Structures and buying
Business vehicle finance explained
Chattel mortgage, hire purchase, leases, sale and leaseback, refinancing, balloons and how you buy — every option in plain English.
Chattel mortgage
What a chattel mortgage is, who owns the vehicle, how GST credits work, why balloons exist and when it suits an ABN holder buying a ute, van or car.
Read more →Commercial hire purchase
Commercial hire purchase explained: the financier owns the vehicle until your last payment, how GST is claimed and when it beats a chattel mortgage.
Read more →Finance lease
How a finance lease works for a business car, ute or van: who owns it, GST on each payment, the residual at the end and when leasing beats buying.
Read more →Operating lease
Operating and fully maintained vehicle leases explained for Australian businesses: hand-back at the end, bundled running costs and who they really suit.
Read more →Novated lease (employers)
A novated lease explained from the employer's side: the three-way agreement, payroll deductions, FBT, EV exemptions and what happens when staff leave.
Read more →Sale and leaseback
Sale and leaseback explained: sell your owned work vehicles to a financier, lease them straight back and free up cash without losing the keys.
Read more →Refinance a vehicle loan
When refinancing a business car, ute or truck loan makes sense — paying out a balloon, consolidating a fleet or releasing equity — and what to check first.
Read more →Balloons and residuals
What a balloon or residual on business vehicle finance really does: lower repayments, a bigger final bill and a higher total cost — and when it makes sense.
Read more →Dealer vs private sale
Buying a work vehicle from a dealer or a private seller? How GST, finance structures, PPSR checks and settlement change — and what lenders need for each.
Read more →Auction purchases
Buying a ute, van or truck at auction for your business? How to line up finance before you bid, what lenders need and how settlement deadlines work.
Read more →New, used or demo
Should your business finance a new, used or demonstrator vehicle? How age, kilometres, balloons, GST and the instant asset write-off change the decision.
Read more →Low-doc vehicle finance
Low-doc business vehicle finance explained: what replaces tax returns, why GST registration and ABN age matter, and how ABN-only options really work.
Read more →New ABN and start-ups
Just registered your ABN and need a ute, van or truck? How lenders view new businesses, what helps an application and the structures that usually fit.
Read more →Past credit issues
Defaults, late payments or an ATO debt in the past? How lenders look at business vehicle finance with credit problems and what improves your chances.
Read more →Property-backed fleet finance
When a property-secured business loan beats vehicle-by-vehicle finance: funding several trucks, vans or utes at once, older vehicles and harder deals.
Read more →Let's find the best loan for your next work vehicle
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