Chattel Mortgage & Car Finance For Australian Businesses
Same-day approvals with expert broker advice. Access 60+ lenders and flexible finance solutions built for cash flow, tax deductions and business growth.
- Terms up to 7 years • Balloons up to 40%
- Finance from $10k to $2M+ • New & Used (no age limits)
- Low-doc friendly • Up to $250k without financials
- Same-day approvals • Settlements in as little as 24 hours
Get Your Finance Approved Fast
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
Get Your Car Financed in 3 Simple Steps
Get Your Quote
Complete our 60-second form. No upfront credit checks. Only basic details required.
Compare Options
Your expert broker compares 50+ lenders to find the best deal for your situation.
Get Approved & Settle
Same-day pre-approvals. Settled funds typically within 48 hours so you can get back on the road.
50+ TRUSTED LENDERS COMPETING FOR YOUR BUSINESS
Why Businesses Choose VALCO GROUP
Competitive Rates
From 5.49% p.a. We compare 50+ lenders to find you the lowest rate for your situation.
Low-Doc Friendly
Finance up to $250k with no financial documents required. No tax returns. No bank statements.
Same-Day Approvals
Pre-approval within hours, not days. Final approval typically within 24 hours.
Expert Brokers
Your deal is handled by senior brokers only. Each broker has 10+ years' experience. No juniors. No call centres.
Finance Any Vehicle Your Business Needs
Car & SUV
- ✓New & used vehicles
- ✓Business & personal use accepted
- ✓Electric & hybrid vehicles included
- ✓No age limits on vehicles
Utes
- ✓Single cab, dual cab & crew cab
- ✓Trades, contractors & fleet vehicles
- ✓New or used purchases
- ✓No age limits on vehicles
Vans
- ✓Delivery, trade & service vans
- ✓Petrol, diesel & electric options
- ✓Fit-outs can be included in finance
- ✓No age limits on vehicles
Recent Vehicle Finance Approvals
Real examples of vehicle finance we've arranged for Australian businesses in recent months.
Trusted by 2,000+ Business Owners
"I couldn't be more pleased with the service I received from Francis and Alex at Valco Group Financial Services. 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. I will definitely be using their services again and highly recommend them to anyone seeking asset finance."
"Had Alex handle the finance for our new business vehicle and he did a fantastic job. Communication was very good and he really made the whole process easy to deal with. He bounced back and forward to get the best deal he could and can tell he cares about what he does. Can't thank him enough, 100% will be using again for any further things of this nature."
"So glad we met Francis! He has helped us find 3 vehicles in the last 12 months the newest addition for my business arriving today. Professional, and down to earth, and simply just makes the whole process easy! We will be using Francis for all our vehicle and finance advice and needs. A+++++"
Frequently Asked Questions
Do I need a deposit for vehicle finance?
In most cases, no deposit is required. Many vehicle finance applications are approved with zero deposit, depending on the vehicle, structure, and overall application.
Can I finance a used vehicle?
Yes. New and used vehicles of any age can be financed, subject to the vehicle and lender being matched correctly. Dealer purchases, private sales, and auction purchases are all supported.
Can I get vehicle finance without providing tax returns?
Yes. Low-doc vehicle finance is available with no financial documents required for loans up to $250,000, depending on the lender and structure.
What types of vehicles can I finance?
We arrange finance for most vehicles used by Australian businesses. This includes cars, SUVs, utes, vans, and vehicles with business fit-outs. Dealer, private sale, and auction purchases are all supported.
Can a new business or new ABN get vehicle finance?
Yes. We can arrange vehicle finance for businesses that have been operating for as little as one day. Approvals are based on experience, structure, and the overall deal rather than time in business alone.
How long does vehicle finance approval take?
Most vehicle finance applications are approved within the same business day once the required details are provided.
What interest rates can I expect on vehicle finance?
Interest rates vary based on the vehicle, age, business profile, and credit position. We compare multiple lenders to find the most suitable option rather than offering a single rate.
What is the difference between a Chattel Mortgage and a Finance Lease?
With a Chattel Mortgage, the business owns the vehicle from day one and GST is usually claimed upfront. With a Finance Lease, the lender owns the vehicle during the term and the business makes fixed lease repayments, with options available at the end of the lease.
Can I get vehicle finance if I have bad credit or ATO debt?
Yes, in many cases. There are lenders outside of the major banks that specialise in vehicle finance for businesses with credit issues or ATO debt, and many deals are still achievable.
Takes 60 seconds. No upfront credit checks.