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 →Bank vs non-bank equipment finance — what the 200bps actually buys
For a lot of deals the real choice isn't bank or non-bank — it's whether chasing a marginal bank approval for weeks beats going straight to a lender that wants the deal. What the rate gap actually costs, and why downtime usually costs more.
Fit-outWorkshop fit-out finance — chattel mortgage vs commercial lease vs operating lease
Three ways to fund a fit-out, and how each lands on tax and the balance sheet. A plain-English read for trades, hospitality and retail.
AgricultureAg machinery finance — the seasonal repayment options most brokers skip
Farm cash flow doesn't run monthly. The seasonal, annual and skip-month repayment structures that line equipment finance up with how the year actually pays.
Adding to the fleet?
Tell us the vehicle and the business — we'll have options back fast.