Key highlights
- An active ABN opens the door to van finance
- Low-doc pathways may suit lumpy, project-based income
- Terms and balloon set to sit between contracts
- One broker, 80+ lenders compared for contractors
- Soft-check quote — no impact on your credit score
Contractors rely on their van to get to site and carry the tools of the trade. Financing one is very achievable, even with project-based income. Overdrive compares a panel of 80+ lenders to suit contractors across trades.
Can contractors get business van finance?
Whether you contract in construction, trades or services, an active ABN opens the door to business van finance. Lenders understand that contract income can come in blocks, and some assess eligible applicants accordingly. Your credit history and time in business feed into the outcome, subject to lender criteria.
What van finance options suit lumpy income?
If your financials don't yet show a smooth income line, low-doc pathways can help. Some lenders look at bank statements, current contracts or a deposit rather than years of tax returns. Matching your situation to the right lender is where comparing a wide panel pays off.
How do you keep van repayments manageable?
Terms and balloon options can be structured so repayments sit comfortably between contracts. Any GST or deduction on the van depends on your business use, so check the detail with your accountant or registered tax adviser.
Contracting and need a reliable van? Get an obligation-free quote from Overdrive. It is a soft check that won't affect your credit score, and Simon can match you with a contractor-friendly lender.
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Free quote in minutes, decisions in 24–48 hours. No credit-score impact to enquire.