Fleet Finance Solutions

Fleet finance is a specialised form of financing designed to help businesses acquire multiple vehicles for their operations. This can include delivery vans, trucks, company cars, or any other vehicles needed to support your business. By using fleet finance, businesses can spread the cost of vehicle purchases over time, preserving cash flow and avoiding large upfront costs. Australian Equipment Finance offers flexible repayment terms and competitive rates, making it easy to expand your fleet while managing your budget effectively.

Applying for fleet finance with Australian Equipment Finance is simple. Complete our online application form, providing details about your business, income, and the vehicles you want to finance. After submission, we review your application and provide approval within 24 hours. Our fast approval process ensures you can quickly secure the financing needed to add new vehicles to your fleet and keep your business running smoothly.

Australian Equipment Finance provides fleet loans to finance a wide range of vehicles, including:

• Trucks: For transport, logistics, and construction businesses.
• Vans: Ideal for delivery and service industries.
• Cars: For sales teams, executive use, or employee commuting.
• Heavy Machinery: For construction, mining, and agriculture.
• Specialised Vehicles: Such as refrigerated trucks, dump trucks, or utility vehicles.

Whether you need to expand your fleet with cars or heavy equipment, our fleet finance loans cover the vehicles necessary to meet your operational needs.

Yes, Australian Equipment Finance offers fleet finance solutions for both new and used vehicles. Whether you're purchasing brand-new vehicles directly from a dealership or looking for pre-owned vehicles to save on costs, our loans provide the flexibility to finance both options. This ensures you can choose the best vehicles for your fleet based on your budget and operational requirements.

Fleet finance offers several key benefits, including:

• Preservation of Cash Flow: By spreading the cost of vehicle purchases over time, fleet finance allows you to keep working capital available for other business expenses.
• Fleet Expansion: Fleet finance gives you the flexibility to quickly scale your operations by adding more vehicles to your fleet.
• Flexible Terms: Customisable loan terms that fit your cash flow and budget, ensuring you can manage repayments comfortably.
• Tax Benefits: In many cases, the interest on fleet finance loans can be tax-deductible, making this an even more attractive option for businesses.

Yes, Australian Equipment Finance provides fleet loans for specialised vehicles, including refrigerated trucks, utility vehicles, dump trucks, and more. Whether your business requires vehicles with specific functionality or custom designs, we offer the financial flexibility to invest in the right vehicles for your operational needs. This ensures that your fleet is fully equipped to handle the demands of your business.

We offer flexible repayment options for fleet finance loans, allowing you to choose terms that fit your business’s financial situation. Loan terms can range from 12 to 84 months, depending on your preferences. You can opt for shorter terms with higher monthly payments or longer terms with lower monthly payments, based on what works best for your cash flow. Australian Equipment Finance works with you to customise a repayment plan that meets your business's needs.

Yes, you can refinance your fleet finance loan if you find more favourable interest rates or loan terms. Refinancing allows you to replace your current loan with a new one, potentially lowering your monthly payments or reducing the total interest paid over time. Australian Equipment Finance can help you explore refinancing options to ensure you continue getting the best deal for your fleet.

At Australian Equipment Finance, we offer a fast approval process for fleet finance loans, with most applications approved within 24 hours. This quick turnaround ensures that you can secure the financing you need to purchase or upgrade your fleet without delays, keeping your operations running smoothly.

Yes, Australian Equipment Finance offers flexible fleet finance solutions that can include additional costs such as maintenance, repairs, and extended warranties. This allows you to bundle all the expenses associated with your fleet into one manageable loan, simplifying your budget and making it easier to maintain your vehicles without financial stress.

Fleet finance is beneficial for a wide range of businesses, including:

• Transport and Logistics: Companies that rely on trucks or vans for deliveries or freight transport.
• Construction: Businesses that need trucks, heavy machinery, or utility vehicles to support operations.
• Service Industry: Plumbers, electricians, and other trades that use vehicles for daily operations.
• Sales Teams: Companies that provide cars for sales representatives or executives.

Fleet finance helps these businesses expand their operations, improve efficiency, and meet customer demand.

If you need to replace vehicles during the loan period, Australian Equipment Finance offers flexible options. You can either trade in your current vehicle, pay off the remaining balance on the loan, or roll the remaining balance into a new loan for the replacement vehicle. We work with you to ensure the transition is smooth and aligns with your business's financial situation.

Yes, you can finance a mix of vehicle types under one fleet finance loan. Whether you need a combination of trucks, vans, and cars for your business operations, Australian Equipment Finance provides loans that cover multiple vehicle types, allowing you to build a diverse and efficient fleet that meets all your operational needs.

Yes, in many cases, businesses can enjoy tax benefits when financing a fleet of vehicles. The interest paid on fleet finance loans is often tax-deductible, and businesses can also claim depreciation on their vehicles. It’s important to consult with a tax professional to fully understand the specific tax advantages that may be available to your business.

Yes, Australian Equipment Finance offers fleet finance loans with balloon payment options. A balloon payment is a larger sum paid at the end of the loan term, which allows for lower monthly repayments during the loan period. This structure gives businesses more flexibility with their cash flow, especially if they anticipate having more funds available at the end of the loan term to cover the balloon payment.