Ute Finance for Tradies & Small Fleets
Specialist ute finance, also known as a dual-cab loan or light commercial vehicle finance, for Australian ABN holders and trade businesses. BAS and trade income assessed directly. Toyota HiLux, Ford Ranger, Isuzu D-Max, Mitsubishi Triton, Mazda BT-50 and Nissan Navara, with tray, canopy or service-body fit-outs bundled into one chattel mortgage, finance lease or operating lease.
- Pre-approval inside 24 hours
- $0 deposit for prime applications
- Wide specialist lender panel
- New, used, dealer or private-sale utes
30-second check. No impact on your credit score.
Choose Your Industry
Choose the category that best describes your finance requirement.
No obligation. Soft credit check only.
Built for Tradies, Backed by Specialists
Whether you are a solo tradie buying your first ute, a trade business standardising a small fleet, or a mobile service operator who needs a reliable dual-cab for daily field runs, Equifund matches you to lenders that read trade income and ABN history correctly.
Who We Help
Specialist finance for every corner of Australian trade and small business.
Solo Tradies Buying Their First or Next Ute
Trade Businesses Standardising a Small Fleet
Mobile Service Operators Working Daily Field Runs
Rural and Regional Trade BusinessesWhy Choose Us
Faster approvals and terms built around your trade business.
Wide Panel of Australian Lenders, Not One Credit Template
We Move Quickly So You Are Not Left Waiting
Trade Income and BAS Assessed Directly
Support for Sole Traders and Complex Profiles
Which Ute Brands Can I Finance?
Australia's most popular dual-cab utes, financed through specialist lenders for prime ABN profiles.
Toyota HiLux
SR, SR5 and Rogue dual-cab and single-cab variants, workhorse reliability with strong resale, financed new or used, plus tray and canopy fit-outs.
Ford Ranger
XL, XLT, Sport and Wildtrak grades, a strong payload and towing package for trade and field-service work, new or used.
Isuzu D-Max
SX, LS-U and X-Terrain grades, a common choice for small fleets standardising on one model, new or used.
Mitsubishi Triton
GLX, GLS and GSR grades, a popular choice for service-body and canopy fit-outs on a competitive price point, new or used.
Mazda BT-50
XT, XTR and GT grades, suited to mobile service operators wanting a comfortable daily field vehicle, new or used.
Nissan Navara
SL, ST and PRO-4X grades, a common pick for rural, regional and remote-site work, new or used.
Plus LDV T60, GWM Cannon, Volkswagen Amarok and RAM 1500. If your brand is not listed, we still finance it.
Which Ute Finance Structure Is Right for You?
Five ways to structure your finance, each suited to a different goal and cashflow position.
Chattel Mortgage
You own the ute from the day finance settles, while your lender holds a mortgage over it as security until the loan is repaid. It is the most requested structure for GST-registered ABN holders, since you can typically claim the GST back on the purchase price and depreciation runs through your own business. Depreciation limits and any car cost threshold depend on the ute's payload rating and business use, so confirm the detail with your accountant. A balloon payment can be added to lower your regular repayments if that suits your cash flow better.
Hire Purchase
The lender owns the ute for the life of the agreement and you make fixed repayments to use it, with ownership transferring to you once the final payment clears. It suits sole traders who want the certainty of a fixed repayment structure, and the GST is spread across your payments rather than claimed as one lump sum upfront.
Finance Lease
Your lender retains legal title to the ute for the term of the lease while you use it in your business, making regular lease payments that are typically fully tax deductible. At the end of the term you can make an offer to buy the ute, refinance the residual, or hand it back, giving you flexibility if your fleet needs change.
Operating Lease
You pay to use the ute for an agreed term, and your lender carries the risk of its residual value, not you. It suits small fleets that like to keep utes current, since bundled servicing is often included and you simply hand the ute back and roll into a newer unit when the term ends.
Unsecured Business Loan
Funds are assessed against your business's trading position rather than security over the ute itself, so you can move quickly on a private sale or older ute a traditional lender might decline. It typically comes with a shorter term and can settle the same day, once your trading history has been assessed.
Depreciation and car cost thresholds set by the ATO. Credit licensing regulated by ASIC.
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move you from application to pre-approval quickly.
Complete the Form in 60 Seconds
Tell us about your trade business and the ute you are financing through our secure online form.
Speak With a Ute Finance Specialist
An Australia-based ute finance specialist reviews your situation and walks you through the documents needed for the lender match.
