Business Finance That Keeps You Moving

Working capital, utes and vans, trucks, trailers and heavy machinery. Pick what the business needs and we'll compare it across 80+ lenders.

Takes about 3 minutes. No credit check to get a quote.

Trusted by over 80 lenders

What does the business need?

Each one has its own page with the detail. Or apply now and we'll compare the panel for you.

Cash flow

Business Loans

Fleet, fit-outs or working capital. Whatever suits the books.

Business Loans
Vehicles

Business Vehicle Finance

Commercial vehicle finance for utes, vans and company cars, structured around how your business runs.

Business Vehicle Finance
Machinery

Equipment Finance

Machinery and tools of trade, without stripping cash from the business.

Equipment Finance
Vehicles

Truck Loans

Prime movers to light commercials. See the cash flow impact first.

Truck Loans
Vehicles

Trailer Finance

Tippers, floats and box trailers. Often the quickest to get approved.

Trailer Finance
Machinery

Excavator Finance

Mini to thirty tonne diggers. We handle the fussy paperwork.

Excavator Finance
Machinery

Yellow Goods Finance

Loaders, dozers and graders, with lenders who fund earthmoving gear.

Yellow Goods Finance
Machinery

Concrete Pump Finance

Line, boom and trailer pumps, with lenders who understand them.

Concrete Pump Finance
Farm

Agricultural Finance

Tractors, headers and farm gear, with repayments that fit your seasons.

Agricultural Finance

Every kind of business finance

Business finance covers anything a business borrows for, from cash flow to a new ute or a 30 tonne excavator. The right structure depends on what you're buying and how the business runs, and it can make a real difference at tax time.

If you need cash for the business itself rather than a vehicle or machine, compare business loans here. Otherwise, here are the main ways businesses finance what they buy.

Business loan

Cash for the business itself: working capital, a fit-out, stock or a big order. Secured or unsecured, with terms to suit.

Compare business loans

Chattel mortgage

The most common way to buy a vehicle or equipment through an ABN. The business owns it from day one and the lender holds a mortgage over it. GST-registered businesses can often claim the GST upfront.

Chattel mortgage, lease or rental

Finance lease

The lender owns the asset and leases it to the business for a set term, with a residual at the end. Lease payments can usually be claimed as a business expense. Your accountant can confirm.

Equipment finance

Rental

Pay to use the gear without owning it, often with the option to upgrade. Suits equipment that dates quickly.

Equipment finance for tradies

Low doc

For self-employed borrowers whose tax returns don't tell the whole story yet. Lenders can use BAS statements, bank statements or an accountant's letter instead.

Loan application tips

A balloon payment

A lump sum left owing at the end that lowers the regular repayments. Common on vehicles and machinery, but you pay more interest over the term.

Balloon payments explained

What are you buying?

What lenders look at

  • How long the ABN has been running. And whether the business is registered for GST.
  • Business income. From tax returns, BAS statements or bank statements, depending on the lender.
  • Credit history. For the business and for the directors behind it.
  • What you're buying. New or used, what it's worth and how long it will last.
  • Any deposit or trade-in. It lowers the amount you borrow and can widen your options.

Questions people ask

Can a new business get finance?

Yes, though the options are narrower. Many lenders prefer an ABN that has been running for two years, but some will look at newer businesses, especially with a deposit or property behind you.

Chattel mortgage or lease, which is better?

It depends on how the business handles GST and tax. A chattel mortgage suits most businesses that want to own the asset. Your broker lines the options up and your accountant can confirm the tax side. Chattel mortgage, lease or rental

Can I finance used gear or buy at auction?

Yes. Most lenders fund used gear from dealers, private sellers and auctions, though age limits vary from lender to lender. Buying used machinery

Will comparing hurt my credit score?

No. Comparing here doesn't touch your credit file. A hard credit check only happens once your deal has been vetted with a lender and you're going ahead.

How fast can I get approved?

Approvals can come through in as little as 10 minutes, and most land within 24 hours once your broker has everything they need.

General information only, not financial advice. Your broker will talk you through what suits your situation.

We love helping our customers & they love us

Worth a read before you apply

Straight answers, written the way we'd explain it on the phone.

Our track record, in numbers

Real approvals, real settlements, and a panel of over 80 lenders behind them.

98%

Approval rate

$68m

Funded loans

12,000+

Aussies compared

Why choose us

One quick application, no impact to your credit score, and a broker who tells you straight when a deal does not stack up.

Trusted by over 1,500 Aussie borrowers across the country

Why Choose Us

Plan With Confidence

Step 1: fill in the application form

Enter Your Details

Tell us the loan amount, term, and rate you’re considering. It only takes a minute.

Free to use. No signup required.

Price, deposit, term and rate.

Tap your credit score to fill the rate.

Step 2: we compare the panel and get in touch

See Instant Estimates

Get an instant breakdown of repayments, interest, and total cost with no obligation.

Weekly, fortnightly or monthly repayments.

Total interest shown up front.

Updated with current market rates.

Step 3: approved and ready to start looking

Compare Scenarios

Adjust the numbers to compare different loan terms and rates side-by-side.

Add a balloon to lower the repayment.

Over 80 lenders compared in one place.

Change any number and it updates.

Step 4: done and funded

Apply When You're Ready

Once you’ve found the right numbers, apply directly with your chosen lender.

One quick application, the whole lender panel.

Takes about 3 minutes to apply.

No credit check to get a quote.

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Get in touch with our team

Tell us what you're after and we'll come back with real options from lenders that actually fit. No obligation, no pressure.

Contact Information
Call us

1300 267 273

Email us

hello@comparecity.com.au

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Proudly Australian owned

Proudly Australian owned, helping Aussies compare and get the best deal on their finances

Australian owned and based right here in Sydney. We're not a franchise, we're not a call centre, and we're not owned by a bank.

First car, family home, or the ute that keeps the business moving. We're proud to help Aussies sort their finances without the runaround.

Australian owned and operated

One quick application, the whole lender panel

Personal and business finance in one place