Business Vehicle Finance Australia
Work vehicles that pay for themselves.
From utes to vans to a whole fleet — one application, 80+ lenders, and finance that upgrades the business without draining the rainy-day fund.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Finance the wheels your business runs on.
Your vehicles should help the business grow, not tie up the cash it needs to operate. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to fund the ute, van or fleet upgrade at a rate that works for your numbers.
Whether it's a single work ute or a fleet rollout, we arrange the right structure — chattel mortgage, hire purchase or finance lease — so you can manage GST and depreciation effectively and keep working capital free. New or used, dealer or private, we sort it.
Because we're not tied to one lender, we can match low-doc and full-doc options to how your business actually trades. We explain the structure in plain English, flag what affects your rate, and only lodge once you're ready to proceed.
Why finance your work vehicles with X Lend.
80+ lenders, one application
We compare banks and specialist commercial lenders in one go to find the sharpest rate for your business.
Tax-effective structures
Chattel mortgage, hire purchase or lease — structured to suit your GST and depreciation position.
Low-doc options
Established ABNs can often finance without full financials, keeping the process fast and light.
Single ute to full fleet
Fund one vehicle or roll out a fleet, with facilities sized to how the business operates.
Protect working capital
Spread the cost over the asset's working life instead of paying cash and starving the day-to-day.
Fast settlement
Many commercial vehicle deals settle in 48 to 72 hours so the vehicle gets to work sooner.
What you can finance.
If it carries your business, we can usually finance it. We arrange finance for:
- Work utes and tradie vehicles
- Vans and delivery vehicles
- Light trucks and cab-chassis
- Fleet purchases and rollouts
- Passenger and pool cars
- Electric and hybrid commercial vehicles
- Dealer and private-sale purchases
- Refinancing existing vehicle finance
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 vehicle finance with the best fit for your business.
A chattel mortgage means you own the vehicle and finance it against the business, with potential GST and depreciation benefits. A lease keeps it off the balance sheet with fixed payments. We'll explain which suits your situation and accountant's advice.
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 commercial vehicles, handling the checks so the deal settles cleanly.
Many commercial vehicle deals get a decision the same day and settle within 48 to 72 hours once documents are in.
Reviewed by Corey Marino — Founder & Finance Broker, FBAA & AFCA member
Last reviewed 13 July 2026 · About Corey →