How to structure it
Finance options and how to buy
Chattel mortgage, lease or hire purchase; balloon or no balloon; new, used, private sale or auction — explained in plain English for business buyers.
Chattel mortgage
What a chattel mortgage is, how it works for utes, vans and cars, balloons, ownership, GST and when it suits a business better than a lease or hire purchase.
Read more →Finance lease
How a finance lease works for business vehicles: who owns the vehicle, the residual value, end-of-lease choices and how it compares with a chattel mortgage.
Read more →Hire purchase
How commercial hire purchase works for business vehicles: the lender owns the vehicle until your final payment, optional lump sums, and how it compares.
Read more →Balloon payments
How a balloon or residual works on business vehicle finance — why it lowers repayments, what it costs overall, how lenders cap it and how to plan for the end.
Read more →Novated vs business-owned
Novated lease or business-owned vehicle? How each works, who pays, who carries the risk, and the questions to take to your accountant before you choose.
Read more →Multiple vehicles
How to finance several vehicles at once: one application or several, staged settlements, how lenders assess fleets and why staggering purchases helps.
Read more →New vs used
Should your business buy new, used or ex-lease? Compare warranty, depreciation, finance terms, vehicle-age limits and running costs before you choose.
Read more →Private sale finance
How to finance a ute, van or truck bought from a private seller: what lenders need, the PPSR check, paying the seller safely and avoiding settlement delays.
Read more →Auction finance
How to finance utes, vans, trucks and ex-government fleet vehicles bought at auction — pre-approval, payment deadlines, buyer's premiums and inspection tips.
Read more →Documents needed
The documents lenders ask for on business vehicle finance — invoice, ID, bank statements, trust deeds, private-sale papers — and how to avoid settlement delays.
Read more →Vehicles for a new contract
Won a contract that needs more utes, vans or trucks? How lenders assess contract-backed vehicle finance, what to prepare and how to time deliveries.
Read more →See what your business could qualify for
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