For Business Owners

Vehicle & Equipment Finance

At Vita Finance, we help business owners and individuals secure the right finance to purchase vehicles and equipment, without the hassle. Whether you’re growing your business or upgrading your personal vehicle, we’ll guide you through your options and take care of the process from start to finish.

  • Vehicle and equipment finance allows you to fund the purchase of essential assets without tying up your cash flow. Instead of paying upfront, you repay the loan over time in structured repayments — allowing you to preserve capital and keep your business moving.

    We work with a wide range of lenders and private funders to help you secure finance for:

    • Cars, vans, and utes

    • Trucks and trailers

    • Yellow goods (excavators, loaders, etc.)

    • Farming and agricultural machinery

    • Office fit-outs and technology

    • Medical and dental equipment

    • Business tools and specialised gear

  • We help you find the right structure for your purchase based on your goals and tax considerations. Common finance options include:

    ✓ Chattel Mortgage

    A popular option for businesses. The asset is owned by you from day one, and you can often claim GST and depreciation.

    ✓ Hire Purchase

    You hire the equipment and gain ownership after the final repayment. Ideal for cash flow management and budgeting.

    ✓ Finance Lease

    The lender retains ownership while you lease the equipment. You may have the option to purchase the assets at the end of the lease.

    ✓ Novated Lease

    For employees who want to finance a car using pre-tax income, with payments made through salary packaging.

    Not sure which option suits you? We’ll walk you through the pros and cons and make sure the finance structure aligns with your goals.

    • Small business owners

    • Sole traders and contractors

    • Companies upgrading or expanding their fleet

    • Self-employed with complex income structures

    • Individuals needing vehicle finance with flexible documentation

    We understand that not every business fits a bank’s standard criteria — so we work with lenders who think outside the box.

Why Work With Vita Finance?

  • Access to Bank and Non-bank Lenders

  • Fast Approvals and Tailored Solutions

  • Support For New ABNs and Low-doc Applications

  • Specialised Knowledge Across Multiple Industries

  • Flexible Terms and Competitive Rates

Ready to Finance Your Next Vehicle or Asset?

Whether you're buying a truck, tractor, or Tesla, Vita Finance makes it easy to get the finance you need with expert guidance at every step. From comparing offers to structuring repayments, we’re here to save you time, money, and stress.

Book a free consultation today and let’s get your finance sorted.