Car & vehicle finance for business use — keep your team and operations moving
Fund your next vehicle purchase with flexible finance options. From company cars to utes, vans or trucks — preserve cash flow and pay in instalments.
Finance new or used vehicles
Flexible repayment terms up to 7 years
No property security required
Compare Key Features of Car & Vehicle Finance
Learn how trade finance works—how it’s used to pay suppliers, what the terms look like, and whether it suits your supply chain needs.
| Feature | Vehicle Finance |
|---|---|
| Loan Amount | $5,000 to $250,000+ |
| Loan Term | 1 to 7 years (12–84 months) |
| Repayments | Monthly principal & interest repayments; balloon option may be available |
| Security |
Vehicle is used as loan security. No need for property-backed lending. |
| Eligible Vehicles | New or used business-use cars, vans, utes, trucks |
| Best for | Businesses needing to purchase or upgrade vehicles without large upfront costs |
Loan Amount
Loan Term
Repayments
Security
Eligible Vehicles
Best for
Our Trusted Providers
Go Beyond the Basics with Vehicle Finance
More than just a car loan—vehicle finance helps your business grow faster by keeping your team mobile and your cash flow intact.
Free up working capital
Avoid large one-off payments.
Finance lets you spread the cost of new or used business vehicles over 1 to 7 years, freeing up capital to invest elsewhere.
Buying new vans upfront would have drained our working capital. Funding Loop helped us finance the vehicles over 5 years, which meant we could stay mobile and reinvest our cash into growing the business.
Jason Nguyen
Managing Director, Plumbing Business
Upgrade or expand your fleet
Act fast without draining your cash reserves.
Whether you’re replacing a vehicle or scaling for new demand, vehicle finance makes sure you’re ready without waiting to save up.
We picked up a contract that meant adding two more vehicles fast. With Funding Loop, we got pre-approved finance in days — no delays, no cash flow hit. The new vans were on the road the next week.
Andrew Falzon
Operations Manager, Refrigeration
No property security required
Most lenders only require the vehicle as security.
You don’t need to use property or other business assets—keeping your exposure low and your balance sheet flexible.
We needed new utes but didn’t want to tie up the house or other assets. Funding Loop made it simple — the vehicles were the only security needed. It kept things clean and let us grow without added risk.
Daniel Robards
Owner, Electrical Contractor
Eligibility Requirements
To access vehicle finance through Funding Loop, your business must meet these basic criteria.
Annual revenue over A$75K
Vehicle finance typically suits businesses with steady cash flow. You’ll need to show consistent annual turnover—usually with recent bank statements, BAS, or accounting software.
Trading for 6+ months
Most lenders require your business to be registered and trading for at least 6 months. More competitive terms are available to businesses with 12+ months of trading history.
Vehicle used for business purposes
Finance is only available for vehicles used primarily in a business capacity. This includes cars, vans, utes, and trucks used for operations, sales, delivery, or field work.
Ready to Apply?
Get matched with the right Vehicle Finance option in minutes. Our process is simple, fast, and designed for busy business owners.
Share your vehicle details
Let us know what you’re purchasing — new or used — and whether it’s from a dealer or private seller. We’ll collect details like make, model, price, and how the vehicle will be used in your business.
Quick assessment & lender match
We’ll review your documentation (like bank statements and ID) and match you with lenders based on your profile. Most lenders only require the vehicle as security, with no property needed.
Approval & settlement
Once approved, funds are paid directly to the seller. You’ll receive the vehicle and begin repayments based on the agreed loan terms — typically 1 to 5 years, with fixed monthly repayments.
Frequently asked questions
What is Vehicle Finance and how does it work?
Vehicle finance allows your business to purchase a vehicle without paying the full amount upfront. The lender pays the seller (dealer or private), and you repay the loan in monthly instalments over an agreed term (usually 1–5 years).
Can I finance a used vehicle?
Yes — most lenders allow finance for used vehicles, provided they meet certain age and condition requirements. Older vehicles may have shorter loan terms or different conditions.
Do I need to use my home or property as security?
No — the vehicle being financed is usually used as the loan security. In most cases, there’s no need to offer property or other assets.
Can I buy from a private seller or does it have to be a dealership?
You can finance vehicles from either. Private sales are generally accepted, as long as the sale is documented and the vehicle meets lender criteria.
