Business Vehicle Finance.
You need vehicles to run the business. We find the right finance structure across 60+ lenders - whether that's a chattel mortgage, hire purchase, lease, or novated lease - and handle everything from comparison 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
Every vehicle finance structure has different tax, ownership, and cash flow implications. Here's what's available - we'll tell you which one fits your situation.
Vehicle Leasing
Vehicle leasing gives your business access to vehicles without a large upfront outlay. Maintenance and management packages keep your fleet current without the depreciation risk of ownership.
Hire Purchase
With a Hire Purchase, you own the vehicle at the end of the contract. You can spread the cost over time, achieving cash flow while building the ownership process for the business.
Chattel Mortgage
A Chattel Mortgage provides ownership of the vehicle from day one, using the vehicle itself as security. Benefit from tax deductions of interest and depreciation.
Novated Lease
Often an employer benefit, a Novated Lease involves a three-way agreement between employer, employee and financier. Attract and retain staff by enhancing working lifestyle.
Fleet Management
Co-Pilot Fleet Management provides maintenance solutions for businesses managing multiple vehicles. We handle everything from planning through to generating operational efficiency.
Equipment Finance
Equipment Finance is flexible financial support for businesses. This allows you to upgrade or replace your apparatus to meet business needs without straining cash flow.
Run The Numbers
Calculate your business vehicle finance repayments
Enter your loan details
Estimated monthly repayment
$1,024.58
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.
The Process
How to get business vehicle finance - from first call to funded
Tell Us About Your Needs
Share the type of vehicle or equipment, your business situation, and preferred finance structure. Takes less than 5 minutes.
We Search 60+ Lenders
Our team compares options across our entire lender panel to find the most competitive rate and terms for your situation.
Get Approved & On the Road
We handle the paperwork and liaise with the lender directly. Most approvals are confirmed within 24–48 hours.
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.
Requirements
How to Qualify for Business Vehicle Finance
Most Australian businesses are eligible. Here are the key requirements lenders look for - our team will guide you through every step.
- 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 meet all criteria? Talk to us anyway - we work with specialist lenders who can accommodate start-ups, low-doc and adverse credit scenarios.
Not sure if you qualify?
Our team reviews hundreds of applications. 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
Tax Benefits
Claim tax advantages on vehicles purchased and used for business purposes, including GST credits, depreciation and interest deductions.
Flexible Options
Each finance plan makes it easy for businesses to find the most financially effective solution - from leases to chattel mortgages.
Asset Upgrades
Access newer models and technologies to keep your business at peak efficiency without a large upfront capital outlay.
Preserve Cash Flow
Spread costs across manageable repayments, keeping working capital free for the parts of the business that need it most.
Reduced Maintenance Costs
Leasing and fleet options can include maintenance packages, removing unpredictable repair costs from your books.
Enhanced Business Image
Present a professional front with a modern, well-maintained fleet - without the depreciation risk of outright ownership.
Why Co-Pilot
Why Co-Pilot - not just any broker
Here's what makes the difference when you choose a broker who works for you.
We work for you, not the lender
As a broker, our job is to find the best outcome for your business - not push a product. We compare the full market and recommend what actually fits.
Every structure compared, not just the easy one
We take the time to model chattel mortgage, hire purchase, lease, and fleet options against your situation - not just default to whichever is easiest to approve.
Lender relationships that move fast
Our panel relationships mean faster decisions and genuine advocacy when your application needs more than a form submission.
No hidden costs
Transparent fees and clear communication at every step. You'll always know exactly what you're signing before you commit.
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 Business Vehicle Finance
Ready to put vehicles to work? Let's get them financed.
Tell us about the vehicles you need and your business - we'll find the right structure across 60+ lenders and fight for your approval. Most applications done within 48 hours.