Business vehicle finance · Australia-wide
Finance the utes, vans and fleets that keep your business moving
One vehicle or twenty, new or used, dealer or private sale — tell us what you're buying and a real person sets up the finance structure that suits the way your business runs.
No credit check to ask
Finding out what your next vehicle purchase could look like leaves your credit file untouched. A credit check only comes up if you decide to proceed.
One enquiry, not twenty
We don't fire your details at a list of lenders and let them fight over you. One specialist works the deal and matches it properly.
A real person on the phone
Someone who understands utes, vans and fleets reads your enquiry and calls you. Accurate form answers mean the right structure first time.
What are you buying?
Finance matched to the vehicle, not a generic loan
A tray-back ute, a refrigerated van and a sedan for a sales rep all carry different values, lifespans and lender rules. Start with the vehicle.
Ute finance
Ute finance for Australian businesses: chattel mortgage, lease or hire purchase, new or used, plus what lenders check on dual cabs, trays and canopies.
Details →Van finance
Van finance for Australian businesses: small to large panel vans, shelving and fit-outs, one van or a fleet — what lenders check and how to structure it.
Details →Light truck finance
Light truck finance explained: what counts as light vs heavy, licence classes, tippers, pantechs and tray trucks, and what lenders check before approving.
Details →Business car finance
Business car finance for sales reps, pool cars and managers: structures, the ATO car limit, private use and fringe benefits, and what lenders check.
Details →Electric fleet vehicles
Financing electric cars, vans and utes for your business fleet: structures, charging costs, resale questions, and the FBT change for plug-in hybrids.
Details →Fit-out finance
How to finance a ute canopy, van shelving, service body or custom build with the vehicle — and what to do when the fit-out comes from a separate supplier.
Details →Refrigerated vans
Refrigerated van and truck finance for caterers, food wholesalers, florists and pharmacy deliveries: fridge units, insulated bodies and what lenders look at.
Details →Trailer finance
Finance business trailers — box, tipping, plant, enclosed and car trailers — alone or with the tow vehicle. What lenders check and how to plan towing capacity.
Details →Structures, side by side
Chattel mortgage, lease or hire purchase?
The vehicle can be identical — what changes is who owns it, how it sits on your books and what happens at the end. Your accountant decides the tax side; here's the plain-English shape of each.
| Chattel mortgage | Finance lease | Hire purchase | |
|---|---|---|---|
| Who owns the vehicle | Your business, from settlement | The lender, for the whole term | The lender, until the final payment |
| Lender's protection | Security registered over the vehicle | Ownership of the vehicle | Ownership of the vehicle |
| Balloon / residual | Optional balloon | Residual value set at the start | Optional final lump sum |
| End of term | Pay any balloon — it's yours, clear | Pay the residual, refinance or hand back | Final payment transfers ownership |
| Often suits | Owners who want the asset on their books | Businesses that prefer regular rental-style payments | Buyers who want ownership at the end |
Chattel mortgage explained · Finance lease explained · Hire purchase explained · How balloons work
Your industry
Built around the work the vehicle does
Lenders read a courier's bank statements differently from a builder's. Pick your line of work for what matters in your application.
60-second quiz
New, used or ex-lease — which fits your next vehicle?
Four quick questions about how the vehicle will be worked. You'll get a starting point to discuss, not a verdict.
How it works
From enquiry to keys in hand
- 01
Tell us the vehicle
What you're buying, how many, roughly the price and what it's for. About 60 seconds, no credit check.
- 02
A specialist calls you
A real person who knows vehicle finance talks through the purchase, your business and the structure that suits.
- 03
Paperwork, once
We tell you exactly which documents the lender needs — invoice or quote, ID, bank statements — so nothing gets asked for twice.
- 04
Keys in hand
Once approved, the lender pays the dealer or seller and you pick up the vehicle. Straightforward deals can settle the next business day.
Myth-busters
Four things fleet buyers get told that aren't quite right
"I need two years of trading before anyone will finance a ute."
Reality: Plenty of newer ABNs get vehicle finance. A shorter history usually changes the structure, deposit or vehicle age a lender is comfortable with — not whether you can be helped at all.
"A bigger balloon makes the vehicle cheaper."
Reality: It makes the regular repayments smaller. The total you repay is usually higher, because the balloon amount stays owing for the whole term.
"Dealer finance is always the easy option."
Reality: It's convenient on the day. Comparing it with an independent structure before you sign takes one phone call and can change the terms you end up with.
"Buying the whole fleet at once is simplest."
Reality: It's simple on day one and painful five years later, when every vehicle needs replacing in the same month. Staggering purchases spreads the cost and the downtime.
Fleet guides
Run your vehicles like a fleet manager
Replacement timing, running costs and fleet sizing — practical reading before you buy.
Fleet Replacement Cycle: When to Replace Work Vehicles
When should a business replace its utes, vans and cars? Set a fleet replacement cycle by kilometres, age and cost — plus the staggering trick most miss.
Total Cost of Ownership for Business Vehicles
The price is only the start. Work out the total cost of ownership of a ute, van or car for your business — every cost line, a method and the traps to avoid.
How Many Vehicles Does My Business Need?
Too few vehicles costs you jobs; too many costs you money. A practical fleet-sizing method — utilisation, spare capacity and when to add a vehicle.
FAQ
Questions business vehicle buyers ask
Can a business finance more than one vehicle at once?
Yes. Several vehicles can sit under one application, and depending on the lender they can be settled together or one at a time as each vehicle arrives. Tell us how many vehicles, roughly what they cost and when you need them, and we'll work out whether one facility or separate contracts suits you better.
Does enquiring affect my credit score?
No. Your enquiry doesn't trigger a credit check. We only discuss a credit check once you've seen your options and decided to go ahead with an application.
What's the difference between a chattel mortgage, a finance lease and hire purchase?
With a chattel mortgage your business owns the vehicle from day one and the lender takes security over it. With a finance lease the lender owns the vehicle and your business rents it for the term. With hire purchase the lender owns it until the final payment, then ownership passes to you. Each is treated differently for tax, so ask your accountant which suits your business.
How fast can vehicle finance settle?
Approval and settlement can move fast when the tax invoice or quote, your ID and recent bank statements are ready to go. Next-business-day settlement is possible for straightforward applications. Missing paperwork is the most common cause of delay.
Can I finance a used vehicle or one from a private seller?
Often, yes. Lenders look at the vehicle's age, condition and value, and for private sales they usually want proof the seller owns it and that no finance is owing on it. A PPSR search on the vehicle identification number is a sensible first step on any used purchase.
Do I need a deposit or trade-in?
Not always. Some well-established businesses buy without a deposit, while newer businesses or older vehicles may need one. A deposit or trade-in reduces the amount you finance, which our fleet cost planner shows you instantly.
What is a balloon payment?
A balloon (also called a residual) is a lump sum left owing at the end of the term. It lowers the regular repayments because less of the loan is paid down during the term, but you need a plan to pay it, refinance it or trade the vehicle when it falls due.
Do you finance vehicles for personal use?
No. Fleet Car Buyer is for business vehicles only — utes, vans, cars, trucks and fleets used to earn income for an Australian business.
Ready to put the next vehicle on the road?
Tell us what you're buying in about 60 seconds. No credit check to enquire, no list of lenders calling you, and a real person who knows vehicles on the other end.
No credit check to ask
One enquiry, not twenty
A real person on the phone