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Lower Rates, Tax-Optimised Commercial Van & Ute Loans

We provide operators with a comprehensive, thorough and detailed service to secure lower rate and funding for new work vehicles. Solutions which are specifically structured to keep overall operating costs on budget, minimise outgoings and optimise tax benefits. All kinds of enterprises can utilise our broker service to achieve a workable outcome – SMEs, large corporates, sole traders, owner-drivers, ABNs, self-employed, across all industry sectors.

Whether acquiring a single delivery vehicle as an owner driver or a fleet of vehicles as a large company; a cab chassis to transport supplies and materials as a tradie or construction worker; buying 4x4s cab chassis for work on the land; growers requiring vehicles to transport produce to markets and customers; retailers purchasing a SWB for local deliveries or a service technician requiring a LWB to cater for gear and supplies; whatever the industry, the operating set-up and the vehicle, buyers can contact us directly for quick quotes, fast approvals and more affordable funding solutions.

Business Finance Lower Rates, Tax-Optimised Commercial Van & Ute Loans
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Lowest Rates on Ute & Van Loans: Compare and Save
Compare Our Lower Commercial Ute & Van Finance Interest Rates

Interest rates are top of mind for anyone seeking credit. When acquiring work vehicles, getting a lower rate can be critical to achieving a repayment schedule that works with cash flow over the full term. We support buyers with lower rates across all the portfolio of options. Rates offered can vary for different applications. Use our current rates as evidence of our capabilities, to compare options and vehicles and call us for a specific quote for your vehicle.

Loan Amount Loan Term
Loan Product Interest Rate Monthly Repayment
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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.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 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.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 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.

Streamlined Commercial Vehicle Loans
Workable Solutions for Commercial Van and Ute Loans thru Expert Brokers

With over 20 years of experience in the commercial lending sector, we have built-up vast market coverage and significant leverage which we utilise to benefit our clients. Our brokers are sharp when it comes to negotiations and with company financials. We prioritise being current with asset acquisition tax rulings to ensure our solutions deliver the optimum benefit to clients and incorporate smart technology for greater precision and speed.

Our services can be accessed by enterprises in all areas of Australia with no referral or going through a third party required. Clients can connect directly with us via phone or online and receive prompt attention, an enthusiastic attitude and an efficient overall service.

  • 20+ years experience in van loans and ute finance.
  • Ute and Van Financing Optimised to Latest Tax Rulings.
  • Australian company – nationwide broker services.
  • Astute financial acumen, highly skilled brokers.
  • Member FBAA, Licensed Credit Provider

Top Lenders for Commercial Loans
Get Access to the Right Lenders for Commercial Van Loans & Ute Financing

The motor vehicle credit market is large and competitive. Rates, terms, conditions and approval criteria vary with different lenders and at different times. Accessing the right lender that is offering the lowest rates at the time, is flexible in negotiating on terms and conditions and offers workable solutions to suit individual application profiles is critical to a successful outcome.

We assist buyers cut the time it can take to survey the market with our accreditations with more than 80 lenders. Many of our non-bank lenders are not accessible directly by owners and operators as they only deal with select brokers such as ourselves. We provide access to this vast market coverage and handle sourcing the right lender and the most affordable option to suit each client.

We address every client on an individual basis and negotiate rates and terms which are customised to work with cash flow and longer-term objectives. Where clients prefer their funding to be sourced from their bank, our brokers will handle negotiations and arrangements with the bank or lender of choice.

  • Access over 80 Lenders – major banks, vast selection of non-bank lenders.
  • The right lender is connected with each client.
  • Van loans and ute financing individually sourced and structured.

Explore Finance Options
Financing Types for Ute & Commercial Van Loans

The credit type can be crucial to realising optimum tax benefits and working with the financial strategy and objectives of the operation. We offer a complete portfolio of options which are suited for both new and used vehicle purchases, all makes and models.

Credit types vary with suitability to accounting methods; interest rates; tax deductions; treatment of GST; balance sheet approach; and ownership of the vehicle over the term. We recommend clients speak with their accountant as to which is the ideal option for their set-up.

  • Chattel Mortgage Commercial Van Finance
  • Commercial Ute Loans with Chattel Mortgage
  • Leasing Business Vans
  • Commercial Ute Lease
  • Commercial Hire Purchase for Utes and Vans
  • Used Van and Second-hand Ute Finance
  • Financing new utes and vans – all makes and models

Comprehensive Commercial Financing
How to Get Commercial Ute Financing for Sole Traders, Self-employed, ABNs

Sole traders, self-employed operators, new enterprises without financials can contact us to discuss the options we have for affordable vehicle funding. With our vast lender connections, we do have lenders that will approve applications for small enterprises and for those that do not meet all the criteria of banks and other lenders.

  • Low Doc and No Doc Ute Finance
  • No Doc Commercial Van Loans
Best Business Ute Loans for Sole Traders, Self-Employed, ABN
Fast Approval for Commercial Ute Financing

Swift Approval Financing - Drive Your Venture Forward!
Get Fast Commercial Ute Loan Approval

If you’re current vehicle requires replacing asap, you need to snap up a limited edition or low stock  model or you’re just want to expedite the new vehicle purchase, we can assist with fast approvals. Apply now for 24 hour approval.

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FAQs
Commercial Van & Ute Financing

Yes. Options are available for all kinds of enterprises. Where an owner driver is a new operator or sole trader and does not meet some lender criteria, they may seek no doc and low doc and sole trader options through specialist lenders and brokers.

The interest rate offered by lenders is based primarily on the assessment of the applying enterprise. Credit profile, risk assessment and other aspects are considered. The size of the vehicle being funded would not typically affect the interest rate. The loan amount requested may have an impact on lender approval.

Cab chassis vehicles can be financed with choice of Chattel Mortgage, Lease and Commercial Hire Purchase. The best option will be the one that suits the accounting method used, approach to tax and balance sheet and other objectives.

Being registered for GST is not essential for approval for commercial lending.

The same credit products can be used for new and used cab chassis vehicles. These are Lease, Chattel Mortgage and CHP. The interest rate, security and other terms and conditions can be different for used compared with new models.

A balloon is an option with Chattel Mortgage and CHP.

Yes. Applications for funding can be submitted and approved prior to the actual vehicle purchase. An indication of the type and price of vehicle being considered will need to be provided.

The purchase of delivery-style vehicles can be funded with the choice of Lease, CHP and Chattel Mortgage.

Interest rates on commercial vehicle funding vary with the type of credit product selected and with individual aspects of the application. Banks and lenders will typically display their best rate for new vehicles and applicants that have full documentation, good credit and meet approval criteria.

Leasing is one of the options available for new operators to purchase vehicles. Deciding if Leasing is the best requires consideration of the accounting method used by the set-up, the balance sheet strategy and other aspects. These issues should be discussed with an accountant.

With commercial vehicle credit products, lenders accept the vehicle as the primary security for the funding. In some cases, lenders may request that some applicants provide additional security. This can be via property, assets or personal guarantee.

All commercial credit products offer tax deductions. With Lease the repayments are fully tax deductible. With CHP and Chattel Mortgage, the vehicle is depreciated in line with applicable ATO schedules. The value of the annual depreciation is tax deductible.

Our Lenders
Trusted by 60+ lenders Australia-wide

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Selfco Leasing
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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