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Lower Rates, Fast Approvals for Commercial Business Car Loans

The motor vehicle lending sector is vast with multiple sources offering credit. Finding the right lender, the lowest rates and workable terms in quick time can be a challenge for even the most astute operators. With great market coverage, industry-level connections and top experts doing the work, we provide a full auto lending service to achieve lower rates and cost-effective solutions without compromising on individual requirements.

We provide a complete product portfolio and a full-service offering to ensure clients get across the market quickly and efficiently to find the funding option that works for their vehicle purchase. Identifying the right lenders, the lowest rates and structuring a tax optimised solution that works with their cash flow.

Business Finance Lower Rates, Fast Approvals for Commercial Business Car Loans
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Find the Best Commercial Car Loans
Compare Our Lower Commercial Business Car Loans Interest Rates

Rates vary across the lending sector and across the credit product range. With our access to huge market coverage and our leverage with key lenders, we can achieve lower rates for our clients. Rates vary with individual applications. Use our current achievable rates as a guide for planning and contact us for a quick quote, sourced and negotiated to meet your specific profile.

Loan Amount Loan Term
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

29 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 29/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

29 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 29/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Calculate and Compare Repayments
How to Use a Commercial Car Finance Calculate to Calculate and Compare Repayments

We provide quick quotes and fast turnarounds of application approvals. But for instant estimates of possible repayments, use our online calculator. It’s free to use and easy to operate. Simply input the values as directed to see estimated repayments in seconds. Vary the amounts to plan how you would like your funding structured. Great for planning and budgeting purposes and comparing different makes and models while browsing online.

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Comprehensive Commercial Car Financing Services
So Much More than Rate Comparisons - Full Service Commercial Car Financing

While some offer rate and credit option comparisons and leave the actual work to find the right loan to customers, we are different. We are a full service vehicle credit company with extensive experience, first-rate brokers and an enviable reputation to delivering the outcomes our clients want to levels that go beyond what they expect.

We have accreditations with more than 80 banks and lenders, giving us direct and high-level access to a vast coverage of what is available across the market. Our expert brokers know the motor vehicle lending sector and use our connections to source the right lender and negotiate the right offer. Providing Australia-wide services utilising the latest tech and resources.

  • Access to 80+ banks and lenders.
  • Full-service specialist auto funding company.
  • Lower rates, flexible terms individually sourced and negotiated.
  • Australia-wide client coverage.
  • New and Used Vehicles.
  • Dealer, private and auction purchases.
  • Pre-approval available.
Commercial Hire Purchase Financing

Extensive Car Financing Lender Network
Get Vast Commercial Car Finance Lender Market Coverage – Quickly, Expertly

Getting credit arranged quickly can be critical to securing the vehicle of choice at the right price. Popular makes and models of work vehicles are always in high demand and often outstrips supply. Our efficient, streamlined commercial model ensures we significantly reduce the time for clients to secure cost-effective vehicle credit. In short – we find clients the right solution from more lenders in a shorter time.

Extensive Coverage of Commercial Vehicle Finance Lenders

Maximise Benefits for Your Venture
Tax Optimised Commercial Car Loan Solutions

Our experts know vehicle lending and they also understand financials. We stay across the latest rulings on Australian taxation requirements for deductions so we can tax-optimise solutions. Structuring solutions to specifically meet the balance sheet objectives of our clients to minimise pressure on cash flow, optimise tax deductions and maximise productivity from their new vehicle.

