Commercial Truck and Ute Finance

Trucks and Utes Finance for Small Businesses

If you run a trade, landscaping, delivery, farming, or mobile service business, you know the right truck or ute keeps your work on schedule, safe, and efficient. We guide you through business truck and ute finance options that suit your cashflow, and long-term business goals so you can choose with confidence and feel good about your investment.

How the Process Works for Trucks and Utes

We take the time to understand your business, your goals, and the truck or ute you need. From there, we explore finance solutions that suit your plans, manage the paperwork, and work with lenders. Our approach is practical and tailored, giving you the information you need to make confident decisions.

Here’s how it typically works:

1. Chat with us
   Tell us the truck or ute you’ve got your eye on, how you’ll be using it, and when you want it rolling.
2. We crunch the options
   We dig into lenders, repayment structures and cashflow impact so you don’t have to do the number crunching yourself.
3. Clear choices, no confusion
   We lay out the comparisons plainly, repayments, benefits, and the key stuff, so you can see what actually works.
4. You decide
   Take your time. When you’re happy, we handle the boring paperwork and chat with the lender for you.
5. Vehicle ready for action
   Finance is sorted, keys in hand, and your truck or ute is ready to hit the road and do the hard yards.
6. We’ve got your back
   Upgrades, refinancing, or adding more vehicles down the track? We stick around to make sure your fleet keeps working for your business.

What Can Be Funded?

We can help fund a wide range of vehicles to suit your business needs, whether you’re starting out or expanding your fleet:

• Single Cab Utes – Ideal for light deliveries and daily work runs
• Dual Cab Utes – Extra seating for the crew without sacrificing tray space
• 4×4 Utes and Trucks – For offsite or rough terrain work
• Light, Medium, and Heavy-Duty Trucks – Designed for trades, construction, or logistics
• Tipper Trucks and Flatbeds – Suited for materials handling or hauling
• Trade Fit-Outs and Accessories – Toolboxes, canopies, ladder racks, bull bars
• Custom Modifications – Industry-specific upgrades to enhance efficiency and safety

Why Business Owners Choose Atlas Broker

You’ll make confident decisions when partnering with us to finance your truck or ute. We take the time to understand you, your business, and your goals so we can structure finance that actually works for you. We know trades, landscaping, delivery, farming, and mobile service businesses, so we understand how the right truck or ute keeps your work efficient, safe, and profitable.

You’ll have one dedicated broker, backed by a support team, guiding you from quote to settlement and beyond.

Why business owners choose us:

• Clear, educational guidance on truck and ute finance options
  
• Tailored solutions that suit your cashflow and long-term growth goals
  
• One broker with a full operations team handling the paperwork and lender liaison
  
• Industry-aware insights for trades, delivery, farming, and service-based businesses
  
• Ongoing support for vehicle upgrades, refinancing, or expanding your fleet
  

Loan Structures and Options

We offer a range of truck and ute finance options, including;

Chattel mortgage
Ownership from the start with potential depreciation benefits. Suits long-term equipment users.

Hire purchase
Predictable payments with ownership at the end. Simple and familiar.

Finance lease
Use vehicles without immediate ownership. Good for regular upgrade cycles.

Lease with residual
Lower ongoing repayments with a final balance. Works if you plan ahead and review regularly.

Commercial loan / secured business loan
Useful when purchasing multiple items or combining with broader business funding.

Short-term rental
Not formal finance, but worth considering for seasonal or trial usage.

We explain what each option means in practice so you can choose with confidence, not guesswork.

Truck Loan Repayment Calculator

Use our simple calculator below to estimate your repayments. It’s quick, accurate, and completely obligation-free.

Enter your desired loan amount, interest rate, and term to calculate your truck/ute finance. For a tailored vehicle loan quote in Australia, contact our expert brokers directly.

Commercial Truck Finance FAQs

We’ve answered some of the most common questions about Trucks and Ute Fibelow: