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Small Business Car Loans | Business Finance Broker
Our commercial lending services and expertise is available for smaller sized enterprises to secure motor vehicle funding that works for their operation. Clients that operate on a smaller scale, work for themself or have low turnover can connect directly with us and take full advantage of having experienced, professional and highly skilled brokers source their credit requirements.
We fully understand the challenges that many in this category and have the lending market coverage, leverage with lenders and the options to achieve affordable outcomes for even micro enterprises. If you don’t meet the approval criteria required by some commercial lending channels due to size, scale, time in operation or turnover, speak with us about how we can assist.
This won't affect your credit score
Competitive Interest Rates on Car Loan for Small Enterprises
Compare Lower Interest Rates on Car Finance for Small Enterprise
Operating on a smaller scale or with lower turnover can mean keeping recurring expenses on track and within budget. When sourcing funding for a motor vehicle purchase, that cab mean achieving target repayments, starting with lower interest rates. We focus on achieving lower rates across our portfolio to ensure affordable asset acquisitions for our clients. Refer to our current rates as a guide and contact us for a specific quote based on your specific purchase.
| Loan Product | Interest Rate | Monthly Repayment |
| {{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
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Disclaimer: This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 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.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 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.
Secure Competitive Car Financing with Expert Support
Get Support to Achieve Affordable Car Loans for Small Enterprise
Having direct access without a referral to our comprehensive broker services overcomes a major obstacle faced by many small-scale operators. That is, access to professional support and assistance and to a much larger coverage of the lender market. Our entire operation is Australian owned and our brokers are all based in Australia.
On the initial contact clients are assigned one of our brokers who has specialist expertise in sourcing credit for their type of operation. Once we have your briefing including details of your enterprise, your financial position and the vehicle you are looking to purchase, we proceed to handle the entire process. That includes sourcing which of our lenders best meets your profile; negotiating on a quote at the lowest rates; structuring the term to achieve an acceptable repayment schedule; and ensuring the overall outcome is optimised to the current tax benefits for asset acquisitions.
We operate utilising smart technology and online facilities to ensure clients in all areas of Australia have full access to our expertise.
- Australian owned and based broker.
- 20+ years commercial lending market experience.
- Comprehensive, thorough broker services.
- Direct contact, referral not required.
- Specialist expertise with small commercial finance.
- Licensed Credit Provider, FBAA Member.
Multiple Lenders for Small Enterprises
Small Commercial Car Loan Solutions from More Lenders
Connecting with more lenders and the right lenders quickly and easily can be crucial to achieving the most affordable rates and outcome. It can take even a large organisation with extensive personnel and resources, considerable time and effort to connect with the right lender. For those with less time, personnel and resources, it can be an insurmountable challenge.
Our services solve those issues for organisations of all sizes through our accreditations with more than 80 lenders. These include non-bank lenders with greater flexibility than some banks and finance companies to approve credit for sole traders and similar sized enterprises. These specialist non-bank lenders often operate only through their selected brokers. Using our services opens those channels and opportunities to our clients.
- 80+ Lenders – more opportunities to connect with the right lender.
- Motor vehicle finance lenders for small commercial car loans.
- Access to more options, more potential for lower rates on small commercial car finance.
Customised Car Finance Solutions
Types of Loans for Small Enterprise Car Finance
Operations of all sizes have access to the same credit products when purchasing new motor vehicles. The decision as to which is the most suitable will depend on:- accounting method; approach to balance sheet and taxation; and the individual objectives of the owner. We highly recommend that operators discuss the selection with their accountant.
All credit products may be used for the purchase of new and used vehicles. We provide funding for all types of vehicles including cab chassis, utes, commercial vans, passenger vehicles, SUVs and wagons. When comparing makes and models, buyers can use our calculator to obtain quick repayment estimates.
- Small Enterprise Car Leasing
- Chattel Mortgage Car Finance for Small Enterprise
- Commercial Hire Purchase Car Loans for Small Enterprise
Tailored Small Enterprise Car Loans for Diverse Set-Ups
Small Enterprise Car Financing Solutions for Wide Range of Set-Ups
We provide solutions for enterprises at various stages of growth, of varying sizes and with varying requirements.
- Small Enterprise Car Loans for enterprises with long history of operation.
- Car Finance for Small Enterprise trading less than 12 months, low turnover.
- Financing Cars for Small Enterprises with less than 20 employees.
- Car Finance for Micro Enterprises.
- Low Doc and No Doc Car Loans for Small Enterprise.
- Owner Operated Vehicle Finance.
Streamlined Car Finance Approval
How to Get Car Finance for Small Enterprise Approved before Purchase
Operators can obtain the confidence to proceed with purchasing new vehicles by getting credit approved beforehand. Having the application approved provides confirmation of the amount approved, the repayments and interest rate so buyers can select a vehicle priced to suit the amount approved.
- Pre-approved small enterprise car loans.
- Fixed interest rate small enterprise car finance.
- Fixed terms, fixed repayments.
- Fast approval – 24 hours.
FAQs
Small Business Car Financing
Yes. Once an application is approved, enterprises of all sizes can select Chattel Mortgage as their choice of credit product. The other options are Lease and Commercial Hire Purchase.
No. Being registered for GST is not a pre-requisite to be approved for motor vehicle funding.
The interest rate offered to individual applicants is subject to lender assessment of the application. Rates vary across the selection of credit products and based on the credit profile and other aspects of the operation.
Owner drivers can seek lenders that offer funding to smaller scale organisations. Once approved, the options include Lease, CHP and Chattel Mortgage.
The term approved for motor vehicle funding is subject to lender approval. Lenders will take into account the amount request, age and condition of the vehicle, the resources and cash flow of the applicant and other aspects in approving a financing term.
Commercial vehicle financing products use the vehicle as primary security against the funds. For many applicants no additional collateral is required. Subject to lender assessment of the application, some micro operators may be requested to provide additional security or a personal guarantee.
Yes. Once approved for motor vehicle funding, all organisations may realise the relevant tax deductions according to the ATO rulings at the time of purchase.
Used and new vehicles can both be purchased with the same selection of credit products – Chattel Mortgage, Lease and Commercial Hire Purchase. The age and condition of a used vehicle will be taken into account. Different rates and terms may apply to used vehicle funding.
Buyers can apply for credit before committing to a vehicle purchase. The application can be processed and approved based on an estimate of the amount required.
Yes. A balloon applies to Chattel Mortgage and Commercial Hire Purchase. It is the amount which is set aside and due to be paid in full after all the monthly repayments have been finalised.
Buyers can use an online credit calculator to compare repayment estimates on different vehicles. The results obtained from these devices are for use as a guide only.
No. Commercial vehicle financing is typically arranged with a fixed interest rate. The rate remains unchanged over the full term of the funding.
