Commercial Finance Options

GEM Energy offers low-cost commercial funding options to suit your requirements.

Positive cash flow from day one

GEM Energy is excited to offer eligible customers access to low-cost commercial funding options which suit almost any requirement.

In over 90% of cases, we can provide positive cash flow from day one, leaving no exposure. These low-risk, high-reward loans are available to a range of suitable not-for-profit (NFP), public and private organizations and provide additional benefits such as:

  • Tax deductions;
  • Depreciation;
  • Off & On Balance Sheet finance options;
  • Immediate positive cash flow.

Our financial solutions cover the following components:

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

Option 1 – Small commercial Loan

Small Commercial Loan: $0 – $75,000

  • 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%

Option 2 – Energy Lease

Energy Lease: $75,000 – $1,000,000+

The Energy Lease option with a ten-year term is the preferred choice for large customers with an annual power bill of more than $100,000. Some of our clients have experienced improved cash flow of more than $80,000 per year!

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

  • 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

Option 3 – Power Purchase Agreement

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 at a cheaper rate instead of grid power from the power company
  • System transferable to new owners (good for clubs and motels)

For Information on Pricing and Installation

Get In Touch

What our customers say about us

We are mechanical engineers and were very fussy about the installation. GEM Energy’s team proved to be very professional and the workmanship excellent.
Laureen Kirwan

Director, Down Under Property Investments

We have found the GEM Energy team to be very reliable and the work of a high standard.
Cameron Dean

Gin Gin & Dry

…it wasn’t until we met with GEM Energy Australia that we were confident we were dealing with a compay that had the expertise to get the job done.

Phil Sellwood

CEO, Bundaberg YMCA

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