Commercial Fleet Finance.
Your fleet is one of your biggest operating costs. The right finance structure - leasing, hire purchase, or a dedicated fleet facility - can change that significantly. We structure commercial fleet finance solutions across 60+ lenders, from 2 vehicles to 200.
Get a free quote
Won't affect your credit score.
What can we help you with?
Our Solutions
Commercial fleet finance structures - built around your operation
Finance structures tailored to the way your business manages and uses its vehicle fleet.
Vehicle Leasing
Finance lease or operating lease arrangements give your business access to vehicles without large capital outlays. Preserve working capital while keeping your fleet current.
Hire Purchase
Spread the cost of fleet vehicles over time and own them outright at the end of the term. Predictable repayments with full ownership at completion.
Operating Lease
An all-inclusive solution that bundles vehicle finance with maintenance, registration, and insurance into a fixed monthly cost - simplifying fleet management significantly.
Chattel Mortgage
Own fleet vehicles from day one with the vehicle as security. GST claimable upfront and interest/depreciation tax deductible - a tax-effective structure for GST-registered businesses.
Novated Lease
Allow employees to lease vehicles using pre-tax salary - reducing their taxable income while providing a valued benefit. Costs are bundled and managed by your payroll team.
Fleet Facility
A single financing arrangement covering your entire vehicle schedule - streamlining administration, standardising repayment terms, and often unlocking volume rate advantages.
Run The Numbers
Calculate your commercial fleet finance repayments
Enter your loan details
Estimated monthly repayment
$3,565.98
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.
Key Benefits
Why most businesses finance their fleet rather than buy outright
Preserved Working Capital
Financing fleet vehicles keeps capital in your business rather than tied up in depreciating assets - maintaining liquidity for operations and growth.
Up-to-Date Fleet
Regular vehicle replacement cycles keep your fleet modern, safe, fuel-efficient, and compliant - without large periodic capital hits.
Simplified Maintenance
Operating leases and fleet agreements can bundle maintenance, tyres, and registration - removing cost variability and administrative burden from your team.
Flexible Structures
Mix and match finance structures across your fleet - some vehicles on operating lease, others on chattel mortgage - to optimise for tax, cash flow, and ownership.
Enhanced Business Image
A well-maintained, branded fleet projects professionalism and reliability to customers - supporting your business development and client retention.
Risk Management
Fleet facilities spread risk across multiple lenders and structures, and operating leases remove residual value risk from your balance sheet entirely.
Why Co-Pilot
Why Co-Pilot - not just any broker
Fleet Structuring Experience
We understand the nuances of fleet finance - mixed vehicle types, multiple structures, employee benefits, and volume pricing - and structure deals accordingly.
60+ Lenders Including Fleet Specialists
Access to lenders who actively compete for fleet business, including specialist fleet finance providers with dedicated products and competitive volume rates.
Single Point of Contact
Rather than managing relationships with multiple lenders and financiers, your fleet finance runs through our team - one contact, one process.
Competitive Rate Negotiation
Fleet size is leverage - we use it to negotiate rates across our lender panel and ensure you're getting the best available terms for your vehicle count.
Fast Turnaround
Fleet approvals managed efficiently - we pre-qualify your business with the right lenders before applying, keeping approvals and settlements on schedule so your fleet stays operational.
Eligibility
Commercial fleet finance eligibility - here's what lenders assess
Fleet finance criteria vary by lender, vehicle type, and deal size. We assess your fleet and business profile to match you with the most suitable lenders before you apply.
- Active ABN with at least 12 months trading history
- Business financial statements - BAS, profit & loss, or tax returns
- Vehicle schedule: make, model, year, and intended use for each vehicle
- Satisfactory business and director credit history
- Driver details for novated lease arrangements
- For large fleets: fleet management policy and vehicle replacement schedule
Ready to finance your fleet?
Share your vehicle schedule with our team and we'll find the right structure - whether that's a single facility, mixed structures, or a novated lease program for your employees.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Fleet Finance
Ready to sort your fleet finance? Let's structure it right.
Tell us about your fleet - vehicle count, types, and how you use them. We'll model the right structure across 60+ lenders and come back with options, no obligation.