Business Vehicle Loan Broker
Australia's #1 business vehicle loan rates for ABN holders (businesses, owner-operators, companies, sole traders, tradies, and self employed). We compare the market, negotiate the lowest rate and manage everything for a hassle-free experience.
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Business Vehicle Loan Broker Australia
Looking for a business vehicle loan broker who will get you the lowest rate available? We compare rates, fees and terms from over 80 lenders to secure you the most competitive deal in the market — and our service is 100% free. If you decide not to proceed, it's no cost to you.
We handle the entire process on your behalf. This includes preparing your application, choosing the right lender for your credit profile and ABN history, negotiating the rate and terms, and managing all paperwork through to settlement. We also assist with post-settlement administration, including existing finance payouts and related documentation.
Most clients are surprised by how much lower our rates and repayments are compared to financing through a dealership, bank or another broker. If you've been quoted elsewhere, send us the quote and we'll review it free of charge to see if we can beat it.
Our business vehicle finance brokers arrange loans for utes, vans, cars, suvs, buses, entire commercial fleets and more - new, used and demos purchased through dealerships, private sellers and auctions.
Low-doc busines vehicle loans up to $300,000, with no financial statements and no deposit vehicle finance is available for eligible applicants.
Get in touch with Simon for a free, no-obligation quote and discover how much you could save on equipment finance.
Vehicles We Finance
We arrange finance for all new and used business vehicles:
- Utes
- Vans
- SUVs
- Cars
- Light Trucks
- Panel Vans
- Cab Chassis
- Work Vehicles
- 4WDs
- Station Wagons
- Crew Cabs
- Minibuses
- Commercial Vehicles
- Fleet Vehicles
- Company Cars
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc truck loans
- Lite doc truck loans
- Low doc truck loans
- No financials truck loans
- Full doc truck loans
- No deposit truck loans
- Bad credit truck loans
- Used truck loans
- New truck loans
- Chattel mortgage
- Truck lease
- Hire purchase
- Rent-to-own
Unbeatable Rates - Always Compare Before Signing
We're known for securing the cheapest business vehicle finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free truck loan comparison service, we'll compare any quote against our panel to secure you a lower rate with reduced repayments. Never rely on a verbal interest rate. Many brokers and dealer quote rates over the phone without disclosing all fees and charges, making finance appear cheaper than it really is. That's why it's essential to get your quote in writing to compare actual repayments, as they reveal the true cost of the loan. If you've received a quote, send it through for a free review. We'll break down the interest rate, repayments, fees, loan structure, and total cost, identify any hidden charges, and let you know if a better deal is available. A few minutes spent comparing finance options could save your business thousands over the life of the loan.
Get Pre-Approved Before You Buy
A business vehicle finance pre-approval gives you a real advantage when buying from a dealership, auction, or private seller. With finance already in place, you'll know exactly what you can afford and have greater negotiating power as a serious buyer. We'll confirm your borrowing capacity, interest rate, loan term, and estimated repayments upfront. With decisions available in as little as 24 hours and approvals valid for up to 90 days, you'll be ready to act when the right business vehicle finance comes along. Simply send us the invoice and we'll arrange settlement and release the funds.
Why Choose Us As Your Broker?
- Free service with no upfront costs or hidden fees
- One broker for the life of your business, no handovers
- 30+ years experience and industry knowledge
- Australian family-owned and operated
- We save every client hundreds to thousands of dollars
- No wait times, direct access to Simon every time
- We can beat bank, dealer and competitor quotes
- We guarantee clear title transfer
- We protect what matters—your credit score
- We build trust by being honest and transparent
- Established, new and 1 day ABNs
- Expert and strategic negotiation approach
- Solutions for various credit profiles
- Tax benefits (asset depreciation)
- 24/7 support as we know business never stops
Can't Be Beaten On Price Or Service
Want the best deal on business vehicle finance? We're known for delivering low rates in all major cities and surrounding regional areas across NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Low Doc, Light Doc & Full Doc Business Vehicle Finance
When applying for truck finance, lenders will generally offer Low Doc, Light Doc or Full Doc finance. The right option depends on how your business is structured and what financial information you can provide.
Low Doc Truck Finance
Light Doc Truck Finance
Full Doc Truck Finance
| Feature | Low Doc Truck Finance | Light Doc Truck Finance | Full Doc Truck Finance |
|---|---|---|---|
| Financial Statements Required | No | No | Yes |
| BAS Statements Required | No | Usually | Sometimes |
| Business Bank Statements | No | Yes | Sometimes |
| Approval Speed | Fastest | Fast | Standard |
| Interest Rates | Higher | Competitive | Most Competitive |
| Borrowing Capacity | Up to $500k | Up to $500k | Up to $10m+ |
| Ideal Outcome | Quick approval with minimal paperwork | Balance of flexibility and pricing | Best pricing and maximum borrowing power |
Which Option Is Right For You?
Need help deciding? Our finance specialists will assess your circumstances and recommend the most suitable asset finance solution for your business.
| If You Are... | Recommended Option |
|---|---|
| Self-employed or businesses with limited financial records | Low Doc |
| Businesses with bank statements and BAS available | Light Doc |
| Businesses with full financials | Full Doc |
Low Doc Truck Finance
Low Doc finance is designed for borrowers who want a simple, streamlined approval process. In most cases, no financial statements or BAS statements are required. Approval is generally based on your ABN history, credit profile, and the asset being financed.
