Business EV Finance.
Buying an EV for the business, or offering one as a salary-packaged perk? Chattel mortgage, finance lease or FBT-exempt novated lease - 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 EV finance - every structure explained
EVs unlock a structure petrol and diesel can't - the FBT-exempt novated lease. Here's the menu - we'll tell you which one fits.
Chattel Mortgage
Own the EV from day one, with the vehicle as security. GST claimable upfront, depreciation over time - same tax treatment as any business vehicle.
Novated Lease (FBT-Exempt)
The standout EV structure. Payments come from the employee's pre-tax salary, and an eligible EV pays $0 Fringe Benefits Tax - a real perk that costs you almost nothing.
Hire Purchase
Fixed repayments over the term, ownership at the end. Simple to budget, no surprises.
Finance Lease
The lender owns it, you lease it. Payments are fully deductible and the EV stays off your balance sheet.
EV Fleet & Charging Finance
Finance the vehicles and the depot or workplace charging that powers them - compared and structured together, not as an afterthought.
Operating Lease
Finance, maintenance and rego in one fixed monthly cost. No residual risk, and the EV stays off your balance sheet.
The Process
How to get business EV finance - from first call to plugged in
Tell Us About the EV
The make and model - or the novated benefit you want to offer staff. Five minutes, no credit check.
We Search 60+ Lenders
We compare chattel mortgage, lease and novated structures across the panel, including lenders with dedicated EV pricing.
Get Approved & Plugged In
We handle the paperwork and chase the lender. Most approvals land in 24-48 hours.
Run The Numbers
Calculate your business EV finance repayments
Enter your loan details
Estimated repayment
$939.20 / 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.
EV Types
What can you finance with business EV finance?
If it plugs in and runs your business, we can likely finance it. Here's what we work with most:
Don't see your vehicle type? Get in touch - we finance a broad range of electric and hybrid vehicles. Financing an EV for yourself rather than your business? Visit our personal car finance page instead.
Requirements
How to Qualify for Business EV Finance
Most Australian businesses qualify to finance an EV outright. Here's what lenders want to see.
- Registered business in Australia (ABN)
- Minimum 6 months trading history
- Good credit history
- Tax File Number (TFN)
- Recent financial statements or BAS
- Valid driver's licence for nominated drivers
Don't tick every box? Talk to us anyway - we work with specialist lenders who take on start-ups, low-doc and adverse credit. Setting up a novated lease instead? Eligibility rides on the employee's income, not your trading history - and we can structure it even if the employer hasn't offered novated leasing before.
Not sure if you qualify?
Tell us your situation - novated setups included - and we'll give you an honest assessment. No obligation, no credit check just to chat.
Get a Free AssessmentWhy Go Electric?
Why businesses are financing EVs
GST, Depreciation or $0 FBT
Claim GST and depreciation on a business-owned EV, or run a novated lease that pays zero Fringe Benefits Tax.
Lower Running Costs
Charging beats the bowser and EVs need less servicing - savings that land in your cash flow every month of the term.
A Perk That Wins Staff
An FBT-exempt novated EV lets a small business compete for talent against much bigger employers.
A Structure for Your Tax Position
Chattel mortgage, lease or novated - matched to your numbers, not whatever approves easiest.
Future-Proof Your Fleet
Get into current EV models without the capital hit of buying outright.
One Repayment, Charger Included
Spread the vehicle and the charging infrastructure across repayments instead of one big purchase.
Why Co-Pilot
Why Co-Pilot - not just any broker
Four reasons businesses trust us with vehicle finance and novated leasing.
We work for you, not the lender
We compare the whole market and recommend what fits - not what pays us best.
Every structure compared, including novated lease
Chattel mortgage, lease and novated modelled against your numbers - FBT position included.
Lender relationships that move fast
Specialist EV and salary packaging providers on the panel mean faster decisions - and someone arguing your case when it counts.
No hidden costs
Transparent fees, clear terms. You know exactly what you're signing before you commit.
Hear What Our Clients Are Saying
“Simply the best! James made the whole home loan process so much easier than we expected. He was always available, never made us feel like a burden, and explained everything clearly without overcomplicating it. You can tell he genuinely cares about the people he works with. We always felt like we were in safe hands. Highly recommend”
James Spicer
FAQ
Common Questions About Business EV Finance
Ready to plug in your business? Let's get it financed.
Tell us the EV you're after - or the novated benefit you want to offer. We'll run it across 60+ lenders and fight for your approval - most applications done within 48 hours.
No impact to your credit score