Business Vehicle & Fleet Finance
Vehicle and fleet finance, sorted around your business.
Cars, utes, vans, prime movers, trailers — one vehicle or a whole fleet. We compare finance with access to a panel of 60+ lenders and structure it to suit how the vehicle earns its keep.
What is business vehicle finance?
Whether it's a single work ute or a growing fleet, the vehicle has to earn more than it costs to run — and the finance should be built the same way.
Business vehicle finance funds the cars, utes, vans and trucks your business runs, with the vehicle itself as the security. Rather than a lump sum leaving the business, you spread the cost over the years the vehicle works for you, and we structure the facility so it sits tidily against your tax position and cash flow. New or used, dealer or private sale, one vehicle or a fleet — the job is to place it where it prices best.
What we finance
- Passenger & SUV — company cars and director vehicles.
- Utes & light commercial — the workhorses that keep trades and services moving.
- Vans & delivery — last-mile, courier and service fleets.
- Prime movers & trucks — heavy vehicles and transport fleets.
- Trailers & specialised — including refrigerated, tipper and custom builds.
Ways to finance a vehicle
| Chattel mortgage | Finance lease | Fleet facility | |
|---|---|---|---|
| Ownership | Yours from day one | Financier's; you use it | Per underlying structure |
| Best for | GST-registered, keeping the vehicle | Cycling vehicles regularly | Multiple vehicles, room to grow |
| Security | The vehicle | The vehicle | The vehicles in the facility |
For fleets we can structure a single facility with capacity to add vehicles as you grow, rather than a new loan every time.
Rates & what drives your pricing
- Vehicle type & age — newer, mainstream vehicles price sharper than older or specialised ones.
- Deposit or balloon — how the repayment is shaped across the term.
- Trading history & turnover — established businesses get the widest choice and best rates.
- Credit profile — the business's and directors' credit standing.
- Lender fit — matching the deal to the right lender's appetite.
Any figures on this page are indicative only and do not constitute a formal finance offer or approval.
Eligibility & what lenders look for
An active ABN, a reasonable trading history, a vehicle the lender is comfortable funding, and cash flow that services the repayment cover most approvals. Low-doc options exist for established businesses, and because the vehicle is the security, property is usually not required. We present the deal to the lender most likely to approve it at a competitive rate.
See your indicative rate & repayment
A personalised outcome in under 90 seconds.
Common questions
What is business vehicle finance?
Business vehicle finance funds cars, utes, vans, trucks and fleets used for business, with the vehicle as the security. You spread the cost over the vehicle's working life and, structured well, keep your tax position tidy and cash flow healthy.
Can I finance a used vehicle or a private sale?
Yes. Many lenders fund used vehicles and private sales, subject to age, kilometres and condition. We place dealer and private-sale vehicles across the lenders we can access.
Can I finance more than one vehicle at once?
Yes. For fleets we can arrange a single facility covering multiple vehicles, with capacity to add more as you grow, rather than a separate loan for each.
Chattel mortgage or lease — which is better?
A chattel mortgage means you own the vehicle and the loan is secured against it, which is popular with GST-registered businesses. A lease keeps the financier as owner and suits businesses that cycle vehicles regularly. The best choice depends on your accounting position and how long you keep vehicles.
Do I need property security?
Usually not — the vehicle itself is the security. Many scenarios have no-property-security options, so your other assets stay free.
What rate will I pay?
Vehicle finance pricing depends on the vehicle type and age, deposit, your trading history and credit profile, and lender fit. Pricing is set per deal, so the eligibility check is the accurate way to see your rate. Any figure here is indicative only and not a formal offer.
Finance tool
Vehicle finance calculator
Estimate monthly repayments on a vehicle purchase — adjust the price, deposit, balloon and term, then get your real indicative rate from the eligibility check.
Vehicle finance calculator
Example rate only — not a DeMarque Finance quote. Your actual rate and eligibility come from the eligibility check.
DeMarque Group Pty Ltd trading as DeMarque Finance. Results are indicative only and do not constitute a formal finance offer or approval. DeMarque Finance is authorised Credit Representative 522568 under Australian Credit Licence 384704. Phone 1300 108 751.
Go deeper
Vehicle & fleet finance guides
Chattel mortgage vs lease
Which structure fits your tax position and how long you keep vehicles.
Lease vs buy
When financing beats paying cash for a vehicle.
Funding a fleet expansion
How we structured finance for a growing logistics fleet.
Choosing the right lease
Matching the lease type to how the vehicle earns.
How asset finance works
The mechanics that apply to vehicles too.
Asset finance made simple
Upgrade without draining working capital.
Your move
See what your business qualifies for.
A personalised indicative outcome in under 90 seconds. No credit check to start, no obligation.
Check your eligibility →