Light Doc Truck Finance
Light Doc finance provides a middle ground between Low Doc and Full Doc lending. Borrowers can often qualify using recent business bank statements and limited supporting documentation, without the need for full financial accounts.
Full Doc Truck Finance
Full Doc finance is suitable for borrowers who can provide complete financial records and supporting documentation. This option typically offers the most competitive rates and highest borrowing capacity.
Compare Your Options
Why Businesses Choose Overdrive
See how going through Overdrive compares to a bank, a typical broker, or dealership finance.
What Matters
Overdrive Funding
Banks
Dealership Finance
Other Finance Brokers
Lender Access
Your Credit Profile
Finance Options
Broker Service Fees
Approval Times
Flexible Lending
Asset Eligibility
Personal Service
After-Hours Support
Ongoing Support
Lender Access
Overdrive Funding
One application. Major banks and 80+ lenders compared.Banks
One lender, their own product onlyDealership Finance
Selected finance partnersOther Finance Brokers
Typically a smaller panel of lendersYour Credit Profile
Overdrive Funding
One soft credit check while we quoteBanks
A hard enquiry on every direct applicationDealership Finance
Hard credit enquiry without rate comparisonOther Finance Brokers
Usually shops you around to multiple lendersFinance Options
Overdrive Funding
We deliver multiple options across low doc, full doc and moreBanks
One product, full financials and paperwork requiredDealership Finance
One rate offered, only available todayOther Finance Brokers
Quotes one rate, tells you it's the best dealBroker Service Fees
Overdrive Funding
Bank rates without the queue or paperworkBanks
Bank fees may applyDealership Finance
Finance fees may applyOther Finance Brokers
Typically charges an additional service fee at settlementApproval Times
Overdrive Funding
Often within 24–48 hours for eligible applicationsBanks
Slow process, typically weeksDealership Finance
Often fast but rate is often non-negotiableOther Finance Brokers
Varies by broker and panelFlexible Lending
Overdrive Funding
New ABNs, low doc and credit challengesBanks
Conservative, minimal policy exceptionsDealership Finance
Subject to lender policyOther Finance Brokers
Depends on lender panelAsset Eligibility
Overdrive Funding
New, used and older equipment up to 25–30 yearsBanks
Asset age restrictions may applyDealership Finance
Limited to dealer stockOther Finance Brokers
Depends on lender accessPersonal Service
Overdrive Funding
Direct access to Simon, the DirectorBanks
No direct numbers, rotating staff and call centresDealership Finance
A salesperson upselling financeOther Finance Brokers
High staff turnover, clients passed between brokersAfter-Hours Support
Overdrive Funding
Available 7 days a week, including evenings and weekendsBanks
Generally business hoursDealership Finance
Dealership trading hoursOther Finance Brokers
Typically no after hours or weekend supportOngoing Support
Overdrive Funding
Assistance before, during and after settlementBanks
Hard to reach with little contact after settlementDealership Finance
Typically none after the saleOther Finance Brokers
Focuses on quick deals and onto the nextOur Simple Process
- 01
Consult, Offer & Decide Together
Speak to one of our experts about your business needs, and we'll offer tailored finance options, ensuring we secure the best rates for your specific asset and situation. We'll go over terms and decide which is the best solution for you.
- 02
Conditional Approval
We conduct a soft-touch evaluation of your profile to match you with the right lender for pre-approval. Once you're pre-approved, you can shop confidently for 90 days. If you've found your truck, we'll initiate the process and take care of all the admin.
- 03
Sign Documents and Get Funded
When the lender is prepared to settle, you'll receive the contract for your review and signature. After settlement, it's time to pick up your asset.
- 04
On-Going Support
Once your loan is completed, we'll support you with any related admin, such as payouts, statements, etc.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
Check your eligibility in 2 minutes
No obligation. No impact on your credit score — we don't submit a formal application until you've seen your options. Subject to lender approval.
Apply Now →FAQ
Business Vehicle Loan Broker — Frequently Asked Questions
What does a vehicle finance broker do?
Why use a broker for vehicle finance?
Is using a vehicle finance broker free?
Can a broker help finance a vehicle from a private seller?
Can a broker help if my credit is imperfect?
Does using a broker affect my credit score?
How quickly can a broker arrange vehicle finance?
Can a broker help arrange fleet vehicle finance?
Can I use a broker for vehicle refinancing?
Does the broker help after settlement?
What do I need to provide to get started?
Can a broker help a new business get vehicle finance?
Can a broker help me compare dealer finance vs independent finance?
Can a broker arrange same-day vehicle finance?
What vehicle types can a broker arrange finance for?
Can a broker help if I need vehicle finance urgently?
Can a broker help with multiple vehicle finance at once?
What's the benefit of using a broker over a bank?
Can a broker help me get a pre-approval before I find a vehicle?
Does a broker handle all the paperwork?
Do I need insurance to finance the asset?
Lending Panel
Access to 80+ Lenders In One Place
Access to Australia's leading commercial lenders lets us compare the market and tailor competitive, flexible finance solutions to each client's unique needs.
