No deposit ute finance for commercial borrowers, including where lenders may consider 100% funding.
Commercial borrower pathway
Established businesses wanting to preserve cash and keep funds available for payroll, stock or project expenses.
No-deposit ute finance is achievable for many ABN borrowers with strong credit conduct, clear business use and suitable asset profile.
Start with the Ute Finance Australia guide for the full comparison of structures, eligibility and vehicle pathways, then assess whether a no-deposit request fits the transaction.
Use scenario defaults, then adjust purchase price, deposit, balloon, term, repayment frequency and new/used assumptions to fit your business cash flow.
Typical price: $57,000 | Term: 3-7 yrs | Indicative rates: From 6.09%
Borrowers can apply as sole traders, companies, trusts or partnerships. Approval outcomes vary by ABN history, credit profile, asset age and supporting evidence quality.
| Structure | Where it often fits | Scenario notes |
|---|---|---|
| Chattel Mortgage | Ownership-led buyers | Often preferred by GST-registered businesses wanting ownership from settlement. |
| Finance Lease | Cash-flow-led businesses | Useful where lease treatment and planned replacement cycle matter more than immediate ownership. |
| Operating Lease | Usage-focused fleets | Can suit businesses focused on operational use and turnover flexibility. |
| Refinance | Existing borrowers | Used to lower pressure, extend term or reset structure as business circumstances change. |
ABN borrower establishing service capacity and requiring fast settlement from dealer stock.
Private or dealer sale where valuation and policy fit are checked before final approval.
Canopy, toolboxes, tow setups and fit-out bundled into a single funded solution where eligible.