Business Vehicle Finance.
Your vehicles work for the business - the finance should too. Chattel mortgage, hire purchase, lease or novated: we run it across 60+ lenders and handle everything through to settlement.
Get a free quote
Won't affect your credit score.
What can we help you with?
What We Offer
Business vehicle finance - every structure explained
Each structure hits your tax, ownership and cash flow differently. Here's the menu - we'll tell you which one fits.
Vehicle Leasing
Use the vehicles without the upfront hit. Lease packages can bundle maintenance, and the depreciation risk stays with the lender.
Hire Purchase
Fixed repayments over the term, ownership at the end. Simple, predictable, easy to budget.
Chattel Mortgage
You own the vehicle from day one, with the vehicle as security. GST claimable upfront, interest and depreciation deductible.
Novated Lease
A three-way deal between you, your employee and the financier. One of the cheapest ways to put staff in cars - and a genuine retention tool.
Fleet Management
We run the fleet admin - servicing, planning, renewals - so multiple vehicles don't mean multiple headaches.
Equipment Finance
Need gear as well as wheels? Upgrade or replace equipment without draining cash flow - same panel, same process.
The Process
How to get business vehicle finance - from first call to funded
Tell Us What You Need
The vehicle, your business, your preferred structure. Five minutes, no credit check.
We Search 60+ Lenders
We compare the whole panel and come back with the sharpest rate and terms for your profile.
Get Approved & On the Road
We handle the paperwork and chase the lender. Most approvals land in 24-48 hours.
Run The Numbers
Calculate your business vehicle finance repayments
Enter your loan details
Estimated repayment
$1,024.58 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Asset Types
What can you finance with business vehicle finance?
If you can use it to run your business, we can likely finance it. Here's what we work with most:
Don't see your asset type? Get in touch - we finance a broad range of commercial equipment and vehicles. Financing an electric vehicle? See our business EV finance page for FBT-exempt novated leasing.
Requirements
How to Qualify for Business Vehicle Finance
Most Australian businesses qualify. Here's what lenders want to see.
- Registered business in Australia
- Minimum 6 months trading history
- Good credit history
- Tax File Number (TFN)
- Recent financial statements or BAS
- Proof of business ownership
Don't tick every box? Talk to us anyway - we work with specialist lenders who take on start-ups, low-doc and adverse credit.
Not sure if you qualify?
Tell us your situation and we'll give you an honest assessment - no obligation, no credit check just to chat.
Get a Free AssessmentWhy Finance?
Why most businesses finance their vehicles
GST Back on Your Next BAS
Buy under your ABN and claim GST credits upfront, plus depreciation and interest deductions.
Pick How You Own It
Chattel mortgage, hire purchase, lease or novated - whichever suits how you want to own and deduct.
Newer Vehicles, Sooner
Get into current models without the big capital outlay.
Your Cash Stays in the Business
Spread the cost over the term and keep working capital where it earns.
Maintenance Without Surprises
Lease and fleet options can bundle maintenance, so repairs stop being surprise expenses.
A Fleet That Looks the Part
Modern, well-maintained vehicles in front of clients - without the depreciation risk of owning them.
Why Co-Pilot
Why Co-Pilot - not just any broker
Four reasons businesses come to us - and stay.
We work for you, not the lender
We compare the whole market and recommend what fits - not what pays us best.
Every structure compared, not just the easy one
Chattel mortgage, hire purchase, lease, fleet - modelled against your numbers, not defaulted to whatever approves fastest.
Lender relationships that move fast
Direct panel relationships mean faster decisions - and someone arguing your case when the application needs it.
No hidden costs
Transparent fees, clear terms. You know exactly what you're signing before you commit.
Hear What Our Clients Are Saying
“I had a great experience working with Sarah. She was incredibly helpful throughout the entire car loan process. She explained everything clearly, kept me updated at every stage, and made the whole experience smooth and stress-free. Her professionalism, patience, and excellent customer service were truly appreciated. I highly recommend Sarah to anyone looking for assistance with car finance. Thank you for all your help!”
sevine.c Varghese
FAQ
Common Questions About Business Vehicle Finance
Ready to put vehicles to work? Let's get them financed.
Tell us what vehicles you need. We'll run it across 60+ lenders and fight for your approval - most applications done within 48 hours.
No impact to your credit score