Key highlights
- Racking, canopies and shelving can be significant costs
- Fit-out costs may be included in the vehicle finance
- Have quotes for vehicle and fit-out assessed together
- Subject to lender criteria and approval
- 80+ lenders compared through one broker
For many trades and businesses, a bare vehicle is only half the job. Racking, canopies, shelving and other fit-outs turn a ute or van into a working tool. This guide looks at how fit-out costs can be handled within vehicle finance.
Why do vehicle fit-outs matter?
A fit-out can be a significant cost on top of the vehicle itself, whether it is a canopy and drawers on a ute or full shelving in a van. Because these items are part of making the vehicle work-ready, many businesses prefer to finance them together rather than pay separately.
Can fit-outs be included in finance?
Depending on the lender, the cost of accessories and fit-outs may be able to be included in the finance for the vehicle, subject to their criteria. This can help keep everything under one arrangement. What is accepted varies between lenders, so it is worth confirming early.
How do you plan the total package?
It helps to have quotes for both the vehicle and the fit-out so the full amount can be assessed together. Any GST or tax treatment of the accessories should be checked with your accountant or registered tax adviser.
How do you finance a vehicle and fit-out?
Overdrive Business Vehicle Finance compares 80+ banks and non-bank lenders through one broker, Managing Director Simon Kendrick. Request an indicative quote and a no-obligation soft check to see how your fit-out could be included.
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