$71,000 ute and fit-out finance for a sole trader plumber
- Amount
- $71,000
- Asset / purpose
- New dual-cab ute + canopy, racking and tow bar
- Industry
- Plumbing
- State
- QLD
- Business age
- 4 years trading
- Timeframe
- Approved in 24 hours, settled in 5 days
The situation.
A sole trader plumber needed to replace a tired work ute, and the quotes that mattered included $9,000 of canopy, racking and tow bar — which the dealer's finance wouldn't roll into the loan.
Why it was stuck.
Splitting the purchase meant paying the fit-out from working cash in the same month as the deposit the dealer's lender wanted — exactly the cash the business needed to keep.
The structure we arranged.
One chattel mortgage covering the ute and the fit-out together, with no deposit and the term matched to how long he actually keeps his work vehicles. One asset, one repayment, working cash untouched.
The outcome.
Approved next day on a low-doc basis and settled within the week — the ute was fitted out and on the road with the business's savings still in the bank.
Illustrative example — representative of the deals we arrange, not a specific client file. Structures, timeframes and outcomes vary with your profile and the lender.
Reviewed by Corey Marino — Founder & Finance Broker, FBAA & AFCA member
Last reviewed 13 July 2026 · About Corey →