Commercial Finance Brokers · Sydney, Australia

Business Car Loans & Commercial Finance for Australian Businesses

We compare 30+ lenders to find the right chattel mortgage, equipment finance, or fleet loan for your business — obligation-free.

✓ ABN Required ✓ No Obligation ✓ Commercial Finance Specialists ✓ Sydney Based

Get a Free Quote

Takes under 2 minutes. No obligation.

Enquiry Received!

Thank you — one of our finance specialists will be in touch within 1 business day.

30+ Lenders Compared
ABN Holders Only
100% Obligation Free
Sydney Based Brokers

Finance Options

Vehicle & Equipment Finance

Whether you're buying a single company vehicle or financing an entire fleet, we find the right structure for your business.

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Chattel Mortgage

Own the vehicle from day one with fixed repayments and potential tax benefits. The most popular choice for businesses.

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Finance Lease

Use the vehicle while the lender retains ownership, with a residual value at end of term. Useful for cash-flow management.

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Fleet Finance

Combine multiple vehicles into a single loan contract. We work with small to medium businesses running multi-vehicle fleets.

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Equipment Finance

Finance yellow goods, trailers, tools, and machinery. If it's a business asset, we can likely finance it.

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Refinance

Already have a car or equipment loan? We can review your current arrangement and look for a better fit.

EV & Novated Leases

Finance for electric vehicles including salary packaging options. Ask us about FBT-exempt EV arrangements.

Beyond the Vehicle

Business Finance Solutions

We also help with broader business funding needs — from managing cash flow to funding growth.

Business cash flow

Cash Flow Finance

Keep your business moving between invoices. We can help structure finance that smooths out seasonal or payment gaps.

Business loans

Business Loans

Unsecured and secured business loans for growth, stock, staff, or any business purpose. We'll find a lender suited to your situation.

Business overdraft and line of credit

Overdrafts & Lines of Credit

Flexible access to funds when you need them. Ideal for businesses that need a financial buffer without taking on a fixed loan.

Invoice finance debtor finance

Invoice Finance

Unlock cash tied up in unpaid invoices. Get paid faster without waiting 30, 60, or 90 days for your customers to pay.

Simple Process

How It Works

We handle everything — from finding the best rate to settlement.

1

Submit Your Enquiry

Fill in the quick form above. No credit check at this stage — completely obligation-free.

2

We Compare Lenders

Your broker searches our panel of 30+ lenders to find the most competitive rate for your situation.

3

Receive Your Options

We present you with tailored options. You choose what suits your business — no pressure.

4

Fast Settlement

Once approved, we manage everything through to settlement. Most approvals within 24 hours.

Why Choose Us

What Makes Us Different

We're brokers, not banks — which means we work for you, not the lender.

Access to 30+ Lenders

We're accredited with a wide panel of banks, credit unions and specialist lenders so you get genuinely competitive options.

Business Specialists

We focus exclusively on commercial and business finance. We understand GST, depreciation, and what lenders look for in a business application.

No Upfront Cost

Our service is free to you. We're paid a commission by the lender — disclosed to you upfront, as required under our credit licence.

Sydney-Based Brokers

Real people, based in Sydney. You'll speak directly with your broker — not a call centre overseas.

Fast Turnaround

Pre-approval in as little as a few hours for straightforward applications. We know your time is valuable.

Trusted & Experienced

We're experienced commercial finance brokers with a strong track record helping Australian businesses secure the right funding.

Client Reviews

What Our Clients Say

We've helped hundreds of Australian businesses get the right finance.

★★★★★

"I needed to upgrade my fleet for employees. I was provided with a tailored solution combining everything into one loan contract. Very happy with the service."

Small Business Owner — Fleet Finance
★★★★★

"The process was seamless. My broker found me a rate I couldn't find anywhere else, and the whole thing was settled in under 48 hours."

Sole Trader — Chattel Mortgage
★★★★★

"As a tradie, I needed a ute financed fast. They sorted it out without any fuss. Highly recommend to any small business owner."

Tradesperson — Equipment & Vehicle Finance

Common Questions

Frequently Asked Questions

What is a chattel mortgage for a business vehicle? +

A chattel mortgage is a commercial finance product where your business takes ownership of the vehicle from day one, while the lender holds a mortgage over it as security. It offers fixed repayments, potential GST and tax benefits, and is one of the most popular business car finance structures in Australia.

Do I need an ABN to get a business car loan? +

Yes. To access commercial vehicle finance in Australia, you need a valid Australian Business Number (ABN). Most lenders also require your business to have been registered for at least 12 months.

How much can I borrow for a business car loan? +

Loan amounts vary by lender and depend on your business financials, credit history, and the asset being financed. We work with lenders who can accommodate a wide range of business sizes and requirements.

Can I finance a fleet of vehicles for my business? +

Yes. We specialise in fleet finance for small to medium businesses, combining multiple vehicles into a single streamlined loan contract. Contact us to discuss your fleet requirements.

Is a deposit required for a commercial car loan? +

In most cases, no deposit is required for a commercial vehicle loan. The asset itself typically serves as security for the finance.

What types of vehicles and equipment can you finance? +

We can finance virtually any business asset — company cars, luxury vehicles, utes, vans, trucks, trailers, yellow goods (excavators, loaders, forklifts), and general business equipment. If it's a business asset with an ABN behind it, we can likely finance it.

Disclaimer: This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. By submitting an enquiry, you consent to being contacted by a commercial finance broker who will discuss options relevant to your business requirements. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. We collect your personal information solely to respond to your enquiry and connect you with suitable lenders. We do not sell your information to third parties. For enquiries about your personal information, contact us at info@companycarloans.com.au.

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