Key highlights
- Fund drawers, shelving and racking within the same finance
- Works when the fit-out shows on one invoice
- Available to eligible applicants, subject to lender criteria
- Contact us before you commit to structure it
- Soft-check quote won't affect your credit score
A work ute is only half the story. Drawers, shelving, racking, ladder racks and toolboxes turn it into a rolling workshop, and those costs add up. Many businesses want the fit-out inside the same finance, and for eligible applicants that's often possible.
Can you finance a ute and fit-out together?
When the fit-out is completed before delivery and shown on the same invoice, lenders can generally fund the ute and its fit-out as one asset under a single facility. That gives you one repayment covering the whole work-ready package rather than separate arrangements for the vehicle and the gear inside it.
What shapes the outcome?
Lenders consider the total amount financed, the ute's make, age and type, your ABN and trading time, and how the fit-out contributes to the asset. Because Overdrive compares 80+ banks and non-bank lenders, Simon Kendrick can match your build to a lender that funds bundled fit-outs, subject to lender criteria.
How should you plan the invoice?
A single invoice covering the ute and fit-out keeps the deal simple. Contact us before you commit so we can structure it for the right lender. Any GST or depreciation treatment on the fit-out should be confirmed with your accountant or registered tax adviser.
Keen to fund your ute and fit-out in one hit? Ask Overdrive for an obligation-free quote and Simon will compare the panel. It's a soft check that won't affect your credit score.
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