Business Vehicle Finance

Vehicle Finance for ABN Holders

Get up to $500k per vehicle through 40+ lenders for cars, utes, vans and trucks. This page shows you how much you could borrow, what lenders look for and when full-doc versus low doc makes sense for your ABN.

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Why Vehicle Finance Actually Helps Your Business

Instead of dropping a big lump of cash on a ute or truck, use finance so money stays free for wages, fuel and tax.

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Keep Cash in the Business

Turn a big vehicle purchase into set repayments so you’re not draining working capital. With a Chattel Mortgage you may also be able to claim GST and depreciation (check with your accountant).

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Low Doc When You Qualify

Trading 2+ years with a clean history and property backing? You may be better off with low doc vehicle finance instead of handing over full financials.

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Pick a Structure That Fits

Line your repayments up with how the vehicle earns money using options like Finance Lease or Hire Purchase.

Flexible Vehicle Finance Options

Fixed repayments, tax benefits, and full ownership from day one. Common for business-use vehicles using a Chattel Mortgage.
Structured repayments leading to full ownership — often compared with Finance Lease depending on how your business uses the vehicle.
Lease the vehicle with predictable repayments and keep more cash in the business. Useful for ABN holders using a Finance Lease.
No ownership risk, predictable costs, and off–balance sheet in many cases. Often used for fleets structured as an Operating Lease.
Newer ABNs or larger loan amounts usually means full-doc. Trading 2+ years with clean history and property backing? You may fit low doc vehicle finance instead. We’ll tell you which bucket you’re in upfront.

What You Can Finance

Vehicles and add-ons your ABN can fund through structured Asset Finance solutions.

🧾 ABN 2+ years works best for low doc options
🚚 Cars, utes, vans, trucks & more
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Cars
For business owners — Business Owners Hub
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Utes
Tradies & contractors — Tradie Hub
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Vans
Delivery vans & mobile service rigs
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Light Trucks
Couriers, logistics & labour transport — Truckie Hub
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Fleet Vehicles
Small fleets, contract vehicles, commercial additions
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EVs & Hybrids
Clean-energy business vehicles
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Fit-Outs & Accessories
Racks, storage, canopies & tool systems
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Yellow Goods & Specialty Vehicles
Commercial specialty vehicles & machinery

Why Businesses Choose Switchboard

Fast low doc approvals for ABN holders, contractors and fleet operators — ideal for Business Owners and Truckies.
Predictable repayments that support cash flow — via Vehicle Finance and Equipment Finance.
Specialist lenders for asset-heavy industries — covered in the Tradie Hub and Truckie Hub.
Transparent, obligation-free assessments — including Low Doc Asset Finance options.
Tailored solutions from sole traders to fleets — fully outlined in our Business Owners Hub.
Dedicated broker support — talk to a real person every time.

Low-Doc Vehicle Finance for ABN Holders

If you’ve held an ABN for 2+ years and are property-backed, you may qualify instantly for low-doc approvals. No full financials required — ideal for business owners, ABN holders, tradies, and truckies upgrading sooner.
Fast No-Financials Approvals
Lenders use ABN age + property backing for instant decisions.
Built for ABN Borrowers
Perfect for contractors & small businesses needing minimal paperwork.
40+ Specialist Lenders
Coverage across Vehicle Finance, Low Doc Asset Finance, and SME lending.
Upgrade & Scale Faster
Replace vehicles, expand your fleet, or upgrade confidently.
Fast low doc vehicle finance for ABN holders

Vehicle Finance FAQs

Straightforward deals with a strong profile can be turned around in as little as 24–48 hours once we have what we need. If you qualify for a low doc vehicle finance path, it’s often even quicker because there’s less paperwork to review.
Not always. ABN holders with 2+ years trading, property backing and clean account conduct may not need full tax returns. If you’re newer in business or don’t tick those boxes, we’ll place you on a standard full-doc vehicle finance path instead.
Cars, utes, vans, light trucks, trailers and some specialist vehicles — usually under a wider asset finance setup. If it’s a primary business vehicle, we can usually find a lender that will look at it.
Yes. Many lenders will support multiple vehicles or small fleets if the numbers stack up. If you’re running trucks or delivery vehicles, the Truckie Hub is a good place to see how lenders view multi-vehicle setups.
Chattel Mortgage suits businesses that want ownership and potential GST/depreciation benefits. Leasing can work better when you prefer flexibility and easier upgrades. We walk through both options in the Business Owners Finance Hub and on a quick call before you decide.

Ready to Upgrade Your Vehicle?

Get expert support, fast approvals, and access to 40+ specialist lenders. Whether you're a tradie, truckie, or business owner, we’ll help you finance your next vehicle with confidence.
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Looking for equipment? Equipment Finance • Business Owners Hub
Need cash flow instead of vehicles? Explore Business Loans