Van Finance Kalgoorlie

We finance every category of commercial van: cargo vans (Toyota HiAce, Hyundai Staria-Load, Ford Transit Custom and Transit, Mercedes-Benz Vito and Sprinter, VW Transporter and Crafter, LDV Deliver 9 and V80, Renault Trafic, Iveco Daily), refrigerated vans and cold-chain fit-outs, courier vans (last-mile delivery fleets including LDV eDeliver 9 and Ford E-Transit electric), tradie fit-out vans (shelving + drawers + roof rack), mobile-services vans (mobile mechanic, pet groomer, detailer fit-outs), wheelchair-accessible vans (WAV conversions), 8-seat to 12-seat people-movers (HiAce Commuter, Vito Tourer, Caravelle, ID. Buzz, Staria), mini-buses (Coaster), and removalist / man-with-a-van setups. New, used, ex-fleet, dealer or private sale all financeable.

Pre-approval typically comes back inside a business day when your application is complete. Settlement happens once you have signed contracts, the dealer has confirmed delivery and any final lender conditions are met. Specialist asset lenders move faster than major banks on commercial van deals because they assess the van and business income directly rather than waiting on consumer-loan underwriting cycles.

Commercial van finance, strictly. Equifund arranges asset finance for ABN holders against the business: chattel mortgage, finance lease, novated lease and operating lease. This is not a consumer loan. The lender assesses your business income, BAS, trading history and the van as the security asset, not your personal pay slip. Best for sole-trader couriers, tradie service vans, mobile-services operators, refrigerated van operators and small fleet courier / removalist operations.

No. Equifund's specialist lender panel includes options that assess on the asset, your business income and trading history rather than requiring property as security. This matters for sole-trader couriers (Amazon Flex, Uber Eats, AusPost / StarTrack subbies), tradie service van operators, mobile-services contractors and small courier fleet operators who don't want to lock the property folio for a $40k-$80k cargo van.

$0 deposit is available for prime applications, especially established ABN holders with active courier contracts, builder framework agreements, mobile-services contracts or trading history. New ABNs typically need some contribution, but $0 deposit on the right deal is common for ongoing operators with verifiable business income. We can structure trade-in equity from your existing van as deposit on the next one.

Yes. Last-mile delivery couriers funding the next cargo van are one of the most common business-van deals we arrange. The lender assesses on your courier contract income, BAS and trading history (not PAYG), and the van is the asset. Toyota HiAce, Ford Transit Custom, Hyundai Staria-Load and LDV Deliver 9 are the four most-financed courier vans. The LDV eDeliver 9 EV is the fastest-growing electric option for courier fleets.

Yes. Refrigerated vans (HiAce, Transit, Sprinter, Crafter, Deliver 9) plus the refrigeration unit (Thermo King, Carrier Transicold) plus the cold-chain fit-out (insulated lining, shelving, scales, route-tracking) all financeable under one master facility against the contract income. Common asset case for cold-chain couriers, florists, catering operators and pharmacy delivery.

Yes. The cargo van plus the full work-van fit-out (Bedrock / Tradesman Tools / SystemEdge / RhinoPro shelving and drawer systems, roof racks, ladder racks, internal lighting, vinyl wrap and signage) can be bundled into one facility against the ABN. Best for electricians, plumbers, locksmiths, IT installers, audio-visual contractors, glaziers and any tradie running a tools-and-stock van. The fit-out is a depreciable asset alongside the van.

Yes. LDV eDeliver 9, Ford E-Transit, Mercedes-Benz eSprinter and VW ID. Buzz are all financeable through the specialist panel. Note: the federal Electric Car Discount FBT exemption applies to fuel-efficient vehicles under the LCT threshold; many commercial EV vans qualify but the treatment depends on the vehicle's gross vehicle mass (GVM) and configuration. Cargo vans used for commercial purposes are also typically not FBT-applicable in the same way as private-use passenger cars, the deductibility / GST claim flows through as standard business expense. Speak to your accountant for your specific situation.

Three structures. Chattel mortgage: you own the van, claim depreciation and GST upfront, lender holds security over the asset. Best for sole traders and small companies that want the van on the balance sheet. Finance lease: lender owns the van, you make rental payments and claim GST on each payment. Best for companies that prefer the van off the balance sheet. Operating lease: full-service rental with maintenance, registration and insurance bundled, fixed monthly fee. Best for large courier or removalist fleets that want predictable opex and no residual risk. We arrange all three across the specialist panel.

Yes. Used (including ex-courier-fleet, ex-rental, end-of-cycle dealer demonstrators), private sale and dealer-auction purchases are all financeable through the specialist asset lenders we work with. Major banks typically have age cut-offs that knock out older vans; specialist lenders look at the asset condition, kilometres and service history rather than calendar age alone. Ex-courier-fleet HiAce, Transit and Sprinter with verified service history are common asset cases.

Yes. Small fleet courier deals (typically 3 to 15 cargo vans on a 2 to 4 year rotation cycle) are a common asset case for specialist lenders that read fleet trading patterns and BAS directly. Multi-van setups typically run on one master facility against the trading revenue rather than per-van bank applications that slow the rotation. For larger courier or removalist fleets we can bundle insurance, fuel cards, telematics and depot-charger fit-outs for EV fleet rollouts under the same facility.

Low-doc commercial van finance is asset finance approved on a reduced document set, typically BAS, bank statements and the dealer invoice or quote, rather than full financials and tax returns. Best suited to established ABN holders with an active business, trading history and verifiable income who don't have current-year financials prepared. Common for sole-trader couriers, mobile-services contractors and tradie service van operators.

An Australian Credit Licence (ACL) is the ASIC authorisation required to engage in regulated credit activities in Australia. Equifund operates under ACL 389328. This means we are bound by responsible lending obligations and the National Consumer Credit Protection Act when arranging finance.

Yes. Last-mile courier contract income (Amazon Flex, AusPost, StarTrack, DHL, FedEx, Couriers Please, Aramex, plus local same-day couriers and pharmacy delivery contracts) is one of the most common income bases for commercial van finance through Equifund. Specialist lenders on the panel read the courier-contract BAS and trading history directly rather than requiring PAYG income on a director, and structure the deal as a business chattel mortgage on the ABN.

Yes. Van fit-outs from Bedrock, Tradesman Tools, SystemEdge, RhinoPro and the major commercial fit-out installers, including racking and drawer systems, ladder racks, roof racks, internal LED lighting, Thermo King / Carrier Transicold refrigeration units for cold-chain, NDIS / WAV rear-entry conversions, vinyl wrap and signage, can be bundled into one facility against the ABN. The fit-out is a depreciable business asset alongside the van.