Commercial Vehicle Finance Australia

Utes, vans, light trucks, refrigerated vans, service vehicles, tradie trucks, tilt trays and trailers, new or used, dealer, private sale or auction.

Pre-approval typically comes back inside a business day. Settlement happens once you have signed contracts and any final lender conditions are met. Specialist lenders read business income and contracts directly, so they move faster than major banks.

$0 deposit is available for prime applications, especially established operators with active contracts. New ABNs may need a contribution, but $0 deposit on the right deal is common for operators with verifiable income.

Yes. We can assess on your head-contract, the asset and your industry experience rather than requiring years of trading, which is how many sole traders and small operators get approved.

Yes. Used, ex-fleet, dealer demo and private-sale vehicles are all financeable. Major banks apply age cut-offs; specialist lenders look at condition, kilometres and service history.

A chattel mortgage gives you ownership from day one and the GST benefit upfront. Hire purchase spreads ownership over the term. A lease keeps the vehicle on the lender's books with set payments and an optional residual. We match the structure to your tax position and cashflow.

Yes. Seasonal and skip-month structures are common for operators whose income runs against harvest, produce or project cycles. The lender panel includes options that build repayments around how your business actually flows.

Yes. A conditional pre-approval lets you quote the work and commit to the vehicle knowing the finance is in place, then settle once the contract is signed.

Yes. Multi-vehicle and fleet deals are common, funded as a package under a master facility rather than separate loans, which simplifies your repayments and reporting.

Yes. Refinance can lower your rate or restructure a balloon, and sale-and-leaseback frees up equity in vehicles you own outright to fund the next unit.

Yes. A balloon or residual lowers your monthly repayment by deferring part of the value to the end of the term. We will structure it to suit your replacement cycle so it does not catch you out.

Commercial vehicles over one tonne payload are exempt from the ATO car limit, so the full value can generally be depreciated, and a chattel mortgage lets you claim the GST upfront. Confirm your position with your accountant.

An active ABN, recent BAS or bank statements, the vehicle details, and any supply or head-contract agreement. We will tell you exactly what your lender match needs after a quick call.

Yes. We are an Australian commercial vehicle finance team funding operators in every state and territory, from metro trades to regional and remote operators.

Getting a loan for a commercial vehicle works like any ute, van or light-truck finance with Equifund. You apply with your ABN, we assess the business and the asset, then match you across a panel of 80+ specialist lenders. New, used, ex-fleet and private-sale commercial vehicles are funded on a chattel mortgage with $0 deposit for prime applications, with pre-approval typically inside 24 hours.