We help you compare loan and lease options from leading Australian lenders, so you can finance a car, van, ute or truck that fits your business.
✅ Finance from $10K to $500K
✅ Flexible terms from 1 to 7 years
✅ Own the vehicle now or at the end
Business vehicle finance helps you purchase or lease a commercial vehicle without tying up your working capital. Whether you need a car for client visits, a ute for the job site, or a van or truck for deliveries — we’ll help you secure the right finance structure with repayments that suit your cash flow.
You can choose to own the vehicle from day one or lease it with the option to buy later.
✅ Access the vehicle your business needs — faster
✅ Finance up to 100% of the purchase price
✅ Choose to own or lease based on tax and usage
✅ Structured repayments over 1 to 7 years
✅ No asset or property security needed (vehicle is the security)
✅ Tradies and contractors needing utes or tool-equipped vehicles
✅ Field teams or sales staff needing cars or SUVs
✅ Delivery or logistics businesses needing vans or trucks
✅ Company owners & managers wanting to finance vehicles via their business
✅ Businesses replacing or refinancing existing vehicles
You’re likely to be eligible if:
✅ You’ve been trading for at least 6–12 months
✅ You are an Australian citizen or permanent resident
✅ You hold an active ABN or ACN
✅ You can provide a supplier/dealer quote or invoice for the vehicle
✅ You can share business bank statements and/or financial statements
📌 Not sure if you qualify? Let’s talk — we’ll guide you through your options.
Let us help you find the right vehicle finance for your business — with support from real lending experts.
Business vehicle finance costs vary depending on the type of finance, the lender and your business profile. Rates and fees are set by each lender, and we’ll walk you through all your options before you make a decision. Here’s what to expect:
Interest rates: From 6.99% p.a. based on credit profile, term length, and vehicle age/type.
Setup fee: Some lenders charge a documentation or origination fee (typically 1%–2%).
Monthly fee: Some lenders may charge a monthly account fee.
Early repayment penalty: Some lenders allow it with interest savings; others may charge a fee.
We'll walk you through all the options - with no surprises.
If you have vehicle finance offers from more than one lender, deciding which one is the best fit for your business comes down to more than the headline interest rate. You need to take into account the following details in reaching your decision:
1. Upfront deposit (if any)
2. Setup / establishment fees
3. Ongoing facility / account fees
4. Tax treatment
5. Early payout conditions
6. Balloon/residual value options at end of term
7. Time to approval and funding
We do all the legwork for you — comparing offers, negotiating terms and helping you make a confident decision.
1️⃣ We assess your needs and gather your business profile information.
2️⃣ If you decide to proceed, we send you a Personal Privacy Consent for signature then ask you to provide required documents such as the vehicle quote or invoice and bank statements and/or financials.
3️⃣ We analyse your business cashflow and shortlist the right-fit products and lenders based on your goals and profile.
4️⃣ We structure & present the deal to matched lenders for pre-approval.
5️⃣ Once we obtain pre-approval(s) we will discuss the available options with you in detail.
6️⃣ You choose the option you're happy with and we will kick-off a formal application with the lender.
7️⃣ If the lender approves the loan, they will send you the rates and key terms
8️⃣ If you are happy with the lender's offer, you sign the loan documents they send you
9️⃣ The loan funds will be paid directly by the lender to the dealer/supplier, or the existing lender if refinancing.
Yes — many lenders allow used business vehicles, typically up to 5–7 years old. Some allow older vehicles with strong credit profiles or added security.
They’re similar — both give you eventual ownership. With a chattel mortgage, you own the vehicle upfront. With hire purchase, the lender owns it until the final repayment. Both offer tax benefits depending on your setup.
Some vehicle loans are available at 100% finance, while others require 10%–20% upfront. We’ll help you choose the best option based on your goals.
Yes — in most cases, leases have a residual or balloon amount that you can pay at the end to own the vehicle. You can also choose to return or upgrade.
Yes — regardless of finance structure, the vehicle will be registered in your business or trading name, or jointly with you as the business owner.
Yes — but it depends on the structure. With a chattel mortgage or hire purchase, you can typically deduct interest and depreciation. With a lease, the full lease payments may be deductible. Speak with your accountant to confirm.
Yes — most lenders allow early repayment. Some offer interest savings, while others may charge a fee. We’ll flag these differences upfront so there are no surprises.
We do not perform credit checks. However, lenders we present your deal to may conduct soft credit checks. If you choose to proceed to an application with a particular lender, the lender will run a full check.
Let us help you find the right vehicle finance for your business — with support from real lending experts.
