Business Vehicle & Ute Finance

Financing a vehicle for your business is more than just a loan—it's a strategic decision that impacts your cash flow and tax position. At Max Rich, we are specialists in commercial vehicle finance. We go beyond finding a low rate to ensure you have the right finance structure, like a Chattel Mortgage, to maximise the benefits for your Gold Coast business.

Business Car Loans & Vehicle Finance on the Gold Coast

Whether you need a new ute to service clients across the Gold Coast, a delivery van for your operations in Arundel, or a prestige vehicle for company use, we've got you covered. We understand that as a business owner, you're time-poor and need a fast, efficient process. We act as your expert partner, cutting through the paperwork and jargon to secure the right finance from a panel of specialist lenders, often with low-doc options for established ABN holders.

Our Fast-Track Process for Business Vehicle Finance

Our process is designed to get your business on the road as quickly as possible, with minimal interruption to your workday.

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1

Business Needs & Instant Quote

‍We start with a quick chat to understand your business, your ABN structure, and the vehicle you're purchasing to provide a tailored quote.

2

Simple Business Application

‍Our application is streamlined for business owners. We only ask for the essential information and have flexible documentation options available.

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3

Specialist Lender Matching

‍We compare offers from lenders who specialise in commercial vehicle finance to find you the most competitive rates and suitable product for your needs.

4

Rapid Approval for ABN Holders

‍We know business can't wait. We push for the fastest possible approval, often securing a decision on the same business day.

5

We Handle the Invoicing

‍Once approved, we liaise directly with the dealership or seller to obtain the invoice and prepare all the settlement documents for your review.

6

Settlement & Vehicle Delivery

‍We manage the final payment to the seller, so all that's left for you to do is take delivery of your new vehicle and put it straight to work.

Explore your loan options & their features.

We offer a range of smart finance structures for your business vehicle. A Chattel Mortgage is the most popular option for GST-registered businesses, allowing you to take ownership immediately and potentially claim the GST on the purchase price and depreciate the asset. A Finance Lease is a great rental agreement for a fixed term, offering lower monthly payments with the option to purchase at the end. We also have Low Doc Car Loan options for ABN holders who may not have up-to-date financials. Please consult your accountant to determine the best structure for your business.

Commercial hire purchase

A Commercial Hire Purchase (CHP) is a straightforward finance agreement where a lender purchases an asset on your behalf and hires it to your business for a fixed term. Your business has full use of the asset while making regular payments.

Chattel mortgage

Commonly used by business owners and operators for car and equipment finance.  With a chattel mortgage, the asset is owned by you from the outset and the loan agreement is secured by the asset.

Finance lease

A Finance Lease is a powerful tool for Gold Coast businesses to acquire essential vehicles or equipment without any upfront capital outlay. Under this arrangement, the financier purchases the asset on your behalf, and your business leases it from them for a fixed monthly rental payment over an agreed term.

Novated lease

A Novated Lease is one of the most tax-effective ways for salaried (PAYG) employees on the Gold Coast to finance and run a vehicle. It's a simple arrangement between you, your employer, and a financier, where your car payments and all running costs are bundled into one regular deduction from your pre-tax salary.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Balloon Payment Calculator

Use the balloon payment calculator to understand the impact that a balloon payment will have on your monthly loan repayments and the total amount of interest you’ll be required to pay.

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Car Loan Calculator

Find out how much your car loan repayments will be, and the total interest charged for the car loan.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Frequently asked questions.

View our full FAQs
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What are closing costs?

Closing costs are fees associated with finalising a mortgage transaction. These costs can include loan origination fees, title insurance, appraisal fees, and more. Typically, closing costs range from 2% to 5% of the loan amount.

Importance of Closing Costs

Being aware of closing costs is essential for buyers, as they can significantly impact the overall cost of purchasing a home.

What are the types of mortgages?

There are several types of mortgages available to borrowers, each with its own features and benefits. The most common types include:

  • Fixed-Rate Mortgage: The interest rate remains the same throughout the life of the loan.
  • Adjustable-Rate Mortgage (ARM): The interest rate may change at specified times, usually resulting in lower initial payments.
  • Interest-Only Mortgage: The borrower pays only the interest for a certain period, after which they begin paying off the principal.

Choosing the right type of mortgage depends on individual financial situations and long-term goals.

What is a good interest rate?

A "good" interest rate is more than just the lowest number. The most competitive loan package is one that has a great rate combined with the right features (like an offset account), low fees, and a lender policy that suits your circumstances. Our job is to compare options from over 60 lenders to find the loan that offers the best overall value for you.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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