Finance question
What fees come with equipment finance?
Usually an establishment fee set up front, and on some facilities a small monthly account fee. There can be a lender-specific charge or a private-sale inspection cost on certain deals. We show every fee before you commit, and as a broker we take no upfront fee from you.
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The short answer
Few fees, and none of them hidden
Equipment finance is deliberately light on fees. The main one is an establishment fee charged once when the facility settles, which covers setting up the loan and registering the security over the asset. It is often built into the finance rather than paid out of pocket.
Some lenders add a small monthly account-keeping fee across the term. Others charge nothing month to month. Because we run across 40+ lenders, we can weigh the fee structure against the rate and the term, so you are comparing the true cost of the deal, not just a headline number.
Our side costs you nothing directly. Ventas is paid by the lender on settlement, so there is no upfront broker fee to you. Any fee that does apply to a deal is laid out before you sign, in plain figures, so there is nothing to discover later. Because we work across 40+ lenders Australia-wide, we can steer you toward the structure that keeps the total cost sensible for your business, rather than the first offer on the table.
What to look for
The fees worth asking about before you sign.
Establishment fee
A one-off setup cost, often financed into the loan.
Monthly account fee
A small ongoing charge on some lenders, none on others.
Security registration
Registering the lender's interest over the asset.
Private-sale checks
An inspection or valuation cost can apply on some deals.
Why the fee picture stays simple
The asset carries the deal
Security in the equipment keeps the structure clean, with fewer add-on costs.
Lenders differ
One lender's monthly fee is another lender's zero. We compare the real cost.
Shown before you sign
Every applicable fee is on the table up front, in plain numbers.
A real example
A builder finances a $60,000 excavator. The deal carries a one-off establishment fee, folded into the loan, and a small monthly account fee. Both are shown before signing, so the repayment is known from day one, with no upfront cost to the builder. Illustrative only.
Common questions
Frequently asked questions
Do I pay Ventas a fee?
No. We are paid by the lender on settlement, so there is no upfront broker fee to you.
Can the establishment fee be added to the loan?
Often yes. Many lenders let you finance the setup fee into the facility rather than pay it up front.
Are there monthly fees on every deal?
No. Some lenders charge a small monthly account fee, others charge nothing. We compare both.
Will I be surprised by a fee later?
No. Every applicable fee is shown before you sign, in plain figures, so there is nothing hidden.