The right vehicles and equipment, funded properly.
Business finance for cars, utes, vans, trucks, buses, machinery, equipment and fleets, structured around how your business actually runs.
Pathway FP·01 · Vehicle & Equipment Finance
Who this pathway helps
Asset finance isn't only for large fleets. If a vehicle or piece of equipment is essential to how your business earns its income, there is usually a structure that fits.
- Sole traders and company directors replacing or adding work vehicles
- Trades, construction and transport businesses buying machinery or equipment
- Businesses building or refreshing a fleet
Common uses
The pathway covers most income-producing assets a business might buy, whether it's the first work ute or the tenth truck.
- Business vehicle purchase
- Fleet expansion
- Machinery or equipment acquisition
- Replacement of existing assets
From enquiry to pathway in four steps.
No documents at the first stage, no obligation. A clear process designed to respect your time.
Complete a short assessment
Tell us about your business and what you're looking to fund. No financial documents needed at this stage.
We review the enquiry
A real person, not a scorecard, reads your answers and works out which funding channels fit your position.
Pathways are identified
Suitable options are compared across banks, non-bank lenders and specialist funding partners.
We discuss the next step
You're contacted to talk through the pathway, what's involved and what happens next. No obligation.
What lenders look at
Every lender weights things differently, but most asset-finance assessments come back to the same fundamentals.
Trading history
How long the business has traded, and whether ABN and GST registration are up to date.
The asset itself
Type, age and purchase price all shape which lenders and structures are available.
The wider position
Dealer or private seller, and the commitments the business already carries.
Common structures, in plain English
Chattel mortgage
You own the asset from day one; the lender holds a mortgage over it until it's repaid.
Finance lease
The lender owns the asset and you lease it for an agreed term, with options at the end.
Hire purchase
You hire the asset over the term and own it after the final payment.
Common questions
Straight answers to the questions business owners ask most about vehicle and equipment finance.
Can I finance a vehicle from a private seller?
Yes. Options exist for both dealer and private sales, and lender criteria differ between the two. The assessment asks where you're buying from so we can point you the right way.
Do I need full financial statements?
Not always. Depending on the asset, amount and your trading history, streamlined or low-doc options may be available, particularly for established businesses.
Can I claim GST and depreciation?
Structures such as a chattel mortgage may allow GST input tax credits and depreciation where the asset is used for business. Confirm the tax treatment with your accountant; we don't provide tax advice.
How much can my business borrow?
It depends on the asset, your trading history, turnover and existing commitments. The short assessment frames this up before the first conversation.
Ready to check your options?
About two minutes, no documents, no obligation.
All funding is subject to assessment and the criteria of the relevant lender or funding partner.