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Typical amounts from $15,000 to $200,000+ depending on profile and van
1 to 7 year terms with optional balloons/residuals
Same-day decisions possible for eligible applications
Dealer, auction or private sales supported
Chattel mortgage, hire purchase, finance lease
Shelving, refrigeration, racking and signage can be included
Share business details, the van youâre eyeing and your budget.
Our Lender Match compares structures, rates and terms side-by-side.
Provide ID, ABN/GST and bank statements (financials for higher limits).
We coordinate with the seller so you can get on the road sooner.

Van finance helps Australian SMEs and sole traders acquire mission-critical vehicles without a large upfront hit to cash flow. Common structures include chattel mortgage (you own the van from day one), commercial hire purchase (ownership transfers at the end) and finance lease (use the van during the term with a residual). Pricing depends on turnover, trading history, credit profile and the vanâs age and kilometres. Balloons can reduce repayments to align costs with the vanâs useful life. Whether youâre building a delivery fleet or converting a mobile workshop, the right structure keeps cash flow smooth while preserving working capital.
This guide is broken down into the following sections. Click a link if you want to skip ahead.
Choose a structure aligned to tax treatment, ownership and cash flow:
A secured loan where you own the asset from day one while the lender holds a mortgage over it as security. Perfect for business equipment, vehicles, and machinery purchases.
Established businesses looking to purchase equipment, vehicles, or machinery with immediate ownership and maximum tax benefits.
A financing arrangement where you hire the asset with an obligation to purchase it at the end of the term. Combines the benefits of gradual ownership with manageable monthly payments.
Businesses that want eventual ownership of assets but need to spread the cost over time, particularly suitable for essential equipment with long useful life.
A lease agreement where you use the asset throughout the lease term with the option to purchase it at the end. Ideal for businesses wanting to preserve cash flow while accessing essential equipment.
Growing businesses that need equipment access without large capital outlay, or companies wanting to preserve cash flow for operations.
A rental agreement for business equipment where you use the asset for a set period without ownership obligations. Perfect for equipment that becomes obsolete quickly or seasonal business needs.
Businesses needing short-term equipment access, companies in rapidly evolving industries, or those wanting predictable operating expenses without ownership risks.
Vans are the workhorse of Australian business. Finance can cover purchase and fit-outs for a range of industries.
Cargo vans for eCommerce fulfilment and last-mile routes with shelving and cargo barriers.
Crew or mid-roof vans fitted with racking, partitions and power for tools and materials.
Chill or freezer conversions for food, floristry or pharmaceuticals with compliant insulation.
Set up mobile workshops for mechanics, locksmiths, installers or on-site maintenance.
Transport AV gear, staging and signage between venues with secure storage solutions.
People-mover or crew conversions for hotel, airport or tour transfers (where eligible).

Daniel R, Parcel Pace Pty Ltd
Industry: Courier & Logistics
Challenge: Needed two new high-roof vans to keep up with parcel volumes without straining cash flow.
Solution: Finance lease, 48-month term with a 30% residual aligned to expected resale value.
A Sydney courier business upgraded to two late-model high-roof vans. By selecting a finance lease with a residual, they reduced monthly costs and preserved capital for hiring drivers. The expected resale value is projected to clear most of the residual at term end, keeping upgrades simple.
Typical facility sizes range from $15,000 to $200,000+ per vehicle. Limits depend on turnover, time in business, van age/kilometres and your credit profile. Many lenders fund up to 100% of the purchase price (plus on-roads and fit-outs) for newer vans; older vehicles may attract lower LVRs and shorter terms.
Balance over time
Eligibility focuses on serviceability and vehicle suitability. Newer, lower-kilometre vans often attract sharper pricing and longer terms. Strong bank-statement health and stable trading history improve approval odds.
You may be eligible if you are:
An Australian business with active ABN (GST preferred for larger limits)
Over 18 years old
Trading for 6â12 months (start-ups considered case-by-case)
Minimum monthly turnover of $5,000â$10,000
Purchasing an eligible van (cargo, crew, people-mover, refrigerated)
Complete a quick online application and upload documents. Weâll source multiple offers across chattel mortgage, hire purchase and lease options, then coordinate settlement with the seller.
Documents you may need:
ABN and GST details
Photo ID (driverâs licence or passport)
Business bank statements (3â6 months)
Tax returns/BAS for larger limits
Vehicle details (VIN, rego, invoice/quote)
Compare structures as well as ratesâchattel mortgage vs lease vs hire purchase can change cash-flow, tax treatment and total cost. Choose a residual/balloon that aligns with the vanâs expected resale value and your kilometres. Bundle fit-outs (shelving, refrigeration, partitions) at settlement so theyâre financed at the same rate. Newer vans typically qualify for sharper pricing. Avoid unnecessary add-ons and consider total cost of ownership (tyres, servicing, fuel/energy).
Example: Balloon impact â $65,000 over 60 months at 8.49% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $1,335 | Highest monthly cost |
10% ($6,500) | $1,216 | Lower monthly cost |
20% ($13,000) | $1,097 | Balance of cost vs cash flow |
30% ($19,500) | $978 | Lowest monthly cost; plan for resale/refinance |
Van finance can be set up to suit repayments, ownership and upgrade cycles. Here are the key choices:
Most van loans are secured against the vehicle for sharper rates. Unsecured options exist but with higher costs and lower limits.
Lower monthly repayments by deferring a lump sum to the end; pay out, refinance or trade-in later.
Fixed offers certainty for budgeting; variable may save if market rates fall but adds interest-rate risk.
Some lenders allow extra repayments or early payout; others charge break feesâcheck before you sign.
Shelving, refrigeration and partitions can often be included in the initial finance at the same rate.
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I had an excellent experience with Emu Money as they managed my car financing process smoothly and quickly. They were extremely professional and proactive, making the entire process stress-free. From start to finish, Emu Moneyâs team ensured that everything was handled efficiently, keeping me informed along the way. I appreciate their responsiveness and dedication, which made the process seamless. Highly recommend Emu Money for anyone looking for a reliable and professional financial partner!
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