Your Trusted Commercial Vehicle Finance Broker in Perth - We Fund the Canopy, Racks and Fitout Alongside the Vehicle, and We Write Deals on Newer ABNs Other Brokers Decline
As your commercial vehicle finance broker in Perth, we compare commercial vehicle finance Perth wide across a panel of dozens of lenders, find the sharpest pricing for your business, and handle the paperwork.
Whether it is a single ute for a sole trader or a whole fleet, we structure it so the repayment fits how the business earns, and so the vehicle is working rather than waiting.
You should not lose billable hours chasing lenders. That is exactly what a commercial vehicle finance broker in Perth is for. We compare lenders, structure business vehicle finance around your cash flow, and arrange fast approval.
Ute and van finance Perth trades rely on is the bulk of what we write, but fleet arrangements work the same way and usually price better per vehicle.
The Bottom Line: A commercial vehicle finance broker in Perth gives you access to many lenders in one place, sharper pricing, and expert help choosing between a chattel mortgage Perth businesses commonly use, a lease or hire purchase. Talk to Ezy Loans for free.
Smarter Commercial Vehicle Finance From Expert Local Brokers For Tradies, Small Businesses, Delivery Operators, Fleet Managers, Sole Traders
Financing work vehicles should not stall your business. As your commercial vehicle finance broker in Perth, Ezy Loans compares [LENDER_COUNT] lenders and funds the fitout with the vehicle, so nothing lands on a credit card.
Powered By Australia's Leading Lenders
Because we work through the Australian Finance Group panel, your application reaches [LENDER_COUNT] banks, asset financiers and specialist commercial lenders, including the ones that write deals on ABNs under two years old.
From Enquiry To On The Road Step By Step
We make commercial vehicle finance Perth wide simple, from the first quote through to getting your vehicles out on the road working.
Free Consultation and Goals
We check your ABN start date, your GST position and the full fitout cost, not just the drive-away price of the vehicle.
Compare and Find Your Rate
We compare commercial vehicle finance Perth wide across [LENDER_COUNT] lenders and find the sharpest pricing for your situation.
Fast Approval
We prepare the application and arrange <a href="https://ezyloansaustralia.com.au/contact/">approval</a>, structured as a chattel mortgage or lease to suit your accountant.
Settlement and On The Road
We finalise the paperwork and pay both suppliers, so your vehicle arrives fitted out and ready to work.
WHAT THE DRIVE-AWAY PRICE LEAVES OUT
Finance the Working Vehicle, Not Just the Vehicle
A work ute is rarely just a ute. The fitout arrives from a separate supplier, after the vehicle, at exactly the point when cash is tightest. Financed alongside the vehicle it attracts vehicle finance pricing. Put on a credit card, it attracts card pricing instead.
Item | Usually quoted by | On the drive-away price | Can be financed with the vehicle |
|---|---|---|---|
Canopy or tray | Fitout supplier | No | Yes |
Ladder racks and drawers | Fitout supplier | No | Yes |
Toolboxes and shelving | Fitout supplier | No | Yes |
Bull bar and towing gear | Dealer or aftermarket | Sometimes | Yes |
Signage and vehicle wrap | Signwriter | No | Yes |
Work lighting and GPS | Aftermarket | No | Yes |
Get the fitout quotes before you apply, not after. A variation once the application is approved means reassessment and delay. Sent together at the start, the amount financed reflects what it actually costs to put the vehicle to work on day one.
HOW NEW IS TOO NEW
What Your ABN Age Actually Changes
Lender criteria on trading history are a sliding scale rather than a wall. Where you sit on it determines the deposit, the pricing and how many lenders will look at the application at all. Nobody is declined purely for a young ABN.
ABN trading history | Lender panel | Deposit required | What strengthens it most |
|---|---|---|---|
Two years or more | Widest available | Lowest | Clean financials and current lodgements |
Twelve to twenty four months | Narrower | Higher | Property ownership |
Under twelve months | Specialist financiers only | Highest | Industry experience before you started out |
GST registered, any age | Helps at every band | Unchanged | BAS lodgements evidencing turnover |
Send us your ABN start date, your GST position and your available deposit. Those three facts tell us immediately which lenders will consider your application.
ASKED BY PERTH TRADES AND BUSINESS OWNERS
What Perth Businesses Ask a Commercial Vehicle Finance Broker in Perth
How new does my ABN need to be to get approved?
Some lenders will write a deal on an ABN under twelve months old, though usually with a larger deposit and higher pricing.
Two years of trading generally unlocks the sharpest pricing and the widest lender choice. GST registration helps as well, since it evidences turnover. If you are close to either milestone, waiting a few months can be worth real money.
Will this affect my ability to get a home loan later?
Yes. The repayment is treated as a commitment when a mortgage lender assesses you, even though the vehicle earns its keep.
