Commercial vehicle finance guidance for contractors and subcontractors.
This guide is built for contractors needing vehicle finance linked to contract income. It maps structure fit, approval expectations, and next-step pathways so you can move from research to lender-ready action.
| Question | Why it matters | Typical path |
|---|---|---|
| Do you need ownership? | Impacts GST and depreciation treatment. | Chattel mortgage if ownership is priority. |
| Will you replace every 3-4 years? | Affects residual and disposal risk. | Finance or operating lease can suit. |
| Is this mixed business/private use? | Changes tax evidence requirements. | Keep logbook and accountant guidance. |
Use one enquiry to compare commercial lending options aligned to this scenario.