Drive your business forward
Personalised Car Loan Solutions for Your Business Needs
Acquiring the right vehicles is essential for many businesses, whether it's for deliveries, client visits, transporting equipment, or providing company cars for your team. However, financing a business vehicle requires a different approach than a personal car loan, with considerations for cash flow, tax implications, and operational efficiency.
At Ferns Finance, we understand these unique demands for businesses across Beenleigh, Logan, Scenic Rim, and the Gold Coast. We specialise in business car loans, designed to get your enterprise the vehicles it needs to operate smoothly and expand effectively.
How Ferns Finance Simplifies Your Business Vehicle Finance:
We work with you to understand your business structure, cash flow, and tax objectives, ensuring the car loan is a strategic asset for your company. Ferns Finance leverage our extensive network to find the best fit:
- Extensive Lender Network: We work with over 60 banks and specialist commercial lenders who offer a wide range of business vehicle finance options. This includes:
- Chattel Mortgages: A popular choice for businesses that want to own the vehicle outright and claim GST upfront.
- Hire Purchase: An option where you lease the vehicle with an option to purchase at the end of the term.
- Finance Lease: Allows you to use the vehicle for a fixed period with regular payments, without taking ownership.
- Operating Lease: Off-balance sheet finance where the lender retains ownership, often preferred for tax or asset management reasons.
- Tailored to Your Business: Whether you need a single utility vehicle, a fleet of delivery vans, or executive cars, we'll match you with a solution that aligns with your business's specific needs, cash flow, and depreciation strategy.
- Tax & Cash Flow Benefits: We'll help you understand how different loan structures can impact your tax position and improve your business's cash flow management.
- Avoid the Hassle: Forget the complexities of dealing with multiple banks. We handle all the legwork, from comparing competitive rates and terms to managing the application process, saving you valuable time and effort.
- Fast Approvals: We understand that time is money in business. Our streamlined process aims for quick approvals, getting your new or used business vehicle on the road without unnecessary delays.
Don't let vehicle acquisition slow down your business momentum. Talk to us today for expert, obligation-free advice on securing a business car loan that drives your success.
Your fleet's future with our business car loan process
From understanding your business needs to driving away in your new vehicle, here are the steps we take to get your business on the road.
Defining Your Business Vehicle Needs
Let's start by understanding what your business needs from its vehicles. Get in touch to discuss your current financial situation, fleet requirements, and growth plans. We can connect in person or online – whatever is most convenient for you.
Tailored Loan Solutions for Your Business
We'll meticulously compare options from a wide range of loan providers, specifically seeking out solutions that align with your business's financial structure and operational goals. Our aim is to create a precise shortlist of car finance options that best suit your commercial objectives.
Getting Your Business Pre-Approval
Once you've selected a preferred lender from our recommendations, we'll efficiently secure your pre-approval. This step clarifies your business's borrowing capacity, empowering you to shop for vehicles with a clear budget and confidence.
Sourcing Your Business Vehicles
With pre-approval in hand, it's time to find the perfect vehicles for your business! Whether you're looking for a single asset or building out a fleet, you can confidently proceed. We can even connect you with professional vehicle sourcing services to help you find the best commercial deals.
Finalising the Business Finance
Once your business has test-driven and selected its new vehicles, we'll take care of all the heavy lifting. We'll meticulously work with your chosen lender to secure the finance, ensuring all paperwork and agreements are precisely handled for your commercial acquisition.
Drive Your Business Forward!
The finance is secured, and the keys are ready! All that's left is to finalise the purchase. You can now pick up your new business vehicles and get them working for you, driving your operations forward efficiently and effectively.
Explore your loan options & their features.
There are a number of different loan types and features available to you, learn more below. We are here to help answer your questions when you’re ready.
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.
Other calculators
Car Loan Calculator
Find out how much your car loan repayments will be, and the total interest charged for the car loan.
Personal loan calculators
Frequently asked questions.
Do I have to come into an office to apply?
Do I need a finance broker?
Do you help with house and land packages in new developments around Logan or Yarrabilba?
Do you offer asset finance for tradies or service businesses in Logan or Gold Coast?
Do you work with local real estate agents and conveyancers?
How do finance brokers get paid?
Talk to us today about your options.
Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.