Fleet Finance Australia
We're trusted fleet finance brokers, helping ABN holders, businesses and operators finance their entire fleet at competitive rates. Rather than relying on a single bank or dealership, we compare major banks and non-bank lenders, negotiating low interest rates, fees and repayments. From application to settlement, we manage the entire process for a hassle-free experience.
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Many deals we settle fall outside standard bank criteria. We find solutions where banks can't.
Bank Rates Without The Queue Or Paperwork
- One application. Multiple options to choose from.
- Free service, no hidden fees, ever
- Solutions for all credit profiles and ABN lengths
- Established companies, start-ups, SMEs to owner-operators
- No deposit, $0 down options and no additional security
- Low doc & no financials require zero paperwork
- Buy new or used from dealerships, private sellers & auctions
- Available 7 days a week, including evenings and weekends
Fleet Finance Australia Australia Wide
Business Fleet Finance Australia
Funding a fleet of vehicles, trucks or equipment through a single lender relationship can significantly reduce your interest costs and administration burden. At Overdrive Funding, we structure fleet finance facilities around your actual requirements — whether that's three utes for a growing trade business or 50 vehicles for a national fleet.
We work with lenders experienced in fleet procurement, fleet management systems and novated lease arrangements to deliver competitive rates and flexible repayment structures.
Fleet finance is available for cars, utes, vans, trucks, trailers and mixed asset portfolios. Low-doc options available for eligible applicants.
Fleets We Finance
We finance any new or used fleet assets from dealerships, private sellers and auctions:
- Cars, utes and vans
- Trucks and heavy vehicles
- Mixed asset fleets
- New fleet builds
- Fleet replacements and upgrades
- Funding up to $50m+ for larger fleets
- Flexible repayment structures
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc fleet finance
- Lite doc fleet finance
- Low doc fleet finance
- No financials fleet finance
- Full doc fleet finance
- No deposit fleet finance
- Bad credit fleet finance
- Used fleet finance
- New fleet finance
- Chattel mortgage
- Fleet lease
- Hire purchase
- Novated lease
- Sale & leaseback
Unbeatable Rates - Always Compare Before Signing
We're known for securing the cheapest fleet finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free fleet finance comparison service, we'll compare any quote against our panel to secure you a lower rate with reduced repayments. Never rely on a verbal interest rate. Many brokers and dealer quote rates over the phone without disclosing all fees and charges, making finance appear cheaper than it really is. That's why it's essential to get your quote in writing to compare actual repayments, as they reveal the true cost of the loan.
Why Use A Fleet Finance Broker?
Call Simon NowAt Overdrive Funding, we specialise in fleet finance for businesses of all sizes — from 2 vehicles to 500+. Rather than being limited to one bank, we compare over 80 lenders to access competitive fleet rates, flexible terms, and stronger approval opportunities across mixed asset portfolios. Whether you're building a new fleet, replacing aging vehicles, or restructuring an existing facility, we tailor fleet finance solutions to reduce your costs and simplify your procurement. Our goal is simple: make fleet finance faster, easier, and more affordable.
Get Pre-Approved For Fleet Finance Before You Buy
A fleet finance australia pre-approval gives you a real edge when buying from a dealership, auction or private seller. We'll confirm your borrowing capacity, interest rate, loan term and estimated repayments upfront, so you know exactly what you can afford before you start shopping. With decisions available in as little as 24 hours and approvals valid for 90 days, you'll be ready to move the moment the right asset comes up. Found it? Send us the invoice and we'll arrange settlement and release the funds.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Fleet Finance Australia — Frequently Asked Questions
Common questions about fleet finance australia — answered.
What are the current business vehicle finance rates in Australia?
Business vehicle finance rates in Australia currently range from around 5.99% to 14% per annum depending on the vehicle type, ABN history, credit profile and lender. New vehicles for established businesses with clean credit attract the sharpest rates. We compare 80+ lenders to find the best available rate for your vehicle and business situation.
Do I need insurance to finance a vehicle?
Yes. Most lenders require proof of comprehensive insurance before settlement. We recommend arranging it in advance so it doesn't delay your finance — and if you need cover, we can arrange insurance for you as part of the process.
What business vehicles can you finance?
We finance utes, vans, passenger cars, SUVs and light commercials for business use under ABN. Whether you need one vehicle or an entire fleet, we compare 80+ lenders for the best rate.
What is ABN vehicle finance?
ABN vehicle finance allows businesses trading under an ABN to finance a vehicle using their business profile, often accessing better rates and tax benefits than personal finance. Low doc up to $300k with just your ABN and bank statements.
Can I finance a vehicle as a sole trader?
Yes. Sole traders are eligible for business vehicle finance under ABN. We have lenders who specialise in sole trader and self-employed applicants, with low doc options up to $300k.
Is there GST on business vehicle finance?
If you're registered for GST and the vehicle is used for business purposes, you may be able to claim a GST input tax credit on the purchase price. Speak to your accountant about your specific situation.
Can I get vehicle finance for a tradie ute or work van?
Yes. Utes and vans used for business purposes are among the most commonly financed vehicles under ABN. Low doc options are available up to $300k — typically requiring just your ABN, driver's licence and bank statements.
Can I get fleet vehicle finance?
Yes. We arrange fleet finance packages for businesses needing multiple vehicles. Fleet applications can often be structured under a single application with competitive rates based on total volume and your overall credit profile.
What is the difference between a chattel mortgage and a novated lease for business vehicles?
A chattel mortgage is a business-owned finance arrangement where the vehicle is an asset on your balance sheet and you can claim GST upfront. A novated lease is an employee benefit involving salary sacrifice through your employer — payments come from pre-tax salary. For ABN holders and companies buying in their own name, chattel mortgage is typically the more straightforward and common choice.
What types of vehicles can you finance?
We finance utes, vans, cars, SUVs, commercial vehicles, cab chassis and fleet vehicles for business use. Both new and used, from dealerships, private sellers and auctions.
Can I finance a used vehicle?
Yes. Used vehicle finance is available for most makes and models. Age limits vary by lender but used vehicles up to 10–15 years old are financeable through most of our panel.
What is the minimum ABN age for vehicle finance?
Some lenders require 12 months of ABN history. Others accept new ABNs from day one with the right credit profile. We identify the right lender for your situation.
Can I get a no-deposit vehicle loan?
Yes. No-deposit vehicle finance is available for eligible ABN holders with a strong credit and trading profile.
Can I finance multiple vehicles in one application?
Yes. Fleet finance packages covering multiple vehicles in a single application are available. We'll structure the most efficient arrangement across our lender panel.
What is the typical term for a business vehicle loan?
Vehicle finance terms typically range from 1 to 7 years. We'll recommend a term that balances monthly repayments against total interest cost.
Can I claim a business vehicle as a tax deduction?
Yes. Business vehicles financed under a chattel mortgage can generate tax benefits — you can claim the GST upfront and depreciation over the asset's effective life. Speak to your accountant about your specific position.
Can I finance a vehicle from a private seller?
Yes. We arrange finance for vehicles purchased from private sellers anywhere in Australia, including interstate purchases.
Does the vehicle need to be for 100% business use?
Most commercial lenders require the vehicle to be primarily for business use (typically 50%+). For purely personal vehicles, different consumer finance products apply. We'll confirm the right product for your intended use.
Can I trade in my current vehicle?
Yes. Your trade-in can offset the purchase price and reduce the loan amount, which may improve your rate or approval odds.
How long does vehicle finance approval take?
Most applications receive a decision within 24–48 hours. Settlement can often occur within 2–3 business days of approval.
Lending Panel
Access to 80+ Lenders In One Place
Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
