Why get a business ute loan?
- Upgrade or expand their fleet without draining working capital
- Support growing workloads or team expansion
- Access vehicles that meet specific trade requirements
- Customise vehicles with trays, toolboxes, or towing setups
Get the ute your business needs without tying up working capital.

Business ute loans let you buy or upgrade a ute for your operations. You repay it in instalments over an agreed term, rather than having to pay it all upfront.
Ute loans can cover:


Utes often have higher loading height capacity, which is is handy for transporting more, large, or awkwardly shaped items safely.
Utes can be fitted with trays, toolboxes, towing gear, or other trade-specific modifications so your vehicle works exactly the way you need it to.
Modern utes come with safety tech like blind spot monitoring, electronic stability control and anti-lock brakes, helping protect you, your team, and your gear.
Ute depreciation, running costs, and the interest portion of your loan may be tax-deductible. You could also be eligible for the instant asset write-off scheme.
Paying for your ute over time, rather than all at once, frees up cash for day-to-day operations, growth initiatives, or unexpected expenses.
Utes often have higher loading height capacity, which is is handy for transporting more, large, or awkwardly shaped items safely.
Utes can be fitted with trays, toolboxes, towing gear, or other trade-specific modifications so your vehicle works exactly the way you need it to.
Modern utes come with safety tech like blind spot monitoring, electronic stability control and anti-lock brakes, helping protect you, your team, and your gear.
Ute depreciation, running costs, and the interest portion of your loan may be tax-deductible. You could also be eligible for the instant asset write-off scheme.
Paying for your ute over time, rather than all at once, frees up cash for day-to-day operations, growth initiatives, or unexpected expenses.
Utes often have higher loading height capacity, which is is handy for transporting more, large, or awkwardly shaped items safely.
Utes can be fitted with trays, toolboxes, towing gear, or other trade-specific modifications so your vehicle works exactly the way you need it to.
Modern utes come with safety tech like blind spot monitoring, electronic stability control and anti-lock brakes, helping protect you, your team, and your gear.
Ute depreciation, running costs, and the interest portion of your loan may be tax-deductible. You could also be eligible for the instant asset write-off scheme.
Paying for your ute over time, rather than all at once, frees up cash for day-to-day operations, growth initiatives, or unexpected expenses.

N/A
$5,000
Fast
From 6.99%
7 years
3 months
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
Sign your finance documentation and receive funding. It is that simple.
Yes, a ute loan lets you finance both new and used vehicles. Remember to weigh in the pros and cons of each option. For example, financing a new ute often comes with better terms, like lower interest rates, but is overall pricier. On the other hand, used utes require a lower principal loan amount but may come with stricter loan terms.
Business ute loans often cover essential business-related modifications and accessories, like tool drawers, roof racks, and tow bars. Always check your loan agreement to confirm what applies in your case.
Yes, it's possible to upgrade or trade in vehicles mid-loan, including utes. However, early payout fees may apply, and you often have to settle the remaining balance of your loan before you can upgrade.
You don't always need a deposit for a business ute loan, but contributing 10-20% can help reduce your loan amount and total interest. Factors like your business's financial health, credit history, and loan amount will determine whether or not a deposit is required.
Financed utes need to be used primarily for business purposes. This is generally more than 50% of the time, according to the ATO. Some loans may also have conditions on things like off-road driving, towing, or modifications, so check your agreement to make sure it suits your operations.
This will be a short blurb about the Carpenter and his business and how financing helped his needs etc
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