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Other finance solutions
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About SilverChef
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Other finance solutions
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About SilverChef
WHEN IT comes to the supply of beans and coffee machines, the needs and expectations of wholesale customers vary — there’s no one-size-fits-all solution.
Some customers expect a free coffee machine with their coffee purchase (also known as a free on loan coffee machine), while others are more concerned about the cost of the beans or the affordability of the coffee machine.
SilverChef enables roasters to offer their customers a wide range of coffee-equipment solutions, helping roasters win and hold onto customers, sell more coffee beans, and maintain healthy margins.
The equipment solutions we recommend to coffee roasters are usually based on the size of their wholesale customer (see below).
These scenarios are just a general guide. If you'd like help identifying the best solution for you or your coffee customer's business situation or financial position, please contact us.
30kg+ per week
Wants equipment
You buy the coffee machine (and other equipment) at wholesale price and on-sell it to us (including your markup).
You then rent it from us and provide it to your customer as a free on loan coffee machine (which we refer to as ‘Equipment on Loan’).
You build the cost of the rental payments into your bean price.
15–25kg per week
Wants cheaper coffee
You buy the coffee machine at wholesale price and on-sell it to us (including your markup).
Your customer then rents the machine from us.
Because you don’t have any equipment overheads, you can sell your beans for less than you’d otherwise have to charge, thereby meeting your customer’s expectations.
10kg or less per week
Wants advice and support
You sell your beans to your customer at your normal rate and help them get the coffee machine they need.
One of your customer’s options is to Rent–Try–Buy a ‘Certified Used’ coffee machine from SilverChef.
They get an affordable, premium machine, and you get a commission for the referral. A win–win.
Equipment on Loan enables coffee roasters to pay for their customers’ coffee machines in manageable, weekly amounts that are built into the roasters’ bean price.
Our other coffee-equipment solutions help roasters’ customers preserve their working capital, improving their prospects of success.
Our coffee-equipment solutions allow you and your customers to adapt your equipment to the changing needs of your business.
For example, you can upgrade your coffee machine and/or grinder at any time or, after 12 months, return the equipment.
Thanks to SilverChef’s buying power, our coffee-roaster partners get access to amazing wholesale prices from certain suppliers and brands.
This gives our partners a competitive advantage over roasters that don’t partner with us.
We have a team that specialises in helping our coffee-roaster partners maximise their profits by advising them on how to manage their equipment inventory cost-effectively.
Our Coffee team has decades of experience working in and/or owning coffee businesses, so they know where you’re coming from.
Equipment on Loan helps coffee roasters manage their business equipment assets more cost-effectively.
For example, it enables you to upgrade or return equipment, thereby minimising the servicing, repair and holding costs associated with aged or idle assets.
We typically don’t require personal, or director’s, guarantees for Equipment on Loan funding
amounts under $100,000. The finance is almost always secured using the coffee equipment as collateral.
So, if your financial circumstances change and/or you no longer need the equipment, you simply return it to us.
In the process it helps roasters attract and retain more customers, sell more beans, and grow their business with minimal financial risk.
Instead of roasters making large upfront outlays for coffee equipment and taking months, if not years, to recoup that investment, EOL enables them to earn profit from day one.
You buy the coffee machine and other equipment from your preferred wholesaler and apply for SilverChef finance.
Once your finance has been approved, you on-sell the equipment to us.
We buy it for your purchase price plus your markup (e.g. an extra 10% to cover incidental expenses, such as freight and installation).
You rent the coffee equipment from us for a manageable, weekly amount; and supply it to your customer (e.g. café, coffee shop).
You have several options during and at the end of the 12-month rental agreement (see below).
Your customer agrees to purchase a minimum quantity of coffee beans from you, effectively covering your rental payments on the coffee equipment, plus your profit.
Mid-term options
If your customer’s business outgrows the coffee machine or they want a more modern one, you can upgrade the machine to something more suitable for them.
We’ll ask you to return the original machine to us and sign a fresh 12-month rental agreement covering the upgraded machine.
The new agreement will give you all the options you were entitled to under the original agreement.
Customers are responsible for transporting the original equipment back to us and the cost for us to clean and service the equipment so it can be certified and remarketed.
If after renting the equipment you decide you’d like to own it, you can buy it at any time.
We’ll give you back 75% of the net rent you’ve already paid us, to put towards the purchase price.
Unlike other lenders, we won’t slug you with an early repayment fee.
You’ll just need to give us four weeks’ notice of your intention to buy the equipment.