  • Single Vehicle Funding
  • Entire Fleet Funding Options
Enhanced Business Vehicle Loan Solutions

Versatile Commercial Car Loans
All Types of Commercial Loans for Cars

We work for all kinds of entities and offer a complete portfolio of products to suit all requirements for new and used vehicles:-

  • Chattel Mortgage Car Loans – the versatile option that suits many buyers and many vehicles. Flexible terms, balloon optional. Lowest rate across the portfolio, great tax benefits.
  • Car Leasing – off-balance sheet option that suits specific objectives for many enterprises. Residual included. Terms up to 84 mths/7 years negotiated to deliver cost-effective solutions for high-priced vehicles.
  • Commercial Hire Purchase Car Loans – flexible option to have use of a vehicle without owning until the end of the term. Terms from 1 year to 7 years and attractive tax benefits.
  • Novated Car Lease with Salary Sacrificing – option for employers purchasing vehicles for employees where employee sacrifices part of their salary to cover the costs.
  • No Doc Car Loans – easily sourced solution for buyers without the financials required by some lenders. Fast approvals and choice of credit product. Can suit owner-operators just setting up.
  • Low Doc Car Loans – great option that facilitates workable credit sourced with bank statements and minimal docs. Workable option for newly started operations.
A Variety of Business Auto Loan Options
Business-Optimized Ute Financing

Boost Productivity and Performance
Commercial Use Ute Finance for Productivity and Performance

Cab chassis and utes are the vehicle of choice for not only those in building, construction, agriculture and mining, they represent a versatile and flexible choice for operators in many sectors. The ute may do double-duty on weekends, but as long as it meets ATO criteria as an asset for the operation, we can secure credit to suit. We handle funding for all the popular makes and models, both new and used. Structuring funds to work with cash flow and deliver productivity to the operation.

If you’re working on a farm or property in a remote area of Australia or on site in the middle of a CBD, our services are available Australia-wide for easy access from all areas of the country.

Comprehensive Commercial Car Loan Brokerage Services
Get More than a List of Rates with our Commercial Car Loan Broker Services

While using online tools and resources is extremely useful, our service delivers an edge with our combination of the latest technology and online accessibility and direct access to experts. Using our broker services, buyers have the vast lender market covered, the tricky lender negotiations handled and the individual attention specific requirements addressed. All while they make the final decisions. Don’t just browse the market to compare rates and options. Get in-depth analysis and coverage and outcomes suited to your needs and preferences delivered.

Services Provided by Commercial Vehicle Loan Brokers

Tailored Commercial Financing Solutions
Solutions for Buyers with Special Commercial Finance for Cars Requirements

Affordable, workable options are available for ABN Holders to acquire the vehicles they need for their operation. We have lenders that approve applications based on turnover so full documentation not always required. This category of credit can suit many buyers that are facing challenges meeting every criteria in an application form. Delivery drivers, owner operators, construction contractors, tradies and many others operating with an ABN. We handle the lender communications and negotiations so you don’t have to spend your income-generating time sourcing vehicle credit.

Commercial vans are an extremely popular vehicle for a wide range of operators. Tradies, couriers, retailers, fresh produce growers and wholesalers, florists, service technicians and a multitude more. Our comprehensive portfolio of products offers van buyers with a plethora of options to suit their van and their operation. Our experts are across the current tax rulings so we can structure the funds to deliver the most effective outcomes for all set-ups.

Being self-employed is dream ‘job’ for many Australians. But ‘working the dream’ can become a nightmare when credit is needed for a new vehicle. We keep the dream alive with our range of options for self-employed operators. Facilitating affordable credit for owner drivers, freelancers, contractors, tradies, IT outsourcers and the many other self-employed operators in Australia. We have access to lenders that support self-employed operators with attractive terms and rates on vehicle credit.

We support operators when starting up a new venture with access to lenders that also share our attitude and approach. Whether you’ve only had an ABN for one day and need that vehicle as an integral part of the operation or if you have been operating for a relatively short time, we’re available to assist. Our experts are ready to source the right lender and the most workable solution that will spearhead your operation. To allay any concerns about getting approved, applications can be processed prior to purchase so buyers have the confidence to buy, knowing their funding is confirmed.

We understand that ‘small’ doesn’t mean insignificant, unsuccessful or a bad risk. Small enterprises encompass the majority of Australian entities and we appreciate their significance and the diversity of their interests. As an Australian owned and operated company, we have an in-depth and first-hand knowledge of the workings of small enterprises and know what credit options will work for them. Small operators can have confidence that will work hard to secure them a cost-effective solution.

