ABN Business Loans
Truck, Machinery & Equipment Finance
Chattel mortgage, commercial hire purchase, and equipment finance for ABN holders. Tax-effective structures from our lender panel.
Why Finance Through Caree?
Tax-smart finance structures built for Australian businesses
Claim GST Upfront
With a chattel mortgage, claim the full GST credit on your next BAS return.
Tax Deductions
Deduct interest payments and depreciate the asset over its useful life.
Fast Approval
Pre-approval often within 24 hours. Dedicated broker for commercial deals.
Commercial Assets with Finance
Browse available trucks, machinery, and trailers with finance ready to go.
No commercial listings right now
Book a VIP call below and our commercial finance broker will help you find the right deal.
Book a VIP CallCommercial Asset Calculator
Estimate your weekly repayments on trucks, machinery, and trailers.
Repayment Calculator
You could own this for just $119/week
Get pre-approved — commitment freeEstimated repayments of $119/week are indicative only, calculated on a 8.99% p.a. indicative rate over 5 years assuming 100% finance with no balloon payment. These estimates do not include fees and charges. Actual repayments, rates, fees, and approved amounts are subject to individual circumstances and lender approval. Deposit, trade-in, and balloon options may reduce repayments. This information is general in nature and does not take into account your personal financial situation, needs or objectives. Repayment estimates are indicative only, based on the example shown, and subject to lender assessment and responsible lending obligations. Actual rates, fees and approvals vary. WARNING: The comparison rate shown is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit assistance is provided by Braid Finance Pty Ltd (ABN 80 638 771 007), Australian Credit Licence #536690.
Representative example
- Loan amount
- $30,000
- Loan term
- 5 years
- Interest rate (APR)
- 8.99% p.a.
- Comparison rate
- 9.54% p.a.
WARNING: The comparison rate shown is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Note for business borrowers: Business loans are generally not regulated under the National Consumer Credit Protection Act. Different terms and conditions apply to commercial credit — ask your broker for details. Sole traders may still be eligible for external dispute resolution through AFCA. This information is general in nature and does not take into account your business's financial situation, needs or objectives; please seek independent accounting and legal advice.
Credit assistance is provided by Braid Finance Pty Ltd (ABN 80 638 771 007), Australian Credit Licence #536690.
VIP Business Finance Consultation
ABN holders get priority access to our commercial finance specialists. Book a free, no-obligation call today.
Free consultation. No obligation. Takes 2 minutes to book.
Business Finance FAQ
Common questions about commercial asset finance in Australia
What is a chattel mortgage and how does it work?
A chattel mortgage is a business finance structure where the lender takes a mortgage over the asset (chattel) while you take ownership immediately. It is popular with ABN holders because you can claim GST on the purchase price upfront, claim interest as a tax deduction, and depreciate the asset over its useful life.
What tax benefits are available with business asset finance?
Under a chattel mortgage, you can claim the GST credit on the purchase price in your next BAS, deduct interest payments as a business expense, and depreciate the asset. You may also be eligible for the instant asset write-off if the asset is under the threshold. Always consult your accountant for advice specific to your situation.
Do I need an ABN to apply for business finance?
Yes, an active ABN is required for business asset finance products like chattel mortgages and commercial hire purchase. If you do not have an ABN, you may still be eligible for a consumer asset loan instead.
What types of commercial assets can I finance?
We finance trucks, trailers, earthmoving equipment, forklifts, cranes, agricultural machinery, commercial vehicles, and other business-use equipment. Both new and used assets are eligible.
How long does business finance approval take?
Many business finance applications can be pre-approved within 24 hours. Full approval depends on the complexity of the application and the documentation provided. Our brokers specialise in fast-tracking commercial deals.