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Valco Group is an Australian finance brokerage helping businesses grow with vehicle and equipment finance. With 25 years in finance, access to 50+ lenders, and a 5.0 Google rating from 150+ reviews, we deliver 1 hour approvals and settlements in 24 hours.
Kew VIC 3101 · 03 8456 9966
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Join 5,000+ happy customers with instant approvals
How much finance do you need?
Enter any amount between $10,000 and $500,000
POPULAR AMOUNTS
WHY TALK TO ONE BANK? MAKE 50+ COMPETE FOR YOU.
How Fast Can You Get Approved?
Most clients are pre-approved within 1 hour. Settled in 24.
See Why We're Rated 5 Stars on Google?
150+ Verified
“I couldn't be more pleased with the service I received. For the first time, my asset finance experience was truly seamless. From the initial application to the receipt of funds, I was treated with exceptional care and professionalism. Their communication and follow-up were outstanding, making me feel like a truly valued client.”
“Had the team handle the finance for our new business vehicle and they did a fantastic job. Communication was very good and they really made the whole process easy to deal with. They bounced back and forward to get the best deal they could and can tell they care about what they do. Can't thank them enough, 100% will be using again.”
“So glad we found Valco Group! They have helped us find 3 vehicles in the last 12 months. Professional, down to earth, and simply just make the whole process easy! We will be using Valco Group for all our vehicle and finance advice and needs. A+++++”
Built for Every Kind of Business Borrower
Valco arranges business car loans and equipment finance for a wide range of clients across Australia.
Sole Traders and Tradies
Electricians, plumbers, builders, and sole operators across Australia. Low-doc up to $500k without financials. Brand new ABNs welcome.
Self-Employed Professionals
Accountants, consultants, healthcare professionals, and lawyers who need tax-effective vehicle finance without the bank runaround.
Contractors and Owner-Drivers
Labour hire, subcontractors, freight and courier drivers. Variable income is not a problem. We present your application correctly.
New ABN Holders
Just registered? Several lenders on our panel have no minimum trading history. Apply from day one of ABN registration.
Companies and Trusts
Pty Ltd, trusts, and partnerships needing car or fleet finance. Competitive rates and access to the right lender for your structure.
Complex Structures
Multiple entities, variable income, or overseas earnings. Our expert team navigates applications that banks routinely decline.
Why Use Valco Group For Business Finance?
The tax advantages are significant. Your accountant will agree.
Claim GST Upfront
Claim the full GST on your vehicle purchase on your next BAS. An immediate cash flow benefit for any registered business.
Deduct Interest and Depreciation
Both the interest component of repayments and annual vehicle depreciation are claimable as business tax deductions.
Own the Asset From Day One
With a chattel mortgage you own the vehicle at settlement. Build equity in your business assets, not the lender's balance sheet.
Fixed Repayments
Predictable monthly payments for the life of the loan, regardless of interest rate movements.
1 Hour Approvals
Pre-approval in as little as 1 hour. Full settlement in 24 hours.
Low Doc Friendly
Up to $500k without tax returns. Just your ABN and a signed declaration. Available for new and established businesses.
Ready to Get Approved?
Choosing the Right Business Finance Product
Our brokers help you pick the right structure. Here is a quick guide.
| Feature | Chattel Mortgage | Finance Lease | Hire Purchase | Consumer Loan |
|---|---|---|---|---|
| Asset ownership | You (day 1) | Lender | Lender (until final payment) | You |
| Claim GST upfront? | ✓ Yes | On repayments only | ✗ No | ✗ No |
| Claim depreciation? | ✓ Yes | ✗ No | ✓ Yes | ✗ No |
| Interest deductible? | ✓ Yes | ✓ Yes | ✓ Yes | ✗ No |
| Balloon option? | YES. Up to 40% | ✓ Yes | ✓ Yes | Rarely |
| Best for | Most ABN holders | Off-balance-sheet | Gradual ownership | Personal use only |
Not sure which product is right? Call our expert team on 03 8456 9966.
