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Commercial Finance

cash-flowCommercial Solar & Energy Efficiency Finance

Gem Energy are very excited to be able to provide eligible customers access to very low cost commercial funding options to suit any requirement. In over 90% of cases we are able to provide positive cash flow from day 1 leaving no exposure.

These loans are available to suitable NFP, public and private organisations. Our financial solutions are suitable for the following solutions:

  • Energy efficient lighting
  • Energy efficient electric motors, pumps and fans.
  • Industrial refrigeration units
  • Heat exchanges
  • Solar Hot Water
  • Solar Power (Solar PV)
  • Compressed air solutions
  • Variable speed drives

$0 – $50,000

  • Low doc loan options covering 100% of capital cost
  • Available in operating lease (similar to a hire purchase) and chattel mortgage structure
  • Available with 1 – 7 year terms
  • Interest rates vary from 7% – 10%

$50,000 – $75,000

  • Full doc loan options covering 100% of capital cost
  • Available in operating lease (similar to a hire purchase) and chattel mortgage structure
  • Available with 1 – 7 year terms
  • Interest rates vary from 7% – 10%

Positive cash flow$75,000 – $1,000,000+ (Energy Lease)

  • Full doc loan option covering 100% of capital cost
  • Chattel mortgage structure
  • Available with 3 – 10 year terms
  • Interest rates fixed from 3.99% – 5.5%
  • Claim depreciation on the asset

Solar Power Purchase Agreement

  • No upfront capital cost
  • 100% guaranteed immediate reduction in electricity bills
  • System owned and maintained by the finance company
  • Solar power sold to customer instead of grid power at a rate cheaper than the power company
  • System transferable to new owners (good for clubs and motels)

There are additional benefits of these loan structures such as:

  • Tax deductions
  • Depreciation
  • Off & On Balance Sheet finance options
  • Immediately cash flow positive

For large customers with power bills of more than $100,000 per year the Energy Lease is a preferred option with a 10 year term. Some of our customers have experienced improved cash flow of more than $80,000 per year!

The rates starting from 3.99% are only achievable due to the capital being supplied by the CEFC (Clean Energy Finance Corporation) who are a government arm responsible for the investment into renewable technologies.

If you would like a consultation on improving energy efficiency for your business please enter your details below and one of our senior members will be in touch.

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The content on this web page is for general information purposes only and is not to be used as financial advice.