Business Vehicle Finance for ABN Holders - Made Easy

A chattel mortgage (often called a business vehicle or equipment loan) is where your business buys the vehicle and the vehicle is used as security for the loan. You typically make regular repayments over an agreed term, and you can often add a balloon to help manage cash flow.

We help sole traders, partnerships and companies Australia-wide. Lenders generally look at factors like your ABN details, business activity, credit profile, and the vehicle you’re buying. Whether you’re a long-established business or newer, we’ll match you with lenders whose criteria fit.

Yes—our commercial vehicle finance covers cars, utes and vans, and we can assist with both new and used vehicles. Your options can depend on the vehicle’s age, condition and supplier (dealer vs private), but we’ll structure it to suit your business goals and cash flow.

In many cases, $0 deposit is available (subject to lender approval). This can help keep cash in the business for stock, wages and growth. Your approval and terms will depend on the lender’s assessment of your business, the vehicle, and the overall deal strength.

Often, yes. Some lenders can fund 100% of the vehicle price and may also consider on-road costs (rego, stamp duty, delivery) and approved extras like canopies, tow bars, racking, signage or fit-out—depending on the application and asset type. We’ll confirm what’s possible upfront.

Terms are typically structured to fit business cash flow, with common options across a few years (and sometimes longer, depending on lender and vehicle). Repayments may be weekly, fortnightly or monthly, and we’ll help set a structure that balances affordability with total interest and your plans for upgrading later.

A balloon payment is a lump sum due at the end of the loan term. A higher balloon can reduce your regular repayments and help cash flow, but it also means you’ll owe more at the end and may pay more interest overall. We’ll model scenarios so it stays manageable.

We aim for fast turnarounds. In some cases we can get an outcome the same day, but generally we set expectations at 24–48 hours, depending on how quickly documents are supplied and the lender’s assessment. We’ll tell you early if your deal needs extra steps (e.g., low-doc).

Document requirements vary by lender, but commonly include ID, business details (ABN/ASIC), and evidence of trading such as BAS, bank statements and/or financials. If your situation is straightforward, the process can be lighter (low-doc). We’ll confirm exactly what’s needed before you apply.

Yes—low-doc options may be available for eligible self-employed customers. “Low doc” doesn’t mean “no doc”; lenders often want a combination of active ABN, ID, and supporting evidence like recent BAS, bank statements, or an accountant declaration, depending on the lender and deal strength.

Yes—without making it the headline, we can still help many applicants with non-perfect credit, depending on the story behind it, current position, and the vehicle/deal structure. We’ll be upfront about what’s realistic and focus on lenders that actually fit your profile, not “one-size-fits-all” options.

Both can be possible. Typically, once approved and documents are signed, the lender pays the vendor (dealer or seller) and you can take delivery. We coordinate the finance steps with your purchase timeline, so you’re not stuck chasing paperwork while the vehicle is waiting.

In many cases, yes. Early payout or refinancing may be available, but fees/charges can apply depending on the lender and whether your rate is fixed or variable. If you plan to upgrade vehicles regularly, we’ll structure the finance with that in mind from the start.