Ready to Finance Your Business Ute?
Complete the form below.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
$
Enter the approximate amount you’d like to finance.
3%
18%
12 months
84 months
0%
60%
Percentage of the loan left owing as a final lump-sum (balloon / residual).
Estimated repayments
Monthly repayment
$0.00
Approx. weekly
$0.00
Loan amount
$0.00
Interest rate
0.00% p.a.
Term
0 months
Balloon / residual
$0.00
Total repayable (incl. balloon)
$0.00
Estimated interest over term
$0.00
This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
30-second check. No impact on your credit score.
Choose your industry
Choose the category that best describes your finance requirement.
Transport & Logistics
Farming & Agriculture
Construction & Earthmoving
Other
Submitting this form does not lock you into finance.
.svg)
$50M+ in equipment financed
.svg)
3x faster decisions than major banks
.svg)
Dedicated support to find the best solutions
.svg)
ASIC licensed & regulated
.png?width=350&height=442&name=Rectangle%2052%20(20).png)
Trucks
.png?width=350&height=442&name=Rectangle%2052%20(17).png)
Semi-Trailers & Trailers
.png?width=350&height=442&name=Frame%202147227772%20(2).png)
Refrigerated trucks
.png?width=350&height=442&name=Rectangle%2052%20(16).png)
Excavators & Loaders
.png?width=350&height=442&name=Rectangle%2052%20(15).png)
Cranes & Site Machinery
.png?width=350&height=442&name=Frame%202147227772%20(3).png)
Trailer Trucks
.png?width=349&height=442&name=Rectangle%2052%20(19).png)
Tractors & Harvesters
.png?width=350&height=442&name=Rectangle%2052%20(21).png)
Yellow Goods
Skid Steers & Access Equipment
Australia's most popular vehicles
The Toyota HiLux and Ford Ranger are the two best selling vehicles in Australia. Lenders know their values inside out and offer competitive rates.
.png?width=40&name=Group%20(1).png){kind=small}
All brands and configurations
Dual cab, single cab, extra cab, cab chassis. 4x2 and 4x4. Every brand from Toyota to GWM. New and used from all model years.
Tray and canopy builds included
Finance your ute with aluminium tray, steel tray, canopy, toolboxes, bull bar, and other accessories bundled into one loan.
.png?width=40&name=Frame%20(1).png){kind=small}
Tax effective structuring
Chattel mortgage for maximum GST and depreciation benefits, or finance lease for lower payments. Your broker recommends the best structure for your tax position.
-
HiLux SR, SR5, Rogue, GR Sport
-
LandCruiser 70 Series
-
Single cab, extra cab, dual cab
-
Cab chassis and tray builds
-
4x2 and 4x4 drivetrains
-
New and used all model years
-
Ranger XL, XLT, Sport, Wildtrak
-
Ranger Raptor
-
Mazda BT-50
-
Single cab to dual cab
-
Next Gen platform
-
Cab chassis and tray
-
D-MAX SX, LS-M, LS-U, X-Terrain
-
MU-X (if business use)
-
Triton GLX, GLS, GSR, Exceed
-
Single and dual cab
-
4x2 and 4x4
-
Cab chassis available
-
Nissan Navara
-
GWM Ute
-
LDV T60
-
Ssangyong Musso
-
RAM 1500 (if ABN)
-
Volkswagen Amarok
HOW THE PROCESS WORKS
How Business Ute Finance Works
A straightforward process.
01
.svg)
Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
02
.svg)
Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
03
.svg)
Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
04
.svg)
Financing
Secured
Your finance broker will work with you to source the best funding offers available and guide your application to success.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
.svg)
Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
.svg)
Business use
Finance solutions tailored to how your equipment supports daily business operations.
.svg)
Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
.svg)
Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Can I claim GST on a business ute?
Yes. If you are GST registered and the ute is used for business purposes, you can claim the full GST as an input tax cre
What is the difference between personal and business ute finance?
Business ute finance through your ABN offers GST claims, depreciation deductions, and interest deductions that personal
Can I use the ute for personal use as well?
Yes, but the tax benefits are proportional to business use. If you use the ute 80% for business and 20% personal, you ca
Do you finance ute accessories and modifications?
Yes. Trays, canopies, toolboxes, bull bars, suspension upgrades, and other modifications can be included in the finance
What is the most popular ute to finance?
The Toyota HiLux dual cab is consistently our most financed ute model, followed closely by the Ford Ranger and Isuzu D-M
Can I get ute finance with a new ABN?
Yes. Business utes are one of the most commonly financed assets for new ABN holders. Clean credit and a relevant trade o
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805