80+ lenders, one application
We compare banks and specialist lenders in one go to find the sharpest rate for a higher value vehicle.
108 reviews 5.0
Directors’ vehicle finance that fits.
Choose the car with the finance structure in mind. Your broker explores our 80+ lender panel and explains suitable ownership and business-use options.
- Director and company vehicle options
- New and used cars
- Ownership and loan structure explained
What have you got planned?
Let’s help you fund it.
For directors, executives and business owners, we arrange finance for:
Prestige and luxury sedans
Executive and luxury SUVs
European and performance marques
Company director and pool vehicles
Higher value and imported vehicles
New, used and ex demo vehicles
Dealer and private sale purchases
Refinancing an existing prestige vehicle loan
Example brands and equipment
These director vehicle examples are not a restricted list. A lender will usually place more weight on the chosen asset's age, condition, specification and intended work than its badge.
- BMW
- Mercedes-Benz
- Audi
- Lexus
- Tesla
- Volvo
- Porsche
- Land Rover
- Toyota
What you can buy or refinance
The way this director vehicle is being purchased affects the lender's valuation, available term and security checks.
- executive sedans
- SUVs
- electric vehicles
- company cars
- mixed-use vehicles
- new vehicles
- used vehicles
- refinance
Documents that explain the purchase
These records connect the director vehicle, its total cost and intended work with the business's ability to make the repayments.
- company details
- director identification
- vehicle invoice
- business bank statements
- BAS
- financial statements
- trade-in details
Have something in mind? Let’s talk finance.
Get my free quoteBusiness vehicle finance.
More options. Less legwork.
When you run the business, the car you drive is both a working asset and a reflection of the company. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to fund your director or executive vehicle at a rate that respects an established trading history.
Low doc for established ABNs
A solid trading history can often finance a prestige vehicle without full financials.
Tax effective structures
Chattel mortgage, hire purchase or lease, structured around the company's GST and depreciation position.
Why choose X Lend for business vehicle finance?
Whether it's a prestige sedan, a luxury SUV or a European marque, we arrange the structure, typically a chattel mortgage, so the company owns the vehicle, manages GST and depreciation, and keeps working capital available for the business itself. New, used, dealer or private sale, we handle it discreetly.
Because we compare the whole panel, established ABNs can often finance a higher value vehicle on a low doc basis without full financials. We explain the structure in plain English, flag what affects your rate, and only submit once you're ready to proceed.
Prestige and luxury marques
European sedans, luxury SUVs and performance vehicles, we place deals other lenders shy from.
Discreet and efficient
One point of contact, plain English structure and a process that respects your time.
New, used and private sale
Whether the director vehicle is dealer stock or a private purchase, we reconcile the buyer, invoice, registration and payout details before settlement.
Established ABNs with a clean trading history can frequently finance a prestige or executive vehicle low doc, without full financials, and hold it in the company for GST and depreciation treatment. We'll match the structure to your position and your accountant's advice.
Work out your repayments.
Then find your finance.
Try an amount and term for your business vehicle finance. When you’re ready, we’ll compare the options available to you.
Business vehicle finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The director's personal taxable income appeared low because earnings were retained in the company and paid through distributions, making a salary-only assessment unrepresentative.
Director vehicle finance · Sydney, NSWA director vehicle assessed on company strength, not salary alone
Approved on the first lender enquiry and settled at a historical rate of 7.59%, with a 30% balloon used to manage the scheduled monthly repayment.
- 3 business days turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for business vehicle finance. Your broker helps you prepare the application.
What do lenders look at for business vehicle finance?
A lender wants to know what the director vehicle is, what it will do for the business, how long it should remain useful and whether the repayments are affordable. The details below explain the usual checks and what can help support the application.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for business vehicle finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include prestige and luxury sedans.
- 02
We do the lender research
We help organise company details and director identification and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange business vehicle finance, with a broker to explain your options.
Balloon or no balloon: compare the whole repayment plan
Swipe across the table to compare all columns.
| Option | During the loan | At the end |
|---|---|---|
| No balloon | Higher regular repayments than the same loan with a balloon; the balance reduces faster | The scheduled loan balance is repaid when all payments have been made. |
| A balloon payment | Lower regular repayments, but interest is charged on a larger outstanding balance | A lump sum remains due. Budget for it rather than assuming resale or refinancing will cover it. |
| A shorter term | Higher regular repayments may reduce total interest on otherwise equal terms | Check affordability alongside the total amount repaid, fees and any payout costs. |
Use the calculator to compare the same amount, rate and term with and without a balloon. Refinancing requires a new assessment and is not guaranteed.
A company, trust or individual can have different documentation and tax consequences. X Lend can compare finance; accounting and tax advice should come from a registered professional before the ownership and finance structure are finalised.
