Business Vehicle & Truck Finance
Drive Your Business Forward with Smarter Vehicle Funding
Whether you’re upgrading a single work ute or building an entire fleet, VIM Capital makes it simple to secure competitive vehicle finance tailored to your business.
Backed by VIM Cover and powered through our 70+ lender network, we help Australian businesses get on the road faster with flexible terms, fast approvals, and finance that fits your cash flow.
Funding growth. Fuelling ambition. That’s the VIM way.
Key takeaways
Borrow up to 120% LVR and bundle Costs (such as insurance, wrap and rego )
Variable Loan Terms, Up to 20 Years on Primary Asset Age, Balloons Available
Larger deals - Assets between $10K - $2M and Capital Raising against unencumbered equipment – 80% of FMV (Fair Market Value )
What is Business Vehicle Finance?
Business vehicle finance allows your company to purchase or lease cars, vans, trucks, or specialized vehicles without tying up valuable working capital. In some cases It allows you to borrow up to 120% of the vehicle price (new), using the vehicle as security against the loan. You’ll make manageable monthly payments while the vehicle earns its keep — preserving your cash flow and freeing your business to grow.
VIM Capital handles the legwork: we compare lenders, negotiate better rates, and structure the loan so you’re in the driver’s seat from day one.
How It Works
Discovery Call: We start by understanding your goals, vehicle needs, and financial situation.
Tailored Options: We source and compare offers from over 70+ commercial and asset finance lenders.
Approval & Documentation: We handle the application, paperwork, and lender negotiation — fast and frustration-free.
Delivery: You take possession of the vehicle or fleet, and we ensure your finance terms match your business cash flow.
Get started
Let’s get the Commercial Asset Finance you are after
Damian Van Raay
Director – Asset & Commercial Finance
Types of Vehicle
Finance options
Who It’s For
- Sole traders and small business owners
- Companies expanding or upgrading fleets
- Contractors and trades needing reliable transport
- Logistics, delivery, and service-based businesses
- Any Australian business ready to grow with smarter funding
What’s it For
- Cars
- Trucks and Heavy Vehicles
- Van’s, Utes and Pickup Trucks
- Logistics, delivery, and service-based businesses
- Any Australian business ready to grow with smarter funding
Commercial Lender Options
Why More Businesses Choose VIM Capital for Commercial Finance
Here’s what sets our finance solutions apart :
Smarter Finance, Built for Business.
We’re not a bank — we’re business people who understand the grind. VIM Capital delivers commercial, asset, and property finance solutions built around your goals, not red tape.
Proudly backed by VIM Cover.
Part of a group that empowers Australian business owners across insurance, finance, and support services — VIM Cover connects us with over 1,000 business relationships nationwide
Vitality, Integrity, Momentum.
We get deals done — quickly, clearly, and without surprises to keep your business moving. Speak directly with your finance specialist and get the clarity you need before you commit.
Your Motor Vehicle Finance Questions, Answered.
Business vehicle finance helps you purchase or lease vehicles for your business without tying up working capital. Whether you’re after one ute or a full fleet, VIM Capital structures finance solutions that keep your business mobile and cash flow steady.
Almost anything on wheels — cars, vans, trucks, utes, trailers, buses, or specialty vehicles. If it’s used primarily for business, we can help fund it through our network of 70+ lenders.
A chattel mortgage gives you ownership from day one while the lender holds security over the vehicle. Hire purchase lets you own the vehicle once final payments are made, while leasing means you use the vehicle for an agreed term and may upgrade later. We’ll guide you through the right structure for your needs.
Yes, quality used vehicles can often be financed, depending on their age, condition, and resale value. VIM Capital knows which lenders are most flexible for second-hand purchases.
Typically between 12 months and 7 years, depending on the vehicle type, purpose, and your preferred repayment schedule. We tailor terms to fit your business cash flow and asset usage.
Yes — many lenders allow you to bundle costs like insurance, warranties, or registration into the total finance amount, in fact as part of the VIM Collective this is whet we offer our Community . It’s a simple way to spread expenses over time rather than paying everything upfront.
Not always. For established businesses, standard documentation helps, but we also offer low-doc options for self-employed operators or sole traders. We’ll match your situation to the right lender and documentation level.
Absolutely. Many of our lenders offer flexible fleet and replacement policies that let you upgrade or add vehicles as your business grows. We’ll structure your finance to make that transition smooth.
Yes — depending on the finance type, your business may claim deductions for interest, depreciation, or lease payments. We recommend discussing the details with your accountant while we secure your best rate and structure.
Because we move as fast as your business does. Backed by the VIM Collective and powered by Connective’s 70+ lender network, we deliver quick approvals, competitive rates, and tailored solutions for every size fleet — from sole traders to national operators.
Have a question? Just ask!
One of our lending specialists will be in touch
