Yes. Most lenders will finance new and used utes, vans, trucks and equipment, as long as the age and condition fit their policy. Older assets may have shorter terms or slightly higher rates, but they can still work well if the numbers stack up.

That depends on your turnover, cashflow and credit history. As a rough guide, we regularly help businesses finance anything from $10,000 up to several hundred thousand dollars per vehicle or piece of equipment. We’ll look at what’s realistic so repayments don’t choke your cashflow.

For low-doc and standard deals, approvals can often be turned around in 24–48 hours once we have what we need. More complex applications (multiple vehicles, trusts, bigger ticket items) can take a bit longer, but we keep you updated the whole way.

Both options exist. Some lenders want tax returns and full financials, while others are happy with bank statements, BAS or an accountant’s letter. We’ll point you at lenders that match how your books are set up so you’re not over-documenting the deal.

Not always. With strong history and equity, many businesses can get up to 100% finance, sometimes including on-road costs. In other cases, a small deposit or trade-in can help get the deal approved or sharpen the repayments.

In short:

• Chattel Mortgage: you own the asset from day one, claim depreciation and interest, popular for GST-registered businesses.
• Finance lease: lender owns the asset, you rent it, often with a residual at the end.
• Hire Purchase: similar to chattel but structured slightly differently for accounting. We’ll walk you through which structure works best with your accountant and BAS/GST setup.

Yes. Many lenders will fund private sales and auction purchases, not just dealer stock. There’s a bit more paperwork (proof of ownership, inspections, etc.), but we handle that side so you can still grab a good deal outside the yard.

A balloon or residual is a lump sum due at the end of the term. It keeps your monthly repayments lower, which can help cashflow. At the end you can pay it out, refinance it, or trade the asset and roll into a new deal. We’ll help set it at a level that makes sense, not one that hurts later.

In most cases, yes. You can usually payout or refinance early, though some lenders charge small break or interest adjustment fees. If you’re upgrading vehicles or gear, we can roll your existing finance into a new package and tidy things up at the same time.

It doesn’t automatically rule you out. Some lenders will still look at recent performance, asset strength and cashflow even if there are a few bumps on the file. We’ll be upfront about what’s realistic and only lodge applications where you’ve got a genuine chance.