Car Finance
Business car finance
built for ABN holders.
Whether you're a sole trader or company — we find the right structure for your next business vehicle purchase. Fast approvals from multiple competitive lenders.
Finance that fits your business structure
When you're buying a vehicle through your business, the loan product matters as much as the rate. Low doc / Full doc. Asset backed / Not asset backed. Deposit or no deposit. New business start up. We work through the options, so you end up with a structure that actually works for you.
We deal with lenders who understand ABN-holders, contractors and self-employed operators. That means less paperwork friction and decisions made by people who get how business income works.
Large commercial lender panel
Access to a wide panel of banks and specialist lenders — not just the big four.
ABN-friendly approval
Lenders who understand business owners & self-employed.
Low doc options
Different loan structures — we'll discuss what makes sense for your setup.
Same-day response
Send an enquiry and we'll get back to you with options — usually the same day.
Who this suits
- Sole traders and ABN holders purchasing a work vehicle
- Company or trust structures buying a fleet or single business car
- Tradies who need a ute, van or SUV financed through their business
- Business owners who want to keep vehicle finance separate from personal borrowing
Not sure which structure is right? That's exactly what we help you work through — at no cost.
Business Car Loan FAQs
Got questions? We've got answers.
Plain English. No jargon. Just the stuff people actually ask us.
Do I need an ABN for a business car loan?
Yes, business car finance is generally for people or entities using the vehicle for business purposes, so an ABN is usually required. This may suit sole traders, companies, partnerships and other business structures. We'll help confirm whether a business car loan, chattel mortgage or another finance option is the right fit for how the vehicle will be used.
Can I finance a ute, van or work vehicle through my business?
Absolutely. We can help with finance for utes, vans, SUVs, sedans and other vehicles used for work or business. This can include vehicles for tradies, sales reps, delivery drivers, contractors, field staff and growing teams. We'll look at the vehicle, business use, loan term and repayment structure to help find a practical finance option.
What documents are needed for a business car loan?
Requirements vary by lender, but they may include your ABN, ID, business bank statements, BAS, financials, tax returns, vehicle invoice and details of the business. For some applications, low-doc options may be available. We'll give you a clear checklist upfront so you know exactly what to provide and can avoid unnecessary delays.
Can a business car loan have a balloon payment?
Yes, some business car loans can include a balloon payment. A balloon can reduce regular repayments during the loan term, but it leaves a lump sum to pay, refinance or manage at the end. We'll show you how the repayments compare with and without a balloon so you can decide what works best for your cash flow.
Are business car loan repayments tax deductible?
There may be tax benefits depending on the loan structure, business use, GST registration, ownership and how your accountant treats the asset. We can explain the finance side, but we always recommend speaking with your accountant for tax advice. That way, your finance is set up with your business goals and tax position in mind.
Can new businesses get business vehicle finance?
Yes, it may be possible. New businesses can have fewer financial records, so lenders may look more closely at the directors, bank statements, contracts, industry experience, deposit and asset type. We'll help you understand which lenders may be open to your situation and what can strengthen the application.