Valco Group Financial Services
5.0
from 190+ reviews
2,000+

Car Finance for
Business Owners

Finance for Cars, Trucks, Vans & Utes. We specialize in getting business owners faster approvals with lower rates.

INSTANT SMS QUOTES
$
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Fast, efficient and hassle-free. Sorted everything in less than 2 days with a better deal than I could find…

— Cameron F. · Director, Complete Feet Orthotics

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Work for yourself?There's finally an easy option for car loans.

Banks make car finance hard. We arrange finance through lenders that assess ABN holders on their real position. Often without tax returns.

$500k

Tax not up to date? We can secure car, ute, van & truck finance with low-doc loan approvals up to $500k.

0–3 months

New business? We can secure loans for brand new businesses. Our expert team has dealt with every possible scenario.

GST

Own it, claim the benefits. Chattel mortgage: you own the vehicle from day one and claim GST upfront.

TAX

Claim interest and fees. Access loan products to allow full tax deductibility for eligible clients.

How do we get low rates, fast approvals & barely ask for any paperwork?

More lenders on the panel

We compare majors, second tier and specialist financiers on the same call, so your deal goes to the lender most likely to say yes at the best rate.

Thousands of deals settled

Our brokers have structured thousands of approvals. We know which lender takes bank statements, which takes one BAS, and which will not budge.

Two decades of experience

Commercial lending experience means the file is packaged correctly the first time. That is what turns days of back-and-forth into hours.

Do you need tax returns for approval
when you're self employed?

We can secure approvals for ABN holders on just bank statements or a single BAS. Here are four real approvals.

Approved
Uber
$81,000
ABN age
3 months
GST
Registered
Residential
Renter
Documents required
90-day bank statements
Approved
Transport
$250,000
ABN age
2 years
GST
Registered
Residential
Home owner
Documents required
Low-doc loan
Approved
Trades
$100,000
ABN age
6 months
GST
Registered
Residential
Renter
Documents required
One quarter BAS
Approved
Retail
$42,000
ABN age
4 months
GST
Not registered
Residential
Renter
Documents required
90-day bank statements

Approvals shown are real client outcomes. Your own requirements depend on the lender, the asset and your position.

Reviews from Australian brands

Google5.0 from 185+ reviews.

The Tax Tailor
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.
ND
Nicole Dewberry

Recent chattel mortgage approvals

A snapshot of recent vehicle finance approved through our Chattel Mortgage product.

Toyota LandCruiser 2025
Agriculture
Regional VIC
Chattel mortgage
Approved in 24 hrs
$150,000Toyota LandCruiser 2025

Showing approval 1 of 3: $150,000 Toyota LandCruiser 2025

Financing a new Ute in your business?

Buying a new ute for the business? We can help with the finance, whether you're buying a Hilux, Ranger, D-Max, Triton, Navara or something else entirely.

We finance new and used utes from dealers and private sellers, with access to more than 50 lenders. If you've got an ABN, we can also access low-doc options when tax returns aren't up to date.

You'll deal directly with senior brokers who can compare the options and structure the loan around your business, including longer terms and residuals to suit your cash flow.

Ford Ranger Tremor

Ford Ranger Tremor

Dual cab 4x4

Purchase price
$56,500
Repayments
$189 per week
Term
5 years / 40% residual
Approval type
Low-Doc

Showing ute example 2 of 3: Ford Ranger Tremor

Above are examples of applications processed. Exact offers are subject to credit assessment and lender approvals. Our expert team will help you find the right deal for your circumstances.

FAQ about car finance for ABN holders

Can I get a car loan with an ABN?
Yes. An active ABN is the basis for a business car loan. Sole traders, partnerships, and company directors can finance a car, ute, van, or truck for business use, usually as a chattel mortgage. Approval is based on your ABN, the vehicle, and your overall position, and many lenders approve the same day.
Can I finance a ute through my ABN?
Yes. Sole traders, companies, trusts, and partnerships can finance a new or used ute through an active ABN, with options available for purchases from dealers, private sellers, and auctions. Depending on your position, low-doc approval may be available with no financial documents, or using a BAS or bank statements instead of full tax returns.
Can I get a business car loan without tax returns?
Yes. Low-doc business car loans are available with no tax returns and no financial statements for amounts up to $500,000, depending on the lender and your profile.
How long does my ABN need to be registered?
Realistically, lenders want to see at least 3 months of turnover behind your ABN. You do not need years of trading history. Rates and conditions improve as your ABN ages, but around 3 months of activity is the practical starting point.
Is a business car loan different from a personal car loan?
Yes. A business car loan is assessed on the business and the vehicle rather than on payslips, and it is normally structured as a chattel mortgage so the vehicle sits on your books from day one. That structure is what makes the interest, depreciation, and GST claimable. A personal car loan offers none of that.
Do I need a deposit for a business car loan?
Usually no. Most business car loans are approved with zero deposit, depending on the vehicle, the loan structure, and the overall application.
Is a business car loan tax deductible?
When the vehicle is used for business, ABN holders can generally claim the interest, depreciation, and running costs in proportion to business use, and usually the GST on the purchase price upfront if registered for GST. Confirm the specifics with your accountant.
What interest rate do ABN holders pay on a car loan?
Rates depend on the vehicle, your ABN and GST history, credit profile, and property status. Comparing lenders matters more on a business car loan than on a personal one, because policy varies so much between them. We compare 50+ lenders to find the sharpest available rate.
How fast can a business car loan be approved?
Most applications from sole traders and business owners are approved within the same business day once details are provided, with settlement often inside 24 to 48 hours.
Can I use the same lenders for equipment or working capital?
Yes. The same low-doc lending panel covers tools, machinery, fit-out, and general business funding for ABN holders. Tell us what the funds are for when you request a quote and it goes to the right desk.
Can I get a business car loan with bad credit?
Often yes. Specialist lenders outside the major banks finance ABN holders with credit issues or ATO debt. Expect a higher rate, with refinancing options once your file improves.

Get your business car loan quote.

Or call us on (03) 8456 9966