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.
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.
- Dual-cab utes
- Vans & couriers
- Work cars
- Tray & canopy fit-out
- Light trucks under 4.5t
- Small fleets
More imagery for this category is on the way — v1 ships with the shots we have.
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.
Worth a read
All resources →Truck refinance for cash flow — when it works, and when it doesn't
Pulling equity out of a truck to fund working capital can be smart or a band-aid. How to tell which, what the rate impact is, and the ATO-debt angle most operators miss.
Hard dealsEquipment finance after a bad year — what credit teams forgive, and what they don't
Drought, a lost contract, a cash-flow hit. One bad year on the financials isn't the end of a finance file — here's what credit teams read into it, and what to put in front of them.
Hard dealsRefinancing equipment with arrears — what's still possible
Behind on an existing contract? It's not automatically a no. What credit teams will still look at, what the rate cost is, and what to do first.
Adding to the fleet?
Tell us the vehicle and the business — we'll have options back fast.