Business vehicle finance

Need a ute, van or truck for the business?

Work vehicles are often the biggest purchase a small business makes. Finance it through the business and keep cash free for the job.

Check your optionsEstimate repayments

For businesses with an ABN, for business purposes only. Finance for personal, household or domestic purposes isn't offered through Circlestone.

Vehicles we can help with

  • Utes and vans for trades and deliveries
  • Light and heavy trucks, prime movers and trailers
  • Cars used mainly for the business
  • New or used, dealer or private sale
Business use only. The vehicle must be used mainly (more than half the time) for the business, and the lender will ask about this. We don't offer personal car loans or novated leases.

Things that affect the deal

  • Time in business: lenders tend to offer more to businesses that have been trading longer
  • Vehicle age: older vehicles can be harder to finance or cost more
  • Deposit, trade-in or balloon: each changes your repayments
Not a standard case? New ABN, patchy trading history, an ATO arrangement, lumpy income or been knocked back elsewhere? Before you apply, send us an email. A real person reads it, and we'll look at your situation and point you to the right partner or option. No promises, but we'll try to find a path.
Email us about your situationHow it works

What you'll be asked

Lenders match on a handful of facts about the business. Having these ready makes the application quicker:

  • How much you need and what it's for (the business purpose)
  • Your ABN and how long it's been active
  • Whether you're registered for GST
  • Roughly what the business turns over each year
  • For equipment or vehicles: what it is, new or used, dealer or private sale, and the price
  • When you need the money
  • Your credit history, and the directors' or owners' details and ID
  • Business bank statements – often linked digitally rather than uploaded

The exact questions come from the LoanOptions.ai application and may differ.

Straight up: Circlestone is a referrer. We don't provide credit assistance or credit advice, and we don't assess whether a loan suits you – LoanOptions.ai and its lenders do that under their own licences, subject to their own criteria, fees and terms. We may receive a referral fee from LoanOptions.ai if your finance settles. Any fees are set by LoanOptions.ai or the lender and shown to you before you sign. See How we get paid.

Check your business finance options

The application is on LoanOptions.ai's own site. Tell it you're after business vehicle finance for the business.

Apply via LoanOptions.ai

Applications are handled by our lending partner LoanOptions.ai, an Australian credit licensee (Australian Credit Licence 543631). Circlestone doesn't see or assess your application.

Business purposes only. Finance for personal, household or domestic purposes isn't offered through Circlestone.

Common questions

Can I finance a vehicle I'll also use privately?
It must be used mainly for the business. Finance for personal, household or domestic purposes isn't offered through Circlestone. If it's mainly for personal use, this isn't the right place.
Can I buy from a private seller?
Often yes, though lenders usually need extra checks on the vehicle and seller.
Is a chattel mortgage available for vehicles?
Yes, chattel mortgages are a common way to finance business vehicles. Hire purchase and leases are also used. The lender will explain the options.

More FAQs →