Business Car Loan – finect

Home / Products / Business Car Loan

Business Car Loan (Chattel
Mortgage)

Own your business vehicle from day one while spreading the cost — with flexible repayments and potential tax advantages like the instant asset write-off.

🎯 Best for when: The business needs wheels now — and you’d rather own than lease.

Day 1

Vehicle ownership

Flexible

Repayment structure

✓

Tax advantages

🔒 Soft check only — won’t affect your credit score · ~2 minute application

What is a chattel mortgage?

A business car loan where you own the vehicle immediately — the vehicle acts as loan security, and once repaid it’s yours outright. Spread the cost over time while keeping cash in the business, and talk to your accountant about write-off benefits.

Business needs wheels

Own your vehicle from day one with a chattel mortgage.

Want tax advantages

Potential deductions like the instant asset write-off.

Rather own than lease

Spread the cost with flexible repayments.

Who it's for

Ready when you are

Apply in ~2 minutes. First offer within 24 hours. Funding in as little as 24 hours.

Soft check only · no hidden fees · declined elsewhere? Still apply.

Typical uses

Cars & utes

Get the vehicle earning for the business now.

Vans

Put a work van on the road from day one.

Light commercial
vehicles

Finance the wheels that keep jobs moving.

Fleet expansion

Add vehicles as demand grows.

Cash flow
management

Keep money moving without the crunch.

Explore other products

Unsecured Business Loan

Fast, flexible funding with no asset security. Based on your trading performance — not property.

Up to $1M

Secured Term Loan

Borrow against property or assets for larger amounts, lower rates and longer terms.

$10k – $1M+

Line of Credit

Up to $1M on demand. Draw what you need — only pay interest on what you use.

80–90% of invoices

Invoice Finance

Unlock 80–90% of unpaid invoices within 24 hours. Keep cash flowing without the wait.

80–90% of invoices

Trade Finance

Spread the cost of bulk stock over 2–9 months. Unlock supplier discounts.

2–9 month terms

Asset & Equipment Finance

Machinery, tools and tech — own the gear that drives your business from day one.

Flexible

Construction &
Development

Staged drawdowns matched to your build — from small builds to major developments.

Project-sized