Some lenders exclude it where the asset is clearly business-owned and serviced from business income, but not all. Our borrowing power tool shows the impact. If a property purchase is on the horizon, say so now.
Low doc or full doc for a work vehicle?
Many asset financiers will approve a work vehicle with minimal financials, especially under a certain value and with a clean credit file.
Property ownership strengthens a low-doc application considerably. Above the streamlined threshold, or where the credit file has marks on it, expect to provide full financials. We work out which path you qualify for before anything is submitted.
Should I buy the vehicle in the business name or my own?
For a vehicle used predominantly for business, the business name is usually the right answer for both tax and finance.
Commercial finance is generally quicker to assess than consumer finance and comes with fewer disclosure requirements. But the ownership question has tax consequences well beyond the loan, so have your accountant confirm it before you sign anything.
"Tradies finance the ute, then put eight thousand dollars of canopy and racks on a card at triple the rate. Fund the working vehicle, not just the vehicle."
- Amrinder Singh, Credit Representative 505232, Ezy Loans Australia
The Commercial Vehicle Broker Perth Businesses Actually Trust
A panel of [LENDER_COUNT] lenders, sharper pricing, and a commercial vehicle finance broker in Perth who works for you rather than the dealer. Built on trust earned one Perth settlement at a time.
Real Lender Choice
Access to a panel of [LENDER_COUNT] lenders, so your work vehicle gets sharper pricing rather than the dealership's single finance offer.
Licensed and Accountable
Credit Representative 505232 under Australian Credit Licence 377294, with a legal best interests duty on every commercial vehicle deal we arrange for you.
Structured For Cash Flow
Canopy, racks, drawers, signage and towing gear financed alongside the vehicle at vehicle rates, rather than landing on a credit card.
Obligation-Free, Start To Finish
Our advice costs nothing, and your commercial vehicle finance broker in Perth manages the whole file, so funding the vehicle stays easy.
WHERE WE WORK
Trade Businesses We Fund Across Perth
Our office is at 905 Hay Street in the Perth CBD, and we work with buyers right across the metropolitan area. Most conversations happen by phone or video at a time that suits you, so location is never the limiting factor.
Perth CBD, Welshpool, Kewdale, Canning Vale, Malaga, Wangara, Osborne Park, Bibra Lake, Henderson, Kwinana, Forrestfield, Bayswater, Balcatta, Jandakot, Rockingham, Joondalup, Midland, Wangara, Naval Base, Mandurah
Buying outside the metro area or interstate? We arrange lending Australia wide, so a move later does not mean starting again.
Questions About Commercial Vehicle Finance in Perth
It funds vehicles used predominantly for business, such as utes, vans and light trucks, usually secured against the vehicle itself as a chattel mortgage or a lease.
As your commercial vehicle finance broker in Perth, we compare dozens of lenders and structure the deal around how your business actually operates.
Yes. Ute and van finance Perth wide covers trades and small businesses, on new and used vehicles, from a dealer or privately.
Newer ABNs are financeable, though the deposit is usually larger. Two years of trading generally unlocks the sharpest pricing available.
Yes. Funding several vehicles under one arrangement simplifies administration and usually improves the pricing per vehicle compared with financing them individually.
It also lets you stagger replacement so the fleet does not age out at once. Heavier units go through our truck finance panel instead.
Interest and depreciation on business vehicles are often deductible, and instant asset write-off rules may apply depending on the year and the vehicle value.
This is general information only. Business.gov.au covers the basics, but confirm the detail with your accountant.
A chattel mortgage Perth businesses commonly use means you own the vehicle from day one and the lender simply holds security over it until the loan is repaid.
A chattel mortgage Perth operators choose sits on your balance sheet, which affects depreciation and GST treatment. A lease does not. Which is better depends on your accountant's advice, not ours.
In most cases our commercial vehicle finance broker in Perth service is free to you. We are paid by the lender once your loan settles, not by you up front.
So you get expert help comparing dozens of lenders at no cost, with no obligation to proceed.
Amrinder Singh
Amrinder Singh is a Specialist Broker and the founder of Ezy Loans Australia, working from 905 Hay Street in Perth. As a commercial vehicle finance broker in Perth he also arranges first home, refinance, investment, construction, self employed, car and truck finance across a panel of Australian lenders. Credit Representative 505232 under Australian Credit Licence 377294.
- Fitout financed with the vehicle, not on a credit card
- Chattel mortgage, lease and hire purchase compared honestly
- Single ute or a whole fleet, same straightforward process
Let's Get Your
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Get a Free Consultation
No obligations. Speak to Amrinder Singh direct on 0432 066 362 today.
Ezy Loans Australia is a Perth-based mortgage and finance brokerage helping first home buyers, investors and refinancers across Australia secure the right loan with confidence.
Contact Info:
- 905 Hay St, Perth WA 6000
- amrinder@ezyloansaustralia.com.au
- 0432 066 362