Poor credit can present major issues for operators when credit is required. Workable options may be available through our specialist lenders. Our non-judgemental, understanding experts will listen to the circumstances of your individual situation and endeavour to source a cost-effective offer.

Enterprises require a whole range of different kinds of vehicles for the operations. We provide lending that covers all kinds of vehicles, both new and used, purchased through dealers, private sellers and at auction. Passenger cars, SUVs, utes, vans, sedans, wagons, cab chassis and hatches can all be financed through our expert services.

Commercial vans are an extremely popular vehicle for a wide range of operators. Tradies, couriers, retailers, fresh produce growers and wholesalers, florists, service technicians and a multitude more. Our comprehensive portfolio of products offers van buyers with a plethora of options to suit their van and their operation. Our experts are across the current tax rulings so we can structure the funds to deliver the most effective outcomes for all set-ups.

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FAQs
Commercial Business Car Loans

Operators have a choice of several products when applying for funds for a new vehicle. The selection includes Chattel Mortgage, Commercial Hire Purchase and Leasing. Novated Leasing with salary sacrificing is also available where employers purchase a vehicle for an employee and the employee sacrifices part of their salary.

Yes. Holding an ABN is essential to be eligible for commercial lending. Options can be sourced from specialist lenders for those that have been operating with an ABN for some time or have only received their ABN recently.

Yes. Self-employed operators, contractors, freelancers, outsources and gig workers can all be eligible for funds for vehicles. Operators must hold an ABN. Where an operator does not have all the financials, they may seek options for low and no documentation products through brokers or specialist lenders.

The tax deductions vary for different credit products. With Chattel Mortgage and CHP the deduction is realised through depreciation of the vehicle. With Leasing the repayments are tax deductible. Interest on all products is deductible.

The rates advertised by lenders will be the best available for new vehicles and operators with good credit. Lenders assess applications individually and offer the appropriate rate based on their assessment of the application. The rates vary with different credit products.

Yes, through some lenders. Some lenders will have a minimum trading time for applicants to be approved. It may be 12 months or 2 years. There are lenders that will approved funds for new start-ups. The personal financials of the owner may be included in the application assessment. Additional security may be required.

Where an operator does not have the full documentation to complete the application form for some lenders, they may seek Low Doc and No Doc options. These are offered through specialist lenders which may be accessed by brokers.

Yes. Owner operators that hold a current ABN can be eligible for funds for vehicles. The amount of documentation supporting the application can enhance any offer made.

The features of credit products vary with suitability to the cash or accruals method of accounting, balance sheet strategy, tax approach and general objectives. It can be advisable for operators to consult with their accountant when making the selection.

Buyers can use an online calculator to derive rough repayment estimates. These tools are available online at the websites of lenders, brokers and others that offering vehicle credit. They are esy to use but only provide an estimate for planning and budgeting purposes. The results are not a quote or offer.

Yes. Credit applications can be submitted prior to purchasing vehicles. Applicants will need to provide details of the vehicle and loan amount to ensure a specific offer can be received. Approval can be received based on the amount requested and the exact amount finalised after purchase. Pre-approved credit is usually obligation-free.

The interest rate for credit on new and used vehicles can vary. The lender will take into account the age and condition of vehicles when arriving at the interest rate offer. Rates advertised are usually for new vehicles.

Funding is available for all types of vehicles that will be primarily used in an enterprise and meet ATO criteria as an asset. That can include SUVs, utes, sedans, vans, wagons and others. The same credit products are available for purchasing all types of makes and models.

Interest rates for funding for vehicles vary with the credit products available and based on the individual details in the application. Chattel Mortgage and Commercial Hire Purchase attract a lower rate than Leasing.

Terms of up to 7 years can be available for funding for motor vehicles. The term is subject to lender approval and would be offered dependent on the risk assessment of the applicant and the amount requested.

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Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific