Vehicle & Machinery Finance
for Australian Businesses
Whether you’re a tradie needing a ute, a transport operator expanding your fleet, or a construction company buying an excavator – we find the right finance structure at the most competitive rate across our 40+ lender network.
✓ Unbeatable pricing – we compare 40+ lenders on your behalf
✓ Full-doc and low-doc options available
✓ Sole traders, SMEs and large businesses all welcomel
✓ Fast approvals – most deals done within 24–48 hours
★★★★★ 5-star rated on Google
500+ clients funded
FBAA member
Former Macquarie Bank specialists
Vehicle & machinery finance for business
Business Keeps Moving When You Have What You Need
Whether you’re a tradesperson, an established small or large business, or an aspiring owner with a start-up in mind – we help you secure the right financing to grow and succeed. We work with 40+ lenders including the major banks, tier-2 lenders, and specialist providers, meaning we genuinely shop the market and find you the most competitive deal for your profile.
Our team comes from senior roles at Macquarie Bank – one of Australia’s leading asset finance lenders. That means we know how lenders think, what they look for, and how to position an application for the best possible outcome. We don’t put your deal to the first lender that comes to mind – we find the right one.
And in most cases, our service costs you nothing. Our brokerage fee is paid by the lender at settlement, not by you.
Is This Right For You?
✓ You’re an established business, sole trader, or company director
✓ You have an ABN – new or established
✓ You have financials – or need a low-doc option
✓ You want competitive rates without the bank runaround
✓ You need a fast answer – ideally within 24–48 hours
Call us on 0435 782 111 or fill in the form above – we’ll come back to you within 60 minutes with a clear picture of your options. No obligation.
WHAT WE FINANCE
Vehicles, Equipment & Machinery – We Finance It All
If it powers or supports your business, we can most likely finance it. Here’s a broad overview of what we help clients fund every day.
Utes, Cars & Vans
Work vehicles for tradies, delivery, and sales teams.
Utes, vans, Cars
Trucks
The full range of transport and logistics vehicles.
Prime movers, rigid trucks, tilt tray, delivery trucks
Trailers
All types of trailers to move anything you carry.
Dog Trailers, tipper trailers, low loader trailers, box trailers, flatbed trailers, refrigerated trailers, plant trailers.
Construction, Earthmoving & Mining
Heavy equipment for civil contractors, miners and builders.
Excavators, skid steers, dozers, graders
Warehouse Equipment
Equipment for manufacturing, warehousing, and workshops.
Forklifts, access equipment, manufacturing lines
Agriculture
Farm vehicles and machinery for Australian rural operators.
Tractors, harvesters, balers, ploughs
Have bad credit or been declined? That’s a different product.
This page covers our standard finance for clients with good credit. If you’ve been declined or have credit challenges, our rent-to-own options may be the better fit.
Finance solutions
The Right Finance Solution for Every Business Need
Most commercial asset deals in Australia are structured as a chattel mortgage – but that’s just one tool in the kit. Here’s an honest overview of what actually works for different business situations.
Chattel Mortgage
The standard structure for almost all commercial asset purchases in Australia today. You own the asset from day one – the loan is secured against it. For GST-registered businesses it’s typically the most tax-effective option: claim the full GST component upfront, plus interest deductions over the loan term. Fixed repayments, flexible terms from 1–7 years, and an optional balloon payment to keep monthly repayments lower.
Best for: Any ABN holder purchasing a vehicle, truck, or piece of machinery – this is the go-to structure for 99% of commercial asset deals
Business Loan or Overdraft
Sometimes the need isn’t just the asset – it’s the cashflow to support it. A business loan or overdraft can cover working capital, repair costs, insurance, registration, or the gap between winning a contract and getting paid. We can structure asset finance and a cashflow facility together so the whole picture is funded, not just the truck or machine.
Best for: Businesses needing working capital alongside an asset purchase, or covering upfront business costs before revenue comes in
Invoice Finance
Transport and contracting businesses often face a timing gap: you’ve done the work, the invoice is sent, but payment is 30–90 days away and the next repayment is due now. Invoice finance (also called debtor finance) lets you draw against outstanding invoices immediately, smoothing out cashflow without taking on new debt. It’s particularly useful for owner drivers and fleet operators running on thin margins between jobs.
Best for: Transport operators and contractors with regular invoicing who need to bridge the gap between completing work and receiving payment
Indicative rates
What Rates Can You Expect?
Rates vary depending on your profile, asset type, lender, and loan term. Here’s a general guide – we’ll always present your exact options with real figures before anything moves forward. As a note, it’s always best to check total repayments and not just the rate – as rates can be calculated differently via different lenders which can be misleading to the true cost of your loan.
| Client profile | Typical rate range | Finance type |
| Established business, strong credit | From ~6.90% | Chattel mortgage |
| Newish business, 1-2 years ABN | ~7.9% – 8.5% p.a. | Chattel mortgage |
| Assets 10+ years old | ~8.5% – 11% p.a. | Chattel mortgage |
| New ABN | ~8.5% – 12% p.a. | Chattel mortgage |
Rates shown are indicative only and subject to change. Your exact rate depends on your profile, asset, and lender. We always show you multiple options so you can compare before deciding.
why choose bloom
Why Clients Choose Bloom Over Going Direct to a Bank
Going to a bank means one offer. Coming to Bloom means 40+ offers – then we find the best one for you.
🔗 40+ lender network
We compare major banks, tier-2 lenders, and specialist providers – then recommend the genuinely best option for your specific profile and asset.
What lenders look at, why deals get declined, and how rent-to-own changes the equation.
🏢 Ex-Macquarie Bank team
Adam and Laura both come from senior roles at Macquarie Bank – previously Australia’s leading asset finance lender. We know what lenders actually look for.
⚡Fast approvals
Most applications approved within 24–48 hours. We handle all paperwork and lender communication so you don’t have to wait around.
💰 No cost in most cases
Our brokerage fee is paid by the lender at settlement – not by you. You get expert help and market access at no direct cost.
📞 Ongoing support
Cash flow solutions for transport businesses
We don’t disappear after settlement. We stay in touch, help you manage your loan, and proactively look at refinancing when rates improve.
🎯 Genuine advice
We’ll tell you honestly which structure suits your situation. Our reputation is built on referrals, not one-off deals.
OUR LENDER NETWORK
40+ Lenders – We Find the Best Rate for You
We work with Australia’s major banks, tier-2 lenders, and specialist asset finance providers. This breadth of access is what allows us to find genuinely competitive rates for clients of all profiles.
We don’t have preferred lenders or volume incentives that push us toward certain providers. Our recommendation is always based on what’s best for your specific profile and asset — and we’ll show you the comparison before you decide.
Common questions
Frequently Asked Questions
Have a question we haven’t covered? Call us on 0435 782 111 – we’re always happy to have a straight conversation.
Going direct to a bank means one offer from one lender. Using Bloom means we compare 40+ lenders and find the most competitive rate for your specific profile and asset. We also handle all the paperwork — and in most cases our service costs you nothing because the lender pays our fee at settlement.
Most applications are approved within 24–48 hours of submitting a complete application. In some cases same-day approval is possible. We’ll give you a realistic timeframe upfront based on your situation and the lender involved.
For most clients, lenders assess your overall profile e.g. 2+ years trading, clean credit and property ownership or a deposit, rather than full financials. If you’re not eligible for streamline lending then – last 2 years of tax returns or financial statements, recent business bank statements, driver’s licence, and details of the asset you want to purchase.
Each case is different so best to speak with us to see what is required in your specific situation.
Yes – we regularly finance used vehicles, equipment, and private sale purchases. There may be additional requirements depending on the age and condition of the asset, but this is very common and we’ll guide you through it from the start.
Yes. Low-doc options are available for self-employed clients, newer businesses, and those whose financials aren’t fully up to date.
This page covers our standard finance for clients with good or clean credit profiles. If you have credit challenges, prior declines, or a complex situation, our rent-to-own options are specifically designed for that. See our rent-to-own page for more – or just call us and we’ll point you in the right direction.
In most cases, no. Our brokerage fee is paid by the lender at settlement – not by you. We’ll always be fully transparent about any costs before anything moves forward so there are no surprises.
Related pages & guides
Explore More From Bloom
More helpful pages depending on your situation.
BAD CREDIT
If standard finance isn’t available, rent-to-own is our specialist pathway for clients with credit challenges.
PARTNERS
Accountants, brokers, and suppliers – refer clients to Bloom and earn commission.
DEALER VS BROKER QUOTE
Comparing our quote to a dealer’s? Read our guide on why a lower dealer rate can cost you more.
CLIENT REVIEWS
See the Bloom Impact
Verified Google reviews from real clients across Australia.
GET STARTED TODAY
Ready to get a quote?
Let’s get the ball rolling.
Fill in the form above or call us directly – we’ll come back to you within 60 minutes with a clear picture of your options. No obligation, no cost to enquire.
☎ 0435 782 111 · ✉ info@bloomfs.com.au · Bowral NSW 2576