What Can I Buy?
New and used assets from any dealer, private sale, or auction with no vehicle age restrictions.
Common Questions
Everything business owners and ABN holders ask before applying
Can I get a business car loan with an ABN?
Yes. Valco Group arranges business car loans for ABN holders across Australia including sole traders, contractors, and company directors. Several lenders on our panel have no minimum ABN age. Brand new ABN holders can apply from day one.
What is the best car loan for self-employed Australians?
A chattel mortgage is generally the most tax-effective option for self-employed Australians and ABN holders. It lets you claim GST on purchase, deduct interest and depreciation, and own the vehicle from day one. Valco Group specialises in chattel mortgages and ABN car loans for sole traders, contractors, and business owners nationwide.
Can I get approved without providing tax returns?
Yes. Valco Group offers low-doc options for ABN holders. You can borrow up to $500k with just your ABN and a signed income declaration. No financial statements or tax returns required. Available for new and established businesses.
How quickly can I get approved?
Pre-approval in as little as 1 hour. Full approval typically within 24 hours. For urgent purchases, call our expert team on 03 8456 9966 and we will prioritise your application.
Can a sole trader get a business car loan?
Yes. Sole traders are fully eligible for chattel mortgages and ABN car loans. We work with sole traders across trades, professional services, transport, and hospitality. Low-doc options are available if your financials are not up to date.
What documents do I need?
For low-doc: your ABN, a signed income declaration, and valid ID. For full-doc: tax returns and BAS statements may also be required. We will tell you exactly what each lender needs upfront before you commit to anything.
Do I need a minimum ABN age?
Not with all lenders. Some prefer 12 to 24 months of trading history, but several on our panel approve brand new ABNs from day one. We match your application to the right lender based on your situation.
How much can I borrow?
Finance from $10,000 to over $2,000,000. Low-doc options go up to $500k. There is no upper limit on full-doc applications, subject to lender assessment and your business financials.
What types of vehicles and assets can I finance?
Cars, utes, vans, trucks, trailers, motorcycles, equipment, and most business assets. New and used, no age restrictions, dealer or private sale accepted by most lenders on our panel.
What is a low-doc car loan?
A low-doc car loan lets ABN holders get approved without full financial statements. Approval is based on a signed income declaration. Valco Group offers low-doc up to $500k. Ideal for self-employed Australians and newer businesses without up-to-date paperwork.
Is Valco Group a reputable business car loan broker?
Yes. Valco Group has a 5.0 Google rating from over 150 verified reviews. FBAA accredited, Credit Representative 557151 authorised under Australian Credit Licence 543046. Access to 50+ lenders nationwide.
What is the difference between a business car loan and a personal car loan?
A business car loan (chattel mortgage) lets you claim GST on purchase, deduct interest and depreciation, and own the vehicle from day one. A personal car loan has none of these tax benefits. For any ABN holder using a vehicle primarily for work, a business car loan is almost always the better financial choice.
Valco Group Management Team
You deal directly with our expert team. Valco Group is not a call centre or a comparison site.
Francis has worked at every level of the automotive and finance industry, from dealerships through to brokerage, giving him a depth of market knowledge that is genuinely rare. He founded Valco Group over five years ago with a clear focus on expert, relationship-driven finance for Australia's self-employed professionals and business owners. Francis is personally involved in every client relationship at Valco Group.
With over 15 years in commercial and vehicle lending, Alex brings a level of experience to Valco Group that clients with more complex requirements particularly value. He specialises in higher-value assets, equipment, and cash flow and business lending solutions. Clients consistently highlight his clear communication and determination to find the best possible outcome, regardless of complexity.
Ready to Get Your Business Car Loan Approved?
Join thousands of Australian business owners, sole traders, and ABN holders who trust Valco Group for fast, expert vehicle finance.