If a vehicle earns you income, you may qualify for business finance — even as a sole trader, ABN holder or new business. We match you with a broker who specialises in work vehicle finance across Australia.
Any vehicle used predominantly for business purposes can typically be financed under a business structure — unlocking better rates and tax advantages.
Business-use cars, SUVs and people movers for directors and staff
Single, dual and extra-cab utes — the backbone of Australian trades
Cargo vans, panel vans, people movers for commercial use
Wheelchair-accessible vehicles and modified transport
EVs and hybrids — often eligible for green finance rates
High-value business vehicles for directors and executives
School buses, charter buses, shuttle and tour vehicles
Multiple vehicles under a single facility — streamlined and cost-effective
Business vehicle finance is specifically designed for people using their vehicle to earn income. That opens up better rates and more flexible terms than personal car loans.
Many sole traders and ABN holders aren't up to date with their tax returns — or haven't been in business long enough to have them. Low doc vehicle finance was built for exactly this situation.
Instead of tax returns, lenders may accept bank statements, BAS statements, or in some cases just your ABN and a declaration of income. Your matched broker will know exactly which lenders suit your situation.
| Business | Personal | |
|---|---|---|
| GST Claim on Purchase | ✓ | ✗ |
| Interest Tax Deductible | ✓ | ✗ |
| Depreciation Claims | ✓ | ✗ |
| Balloon Payment Option | ✓ | Limited |
| Typically Lower Rate | ✓ | ✗ |
* Tax treatment depends on your individual circumstances. Always consult your accountant.
Tell us about the vehicle you need and we'll connect you with the right broker. Free. No obligation. No credit score impact.
For personal vehicle finance, caravans, motorbikes and specialist consumer finance, visit our partners at Finance the Ride — specialists in consumer asset finance across Australia.
Submit a free enquiry and get matched with a business vehicle finance specialist today.
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