Key highlights
- A complete ute fit-out may go on the one finance
- Covers canopy, drawers, racks, tow bar and toolboxes
- Bundle several upfront costs into one predictable repayment
- Fit-out should be itemised on the invoice
- Soft-check quote across 80+ lenders, no credit impact
A work ute is often only useful once it is fitted out for the job, whether that means a canopy, drawers, racks, a tow bar or toolboxes. Many business owners want to know if the whole fit-out can go on the same finance as the ute. In many cases it can, subject to lender criteria and how the fit-out is documented.
What does a ute fit-out include?
A complete ute fit-out might cover a canopy or tub, drawer systems, ladder or roof racks, shelving, a tow bar and secure toolboxes. When these are work-related and fitted at or near the time of purchase, many lenders will consider including them in the financed amount rather than requiring separate payment.
Can you bundle a fit-out into one repayment?
Bundling the fit-out into your ute finance can turn several upfront costs into a single, predictable repayment. For eligible applicants this may help preserve working capital for other parts of the business. Indicative repayments depend on the total financed amount, the lender and your business profile.
How should a fit-out be invoiced?
Lenders generally want the fit-out itemised on the supplier or dealer invoice so it can be verified as part of the vehicle package. As a broker comparing more than 80 lenders, Overdrive can help you present the fit-out in a way lenders are likely to accept and match you to a suitable lender.
How do you finance a complete fit-out?
Thinking about financing a complete ute fit-out? Simon Kendrick, Managing Director of Overdrive, can run a soft-check quote across 80+ lenders to give you an indicative idea with no obligation. Contact Overdrive to talk through your fitted-out business ute.
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