Get Pre-Approved Over the Phone
You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your trade income actually flows.
Settle the Loan and Take Delivery
Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.
Real Results for Australian Tradies
See how Australian tradies and small business fleets are getting the utes they need, even with complex profiles.
What Other Vehicles Can I Finance?
Equifund finances every major commercial asset class for prime ABN profiles, backed by a wide lender panel.
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Apply for Your Ute Finance
Three quick steps. An Australia-based ute finance specialist gets back to you the same business day.
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Have Questions?
Straight answers to the questions Australian tradies and business owners ask most.
What is ute finance?
Ute finance is a commercial finance product for ABN-holding businesses that need a dual-cab utility vehicle. It is structured as a chattel mortgage, finance lease, operating lease or hire purchase, with the ute securing the loan and the interest and depreciation generally deductible for business use. Equifund sources ute finance through a wide panel of specialist lenders.
Who qualifies for ute finance?
ABN holders with an active trading history of 12 months or more qualify for standard ute finance. Established businesses trading 2+ years qualify for low-doc ute finance, which uses BAS and bank statements rather than full tax returns. Sole traders, partnerships, companies and trusts all qualify, the ABN is your primary assessment basis, not property ownership.
What ute brands can Equifund finance?
Equifund finances all major ute brands in Australia including Toyota HiLux, Ford Ranger, Isuzu D-Max, Mitsubishi Triton, Mazda BT-50, Nissan Navara, LDV T60, GWM Cannon, Volkswagen Amarok and RAM 1500. Both new and used variants across all grades are financeable through the wide lender panel.
Can I finance a used or second-hand ute?
Yes. Equifund finances new, ex-demo, fleet-returned and used dual-cab utes including private-sale and auction purchases. Lender criteria on used utes typically relate to age and odometer; most specialist lenders will finance utes up to 10 years old or 200,000 km at time of purchase. Major banks are often more restrictive on used and private buys.
Is ute finance available for a small fleet?
Yes. Small fleet finance of 2 to 10 vehicles is available as separate individual loans or under a master facility, depending on the lender and the business profile. Fleet structures often allow staggered settlements so vehicles can be delivered progressively. Larger fleets of 10+ vehicles are handled as a commercial fleet account.
What is the difference between a chattel mortgage and a car loan for a ute?
A chattel mortgage treats the ute as a business asset, the lender takes a charge over it while you own it from day one. This can let you claim the GST upfront on your next BAS and depreciate the vehicle for tax, subject to ATO rules. A personal car loan does not offer these business tax treatments. For business use, chattel mortgage or finance lease are the products to compare with your accountant.
Can I claim the GST on ute finance?
Under a chattel mortgage, GST-registered businesses can generally claim the GST on the purchase price on their next BAS. Under a finance lease, GST is recovered through the lease rentals instead. Treatment depends on your business structure and use of the vehicle, so confirm with your accountant before you apply.
Can I get $0 deposit on a ute?
Yes, for prime ABN profiles. $0 deposit ute finance is available when the business has a clean credit file, 2+ years trading history, and the ute is a standard commercial variant. A small deposit may be required for lower-doc or short-ABN-history applicants.
Can I finance a ute tray, canopy or accessories?
Yes. Canopies, trays, toolboxes, service bodies and fit-outs can typically be rolled into the same finance facility as the ute, provided they are permanently fixed to the vehicle. This keeps the transaction simple and avoids a separate personal loan for accessories. Get the accessory pricing from your dealer and include it in your application.
How quickly can ute finance be pre-approved?
Standard ute finance applications from established ABN holders are typically pre-approved within 2 to 4 business hours. Same-day pre-approval is common for prime profiles with clean credit and 2+ years ABN history. A short online application and basic business documents are all that is needed to get started.
How much can I borrow for a ute?
Loan amounts commonly range from around $20,000 for a late-model used ute to $120,000 or more for a new dual-cab with a service body and accessories. Fleet finance of 3 or more vehicles can be structured under a master facility. Loan amount is assessed on the business income and the asset value, not a fixed cap.
What documents do I need to apply for ute finance?
For a standard application: ABN, driver's licence, last 2 BAS statements and last 3 months business bank statements. For low-doc: ABN, driver's licence, 6 months BAS and an accountant's letter or 12 months bank statements. Full financial statements and tax returns are not required for most prime ABN profiles.