The buyer and borrower should align
The invoice, application, registration and intended ownership structure need to be consistent.
Mixed use needs professional advice
Business and private use can affect accounting, GST and fringe-benefit considerations.
Guarantees remain separate obligations
A company borrower may still require director guarantees depending on lender policy.
Vehicle policy still applies
Age, value, type, purchase channel and proposed term remain relevant even with a strong business profile.
Why the asset's age and condition matter
Vehicle age, kilometres, model demand and expected ownership period influence the term and balloon position. In practical terms, this can change the deposit required, how long the loan can run and which lenders will consider the asset.
Servicing, tyres, insurance and replacement timing belong in the ownership budget. These costs need to fit beside the repayments. The loan should also finish within the period the asset is expected to remain useful to the business.
How contracts and supplier payment dates can help
The application should explain the borrower entity, business use and expected ownership period, with tax treatment confirmed separately by the customer's accountant. Contracts, purchase orders and confirmed work can help show how the asset is expected to earn money and when customers are expected to pay.
If the director vehicle supplier needs a deposit, progress payments and a final payment, list each date and amount. This lets the lender reconcile the full purchase cost and arrange the payment stages correctly.
What should I have ready before applying?
- Confirm the legal purchasing entity.
- Describe expected business and private use.
- Ask an accountant about tax and FBT treatment.
- Read any guarantee before signing.
How we can help.
Illustrative examples of how we approach business vehicle finance.
A newer business purchasing director vehicle
The business has a shorter ABN history and confirmed work that requires the director vehicle.
How your broker helps
We identify lenders that can assess recent account history, industry experience and contracted work, then present the purchase as one complete operating proposal.
What to have ready
Business bank statements, GST registration, signed work agreements, the supplier quote and evidence of the operator's experience.
Used director vehicle with age or usage
The chosen asset has material age, hours or kilometres and remains suitable for the work ahead.
How your broker helps
We document condition, service history, specification and resale support, then compare lenders whose end-of-term age policy fits the proposed term.
What to have ready
Service records, inspection details, serial or VIN information, photographs, the invoice and a clear explanation of expected annual use.
Growth purchase with incomplete financial statements
Current work supports the purchase while the latest full-year accounts are still being prepared.
How your broker helps
We list the documents already available, current debts and expected payment timing, then compare lenders that accept that evidence.
What to have ready
Recent bank statements, BAS, management accounts, an accountant letter, contracts, purchase orders and a schedule of existing finance.
A word from your broker.
A director's vehicle can involve company ownership, mixed use and guarantees. We clarify the borrower and asset first, then compare suitable panel options while asking the customer to confirm GST, tax and fringe-benefit treatment with their accountant.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With business vehicle finance
Put the vehicle needed for suitable work into service without waiting to fund the full cost from cash.
Preserve working capital for wages, materials and tax while arranging the vehicle.
Replace an unreliable or unsuitable vehicle before downtime and repair costs increase.
The cost of waiting.
Suitable contracts may be missed when the required vehicle is not available.
An older vehicle can keep creating downtime or repair costs while its replacement is delayed.
Buying the vehicle outright can reduce the cash buffer available for payroll, materials and unexpected costs.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
business vehicle finance.
Your business vehicle finance questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and place your director's vehicle finance with the best fit for the company.
Can I finance a prestige vehicle low doc?
Often, yes. Established ABNs with a clean trading history can frequently finance a higher value vehicle without full financials. We match you to lenders comfortable with prestige and luxury values.
Should the vehicle be held in the company?
That depends on your structure and your accountant's advice. A chattel mortgage lets the company own the vehicle and manage GST and depreciation, we'll explain the options so you can decide with your adviser.
Can you finance imported or high value vehicles?
Yes. We arrange finance for imported, prestige and high value vehicles, matching the deal to lenders comfortable with the marque and value.
How fast can it settle?
Many deals get a decision the same day and settle within 48 to 72 hours once your documents are in.
What brands, models or purposes can business vehicle finance cover?
Common examples include BMW, Mercedes-Benz, Audi, Lexus, Tesla, Volvo. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support business vehicle finance?
A lender may ask for company details, director identification, vehicle invoice, business bank statements, BAS, financial statements. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex business vehicle finance application?
For business vehicle finance, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Chattel mortgages explainedLow doc equipment financeEquipment finance vs a business loanBusiness loan eligibility checkerEquipment finance calculatorRent vs buying calculatorProfessional services financeHealthcare and medical financeAutomotive and mechanical financeHino truck financeTruck financeSmall truck finance
Further readingASIC — credit and lendingAustralian Business RegisterPPSR information for businessesbusiness.gov.au — leasing or buying vehicles and equipmentPPSR — buying a motor vehicle
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026