Vehicle Finance for Business, Made Easy
Need a new ute, van or truck for your business? Access vehicle finance from $5,000 to $150,000 with flexible options, less paperwork and support throughout the process.
No credit check to see if you are eligibleDrive your business forward with the right vehicle.
Whether you’re looking for a ute for the job site, a van for deliveries, or a truck for those heavy lifting tasks — we’re here to secure the funding that keeps your operations rolling.
With flexible terms, access to more than 30 Australian lenders and support throughout the application, financing your next business vehicle can be straightforward. Eligible applications may receive a decision in as little as 24 hours.
Some Examples Include:
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Replacing a worn-out work ute
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Purchasing a refrigerated delivery van
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Adding a second van to grow a courier fleet
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Financing a new truck for a freight route
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Upgrading to fuel-efficient commercial vehicles
Apply Pre-Approvals Now
Get a head start on your business finance with fast, no-obligation pre-approvals.
Flexible options for any stage
Whether you’re just starting out or scaling up, we offer solutions tailored to your business needs.
Request a quote or get fast pre-approval
Choose what suits you—request a personalised quote or secure pre-approval in minutes.
Competitive products for growing SMEs
Access finance options designed to support and accelerate your business growth.
How to apply
Apply for vehicle finance in minutes with a simple process and support from start to finish.
- Apply in minutes
Complete your application quickly with minimal paperwork and no upfront property security required to access up to $150K from SME Online. - Get a fast decision
We’ll call you to explain the process and answer any questions
- Access your funds
Receive your funds within less than an hour from signing your loan documents
Calculate your repayments
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
Frequently Asked Questions
Vehicle finance may be available for utes, vans, trucks, trailers, passenger vehicles and other commercial vehicles used for business purposes. Available options will depend on the vehicle and the lender’s criteria.
Business vehicle finance may be available from $5,000 to $150,000. The amount available will depend on your business profile, the vehicle’s value and the lender’s assessment criteria.
Yes. Finance may be available for both new and used business vehicles. For used vehicles, lenders may consider factors such as age, condition, value and expected working life.
- Identification for the business owners or directors
- Your ABN and business details
- Recent business bank statements
- Financial statements or BAS, where required
- A quote or invoice for the vehicle
Not always. Some lenders may finance the full purchase price, while others may require a deposit, trade-in or additional security. Requirements will depend on the vehicle and your application.
Assessment times vary between lenders. Providing complete business and vehicle information can help avoid delays. Final approval and settlement remain subject to lender assessment and all required conditions being met.
Yes. Some lenders consider vehicle finance applications from self-employed applicants and newer businesses. Eligibility will depend on trading history, revenue, credit profile and the supporting information available.
What our clients have achieved with their finance.
Learn More
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Ready to grow your business?
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
Get a Quote