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Indicative answer under 24 hours

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Forefront Equipment Finance
Light commercial vehicle finance

Work vehicles, sorted fast.

Utes, vans, light commercial and work cars under 4.5 tonne. From your first ute to a small fleet, these are the quick files — and the ones where structure quietly matters most for tax.

15+ yrs broking$100m+ settled30+ lenders 5.0 across 27 Google reviews

Within the hour, business hours. No obligation on either side.

15 minutes on the phone. You'll have:

  • What you can borrow right now, and roughly what it costs
  • Two ways to structure it around how your money actually arrives
  • A straight yes, no or date on the machine you're looking at
  • New, used & private sale
  • Indicative answer under 24 hours
  • How it works
What we finance

Vehicles, new, used, dealer or private.

Utes, vans, light commercial and work cars under 4.5 tonne. From your first ute to a small fleet, these are the quick files — and the ones where structure quietly matters most for tax.

Know the vehicles you're after? Name it and we'll come back with what a lender will actually do.

Send it through
On the tools
Red work ute at the dealership
Silver Isuzu NPR cab-chassis light truck with tray body at the dealership
Charcoal Ram 1500 dual cab pickup in a workshop

More imagery for this category is on the way — v1 ships with the shots we have.

What shapes a vehicle file

We read the file before we pick the lender.

Chattel mortgage, most often

For a work vehicle a sole trader uses, a chattel mortgage usually beats a novated lease — but it pays to know why before you sign.

Ute #1 to ute #3

Adding a second or third vehicle changes you from a sole trader to a small fleet — and the finance shifts with it. We map the step up.

Quick when it's clean

Straightforward vehicle files are some of the fastest we settle. Send the details and you'll often have options the same day.

Before you send it through

Who this desk is for.

Worth thirty seconds — it saves you a call you didn't need and gets the right files moving faster.

Send it through if

  • You've got an ABN — trading now, or just starting with work lined up
  • The gear earns its keep: trucks, plant, ag, fit-out, work vehicles
  • Dealer, auction, or a private sale out of someone's paddock
  • New, aged, or a file another desk has already knocked back

We're not the right desk if

  • It's a personal or household buy — the family car, a caravan, a weekend boat
  • There's no ABN behind the purchase
  • The asset doesn't produce income — this desk funds gear that works

If that's you, don't waste your afternoon on the form — a consumer lender or your own bank will do it better than we can.

Sounds like your file? Two minutes on the form and you'll have an indicative answer inside 24 hours.

Get my finance plan

Worth a read

All resources →
Trucks

Trailer finance — the state-by-state registration quirks that bite at settlement

Buying a trailer in one state and running it in another? The registration and PPSR quirks that surprise first-time buyers at settlement, state by state.

Hard deals

Hard deals — the equipment finance files banks knock back (and how they still get done)

Knocked back by a bank or another broker? New ABN, private sale, arrears, a tight timeline or an unusual asset? Hard files are the work — here's how they still get funded when they're read properly and put in front of the right lender.

Trucks

Trucks #1 to #3 — why the first prime mover is the hardest, and why the third often unlocks fleet finance

The first three truck files are nothing alike. Why truck #1 is the hardest finance you'll write, where the serviceability pinch hits on #2, and why #3 often opens up fleet appetite and bank-style rates.

Start the file

Adding to the fleet?

Tell us the vehicle and the business — we'll have options back fast.

Get a quote