End-of-term options
If your customer’s business outgrows the coffee machine or they want a more modern one, you can upgrade the machine to something more suitable for them.
We’ll ask you to return the original machine to us and sign a fresh 12-month rental agreement covering the upgraded machine.
The new agreement will give you all the options you were entitled to under the original agreement.
Customers are responsible transporting the original equipment back to us and the cost for us to clean and service the equipment so it can be certified and remarketed.
If after renting the equipment you decide you’d like to own it, you can buy it at any time.
We’ll give you back 75% of the net rent you’ve already paid us, to put towards the purchase price.
Unlike other lenders, we won’t slug you with an early repayment fee.
You’ll just need to give us four weeks’ notice of your intention to buy the equipment.
If after 12 months your customer is happy with the coffee equipment, you can continue renting it month-to-month for as long as you need to (all the while continuing to steadily reduce its purchase price).
If you agree to rent the equipment for another 12 months, we’ll reward your loyalty by giving you a 20% discount on your weekly rental payments — enabling you to either offer your customer a discounted price for your beans or increase your profit margin.
These rental payments are 100% tax deductible.*
This Loyalty agreement gives you all the options you were entitled to under the original agreement.
If you’d like to own the coffee equipment, but want to preserve your working capital, you can work towards owning the equipment over another two or three years (Easy Own).
You’ll receive a 15% or 30% discount on your weekly payments respectively.
If you’re not interested in owning the equipment but your customer is, you can assign, or transfer, the Easy Own agreement to them.
If you or your customer’s circumstances have changed or the coffee equipment no longer suits your needs (and you don’t want to upgrade it), you can return it to us when the 12-month rental agreement expires.
You’ll just need to give us four weeks’ notice of your intention to return the equipment.
At the end of that notice period we’ll send you a letter explaining how to get the equipment back to us.
Customers are responsible transporting the equipment back to us and the cost for us to clean the equipment so it can be certified and remarketed.
Why wait?
You or your customer can get approval for up to $65,000 of coffee-equipment funding in under 5 minutes.
Need help weighing up your options? Contact one of our coffee specialists today for a free consultation.
roasters@silverchef.com.au
NSW / ACT
QLD / NT
WA
VIC / TAS
You or your customers can get approval for up to $65,000 of coffee-equipment funding in under 5 minutes. Our application-approval rate is over 96%.
We can pay you up to the recommended retail price (RRP)
set by the equipment manufacturer or agent.
You can add a markup to your asking price (e.g. an extra 10% to cover any incidental expenses you may have incurred, such as freight and installation).
SilverChef reserves the right to assess purchase prices as fair value.
Yes — we’ll fund virtually any type of coffee equipment that helps your roastery make a profit.
This includes not only roasters but other equipment too (e.g. destoners, after-burners, and weighing-and-packaging machines).
If your business’s cash flow is tight and you need some quick cash to relieve the situation, we’ll consider buying equipment you’ve recently bought and renting it back to you under a 12-month agreement.
Not only will your business get an immediate cash injection, you’ll be able to continue using the equipment for manageable, weekly payments that protect your cash flow (under our ‘Buy Back’ scheme).
Equipment on Loan allows you to upgrade your rental equipment at any time. So, if your wholesale account outgrows their two-group coffee machine, say, you can upgrade it to a three-group and return the old one to us — any time, no questions asked.
And if your customer doesn’t want to renew their supply agreement with you, you can return the rental equipment to us after 12 months (assuming you don’t provide the equipment to another customer in the meantime).
Roasters are responsible transporting the equipment back to us and the cost for us to clean the equipment so it can be certified and remarketed.
Our Equipment on Loan funding can be used to cover the cost of installing the wholesale customer’s coffee machine.
However, the funding does not cover the cost of servicing, which is the user’s responsibility.
Yes — we can include the cost of customisation — including painting, lighting, wood finishes, logos and more — into the financed amount.
Still have unanswered questions? See all our FAQs
If Equipment on Loan is not the coffee machine finance option you’re after and you’d prefer a coffee machine lease, Lease-to-Keep may be the solution you’re looking for.
It allows you to pay for the lease coffee machine and other equipment in smaller, monthly instalments over two, three, four or five years. After making the final payment, you own the equipment.
* The ATO has indicated that there are several expenses involved in running a business that could be claimed as a business-related tax deduction. For example, if the expenses relate directly to income earned and are used for a commercial (not personal) purpose. These expenses include operating expenses (e.g. rental payments) and capital expenses (e.g. depreciating equipment). This advice is general in nature and does not consider your personal circumstances. Professional advice should be sought that is tailored to your personal situation.
