The ute that pays for itself.
Tradie-ready wheels without the cash-flow hit — one application, 80+ lenders, and a chattel mortgage structured around how your business trades.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Finance the ute your business runs on.
A work ute is a tool, not a trophy — it should be earning on-site, not draining the account you need for materials and wages. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to fund your ute at a rate that suits how the business actually trades.
Whether it's a dual-cab for the crew, a single-cab tray for the tools or a 4x4 for the sites the sealed roads don't reach, we arrange the structure — most often a chattel mortgage — so you own the ute, manage GST and depreciation, and keep working capital free. New, used, dealer or private sale, we sort it.
Because we're not tied to one lender, we can match low-doc options to established ABNs and full-doc deals to newer businesses. We explain the numbers in plain English, flag what moves your rate, and only lodge once you're ready to proceed.
Why finance your ute with X Lend.
80+ lenders, one application
We compare banks and specialist commercial lenders in one go to find the sharpest rate for your ute.
Chattel mortgage structures
Own the ute and finance it against the business, with GST and depreciation handled the tax-effective way.
Low-doc options
Established ABNs can often finance without full financials, keeping the process fast and light.
Dual-cab, single-cab or 4x4
From a tradie's tray to a crew-carrying dual-cab, we finance the ute the job actually needs.
New, used and private sale
Dealer floor or a private buy — we arrange finance and handle the checks so it settles cleanly.
Fast settlement
Many ute deals get a same-day decision and settle in 48 to 72 hours, so it's on-site sooner.
What you can finance.
If it turns up to the job, we can usually finance it. We arrange finance for:
- Dual-cab utes for the crew
- Single-cab tray and cab-chassis utes
- 4x4 utes for off-road and remote sites
- Utes with canopies, trays and fitouts
- Sole trader and subcontractor vehicles
- New, used and ex-demo utes
- Dealer and private-sale purchases
- Refinancing an existing ute loan
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare 80+ banks and non-bank lenders and place your ute finance with the best fit for your business.
For most tradies and sole traders, yes. A chattel mortgage means you own the ute and finance it against the business, with potential GST and depreciation benefits. We'll explain how it works so you can confirm it with your accountant.
Often, yes. Established ABNs can frequently access low-doc options without full financials. We match you to lenders comfortable with your trading history.
Yes. We arrange finance for used and private-sale utes, handling the checks and payout so the deal settles cleanly.
Many ute deals get a decision the same day and settle within 48 to 72 hours once your documents are in.