Competitive rates
We compare 50+ lenders to find the structure and rate that fits your business. Major banks, second tier, and specialists, all on the same call.
Eligibility check
Chattel Mortgage finance, structured around your business.
Vehicle, equipment, and asset finance from $10,000 to $2,000,000 plus. Same-day approvals from a panel of 50+ lenders. Two senior brokers handling every deal personally.
Terms up to 7 yearsBalloons up to 40%Low-doc up to $250kNo upfront fees
Do you have an active ABN?
We'll match you to the right type of finance.
Trusted lenders
50+ trusted lenders competing for your business.
Why Valco
A panel and a process built for finance that actually fits.
Four reasons businesses keep coming back to us for vehicle and equipment finance.
Low-doc friendly
Up to $250,000 without financials, depending on the lender and structure. Fast when paperwork would slow things down.
Same-day approvals
Pre-approvals usually within hours. Settlement typically inside 24 to 48 hours once the lender has what they need.
Senior brokers, every deal
Your file is handled by Francis or Alex personally. No call centres. No juniors. The same broker from first call to settlement.
Recent approvals
Recent chattel mortgage approvals.
A snapshot of recent vehicle and asset finance approved through our chattel mortgage product.
What our clients say
Trusted by Australians financing vehicles and equipment.
5.0 from 150+ Google reviews. Real businesses, real outcomes.
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.
Nicole Dewberry · The Tax Tailor
How we compare
Why a broker beats the dealer.
Most chattel mortgage deals get worse rates and tighter terms when arranged through the dealership. Here's why.
Going through the dealer
- Limited to one or two financiers the dealer has agreements with
- Rate often built into the deal price, harder to compare
- Pressure to sign on the same day as the vehicle
- Hidden fees common in dealer finance contracts
- The dealer is paid by the lender, not by you
Working with Valco
- 50+ lenders compared on every deal
- Transparent pricing, no rate hidden in the asset price
- No pressure. Take your time, decide when you're ready.
- No upfront fees. We're paid by the lender on settlement.
- Two senior brokers working for you, not the dealer
Real approvals
Real situations. Real outcomes.
Recent examples of work we've structured for self-employed clients.
Tradie
12-month ABN, clean credit, GST registered
Approved without financials under low-doc policy
Plumber
2-year ABN, GST registered
100% finance for a van without providing financials
Carpenter
Provided BAS via Xero
Approval delivered within 4 hours
Frequently asked
Common questions about chattel mortgage.
Quick answers to the questions most often asked when working with us on vehicle finance.
- 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?
- 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.
Ready to find out?
Check your eligibility in 30 seconds. No credit check. No commitment. Just a clear answer.
Or call us on (03) 8456 9966