Business
Car Finance

A chattel mortgage is one of the most common forms of commercial car loan Australia because it gives your business ownership of the vehicle from settlement. The lender takes a registered interest over the asset while repayments are made. This structure may offer tax advantages depending on your accounting approach, including potential claims on GST, depreciation and interest charges. With flexible terms, predictable repayments and optional residuals, a chattel mortgage suits businesses wanting ownership while maintaining clear cash flow management.

A hire purchase allows your business to use the vehicle immediately while making regular repayments, with ownership transferring to you at the end of the term. During the agreement, the lender owns the asset, and the tax treatment differs from ownership-based structures. This option suits businesses looking for structured repayments without committing to the full purchase upfront, particularly if predictable costs and straightforward accounting treatment are priorities.

A finance lease works similarly to hire purchase but includes a regulated final payment based on the contract length. The lender owns the vehicle for the duration of the lease, and your business pays for its use. This structure suits businesses that prefer stable monthly costs or plan to upgrade vehicles regularly. At the end of the term, you may have options to purchase, refinance or upgrade the vehicle, depending on the lender’s conditions.

A low doc business vehicle loan is designed for businesses without full financial documentation. Approval relies on factors such as business tenure, trading stability and the vehicle being purchased rather than traditional financial statements. This structure is suited to start-ups, sole traders, seasonal operators and businesses with limited provable income. It provides access to business car finance even when paperwork is minimal, allowing operators to move forward with essential vehicles sooner.

Our Find and Finance service helps you source your next business vehicle through our national network of over 180 dealerships. We locate suitable options, compare pricing and negotiate on your behalf at no additional cost. Once you choose a vehicle, we arrange business vehicle finance that matches your preferred loan structure and operational needs, making it easier to secure the right car, van or fleet without the usual stress.