Key highlights
- 100% finance may cover the full purchase price, no deposit
- Some lenders roll certain on-road costs in too
- Established ABNs with clean credit are best placed
- Keeps your savings free for stock and wages
- One broker, 80+ lenders compared for full finance
Many business owners want to acquire a vehicle without tying up capital. Financing 100% of the purchase price is a common and realistic goal for eligible applicants.
What does 100% car finance mean?
It means borrowing the full purchase price with no deposit from your own pocket. Some lenders will also roll certain on-road costs into the loan. Availability depends on lender criteria, the vehicle, and how your business presents on paper.
Who qualifies for 100% finance?
Established ABNs with steady income and clean credit are best placed for full finance. Newer businesses or those with a blemish may still be considered, though a lender might ask for a small contribution to balance the risk.
How does no deposit help cash flow?
Keeping your savings intact leaves funds available for stock, wages, and unexpected costs. Speak with your accountant or registered tax adviser about how repayments and any depreciation apply to your business.
Overdrive compares 80+ lenders to find one comfortable funding the full amount. Request an obligation-free quote from Simon Kendrick. It is a soft check that won't affect your credit score.
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