Is commercial vehicle finance different from a standard car loan?

Yes. Commercial finance products are designed for vehicles used primarily for business purposes. They often have different tax implications, structures, and eligibility criteria compared to consumer car loans. A qualified finance professional can provide specific guidance based on your circumstances.

Can I include vehicle modifications in the finance amount?

Many providers allow the cost of necessary commercial modifications (such as custom shelving, refrigeration, or toolboxes) to be included in the total finance amount. However, this is subject to the lender’s valuation policies.

LIGHT COMMERCIAL & FLEET

Commercial Vehicle Finance

Asset Connect Australia helps businesses connect with independent finance brokers who specialize in structuring finance for utes, vans, service vehicles, and light commercial fleets.

GET CONNECTED FOR COMMERCIAL VEHICLE FINANCE

Asset Connect Australia is a connection platform. We introduce you to appropriately licensed, independent finance professionals who assess your needs. Finance products, eligibility, pricing, and approval are determined exclusively by the relevant provider.

WHAT TO EXPECT

Finance Connection Scenarios

Utes & Service Vehicles

Whether you need a single dual-cab for a tradesperson or a fleet of service vehicles, we can introduce you to professionals who handle light commercial assets.

Vans & Delivery Vehicles

Connect with specialists who understand the demands of last-mile delivery, courier services, and mobile workshops.

Fleet Vehicles

If your business is expanding, an independent professional can explain how different providers approach multi-vehicle commercial fleet facilities.

Specialist Commercial Vehicles

For vehicles requiring significant modifications or specialized fit-outs, our network partners can seek out appropriate funding options.

Commercial Vehicles vs. Heavy Trucks

While heavy truck finance deals with prime movers and large civil equipment, commercial vehicle finance generally focuses on the light-to-medium vehicles that keep everyday businesses moving—from tradespeople to mobile healthcare providers.

Asset Connect Australia operates as a referral platform. We connect you with licensed finance brokers who can evaluate your commercial vehicle needs and arrange suitable finance products on your behalf.

Understanding how vehicle fit-outs affect loan-to-value ratios
Exploring differences between consumer vehicle loans and commercial products
Evaluating provider requirements for businesses with varied trading histories

How the Connection Process Works

Exploring commercial vehicle finance begins with a clear understanding of your requirements. When you submit an enquiry through Asset Connect Australia, we can route your request to an independent specialist in our network.

That specialist will contact you to discuss your business structure, the vehicle you intend to purchase, and your broader financial position. They will then assess the market to determine which lenders match your profile.