattel Mortgage
- Bakery Equipment Leasing
- Commercial Hire Purchase (CHP) for Equipment for Bakeries
- Rent to Own Loans for Bakery Equipment
Flexible Financing Solutions for Small and Start-up Bakeries - No Financials Required
Small, Start-up, No Financials Solutions Finance for Bakery Equipment
With a growing market for artisan, gourmet, organic and special breads, we see many new operators looking to set-up their own enterprises to craft and showcase their creations to the market. But even with key points of difference in ingredients, taste and techniques with their process, many still face challenges in sourcing the appropriate funding to get started.
Whether planning to sell through retailers, on a small-scale at produce markets or through their own channels, we assist with special solutions to enable new artisans to get a start in the market.
- No Financials Loans for Bakery Equipment.
- Low Doc and No Doc Finance for Bakeries.
- Sole trader, Self-employed
- Start-Up Bakery Equipment Loans.
- Loan for Bakeries and Bakers with Bad Credit.
Tailored Loans to Meet Your Finance Needs
Loan for Bakery Equipment – Structured for Individual Requirements
As your broker, we will be working closely with you and our lenders, to structure outcomes that are crafted to meet your specific objectives.
- Loans for bakery equipment with fixed rates, fixed terms, fixed monthly repayments.
- Negotiated balloon options.
- Repayments negotiated to work with cash flow projections.
- Tax optimised solutions.
- Terms arranged to meet ROI objectives.
- Loans for second-hand bakery equipment.
Bakery Equipment Finance for All Machines, Assets, Fixtures
Operators in the baked goods industry can require a wide range of items for their operation. Whether it be at the industrial, commercial or artisan production level or in wholesaling and retailing. We provide funding options for requirements for production machines as well as storage and display fixtures and support IT and office assets.
- Mixing machines, dough dividers, dough mixers, dough sheeters.
- Intermediate proofers, ovens, warming machines.
- Slicers, cutting tables.
- Cool rooms, storage facilities, racking systems.
- Retail display cases, shelving, fixtures and fittings.
- IT, admin and office equipment.
Fast Application Approval of Loans for Bakery Equipment
Use our calculator to work-up estimates or just call us to start sourcing quotes and offers. If planning to buy at auction, contact us to arrange credit before the event. Fast approvals – within 24 hours for many applications.
FAQs
Bakery Equipment Loans
When acquiring new assets, enterprises have a choice of Commercial Hire Purchase, Leasing, Rent to Own and Chattel Mortgage for their financing. These vary with rates, tax deductions, approach to balance sheet and accounting measures.
Interest rates vary with commercial lending products and with different applicants. Lenders typically advertise rates applicable to new assets for enterprises with good credit. The rate offered to individual applicants can be different from those displayed.
New enterprises just starting our may not always meet the criteria and guidelines for approval by some banks and lenders. If not, they may seek no doc and low doc options through specialist lenders and brokers.
Some lenders will approve commercial credit applications without full financials. Some non-bank lenders do approve funding based on turnover or when additional collateral is supplied. Using a broker may assist in connecting with these types of loans and lenders.
Tax deductions vary with the credit product selected. Lease and Rent to Own allow for the repayments to be fully tax deducted. With CHP and Chattel Mortgage, enterprises can realised a deduction on tax through depreciating the machines under finance.
A wide range of assets required by operators in the baked goods industry may be acquired with commercial credit. This includes the machines to mix, prepare and bake the goods as well as the storage and display requirements. IT and other requirements may also be financed.
Yes. Financing for used machines is available with the same credit products as for new machines. The interest rate and terms and conditions may vary with used compared with new goods.
Yes. Shelving, storage and display units can be acquired with commercial credit products.
The terms for commercial credit are subject to lender approval. In the asset area, terms of up to 7 years may be approved for big ticket items. Applicants can discuss their specific requirements with a broker or lender.
Yes. When purchasing machines at auction, operators can use a credit calculator beforehand to get estimated repayments to use as a guide. Applications for funding can be submitted, offers received and applications approved prior to purchase.
Our Lenders
Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
