The fast, flexible way to put a new or used van to work for your business without the upfront sting.
A business van loan helps you acquire a commercial vehicle, whether that's a compact delivery van, a high-roof transporter, or a refrigerated unit, while spreading the cost over time.
Most Australian business owners opt for a chattel mortgage, where you take ownership of the van immediately, and the lender secures the loan against the vehicle itself.
You may be eligible for a business van loan if your SME:
Specific criteria can vary between lenders and products.
Keep your cash reserves for day-to-day operations, marketing, or emergency repairs.
You may be able to claim tax deductions for interest charges and vehicle depreciation.
With a chattel mortgage, you own the asset from day one, allowing you to claim GST upfront.
Tailor your loan term and include an optional balloon payment to lower your monthly costs.
Keep your cash reserves for day-to-day operations, marketing, or emergency repairs.
You may be able to claim tax deductions for interest charges and vehicle depreciation.
With a chattel mortgage, you own the asset from day one, allowing you to claim GST upfront.
Tailor your loan term and include an optional balloon payment to lower your monthly costs.
Keep your cash reserves for day-to-day operations, marketing, or emergency repairs.
You may be able to claim tax deductions for interest charges and vehicle depreciation.
With a chattel mortgage, you own the asset from day one, allowing you to claim GST upfront.
Tailor your loan term and include an optional balloon payment to lower your monthly costs.
N/A
$5000
Fast
From 6.99%
7 Long
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.
A balloon payment is a lump-sum payment that’s due at the end of a loan term—commonly used in equipment finance, business car loans, and chattel mortgages. It lowers your monthly repayments but will increase the amount of interest you pay over the course of your loan.
Yes, you absolutely can. Most lenders are happy to finance used vans, as long as they aren't hitting their 'retirement age' (usually 10–15 years) by the time the loan wraps up.
Yes, but some lenders prefer dealership sales. For private sales, they may request an independent inspection or valuation.
Not always. Many lenders offer 100% finance, meaning you can drive away without an upfront cash deposit, though providing one can lower your interest costs.
Generally, yes. If the van is used for business, you can typically claim the interest component of the repayments, as well as the depreciation.
Yes. t can be a bit more of a climb for new startups, but some specialist lenders offer low-doc loans for new ABN holders. Keep in mind, you may need a larger deposit.
Not always, but being GST registered can make it easier to claim the GST on the purchase price back from the ATO.
Since the van acts as security for the loan, lenders do have the right to repossess it if payments stop. That said, it’s a last resort and lenders much prefer to work with you to find a solution first.
This will be a short blurb about the Carpenter and his business and how financing helped his needs etc
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