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Fleet Finance for Business

Looking for flexible, tax-effective fleet finance? Let us save you time, money and hassle!

FLOW Financial Services

Your business runs on its vehicles and we've got the finance to keep them moving

Whether it’s two utes or twenty vans, a business fleet is one of the biggest capital commitments a company makes. Every vehicle you pay for outright is cash pulled away from stock, staff, marketing and the day-to-day running of the business. That’s the real cost of buying a fleet with your own money.

Fleet finance solves that problem. You get the vehicles the business needs now, spread the cost over a term that suits your cash flow, and keep your working capital where it earns its keep. Because it’s commercial lending, tax-effective structures are on the table too, from claiming GST upfront to deducting interest and depreciation.

FLOW Financial Services arranges fleet finance for businesses of every size and stage. Utes, vans and light commercials, company cars and executive vehicles, delivery and logistics fleets, trade vehicles for electricians, plumbers and builders, right through to refrigerated and specialised work vehicles. One extra vehicle or a full fleet upgrade, we’ll structure finance that works around your business, not the other way around.

Years Experienced
0 +
  • Premium personal service
  • 300+ 5-star google reviews
  • Loan protection packages
  • Easy Online Process
  • Market leading Interest Rates
  • Fast turnaround times
  • High Approval rates
  • Protect your credit score
  • Expert Loan Brokers
  • 40+ Trusted Lenders
  • Tailored Loan Products
  • Flexible Repayment options

Why Choose Us

Adding your first work vehicle or refreshing an entire fleet, fleet finance is one of our specialties.

Financing multiple vehicles involves more moving parts than a single car loan. Getting the structure right across several assets makes a real difference to your cash flow and your tax position.

Chattel mortgage or finance lease? Mixed fleet of cars, vans and trucks on one facility? Older second-hand vehicles, or an ABN that’s only a year or two old? These are the questions that come up most, and the answers depend on your situation.

FLOW works with a panel of more than 40 lenders, including commercial specialists who handle fleet purchases regularly, and we compare rates, terms, residuals and total cost across the life of the finance. The result is a fleet arrangement that fits your cash flow, your tax position and your growth plans.

SAVE MONEY

Our network of over 40 lenders gives us access to rates and loan structures you won’t always find going direct. Across a whole fleet, even a small rate difference multiplies. Over the life of the finance, that can add up to thousands of dollars.

SAVE TIME

We manage the finance process from first conversation to settlement, across every vehicle in the deal. Rather than juggling lenders and paperwork for each purchase yourself, you hand it to us. The applications, the documentation and the follow-up are ours to deal with while you keep the business running.

EXPERT ADVICE

We take the time to understand your situation before recommending anything. Fleet size, vehicle mix, how long you’ll keep the assets and your business’s tax position all shape the right structure, and we’ll walk you through the reasoning so the decision is an informed one.

STRESS LESS

We speak with lenders before any formal application goes in, so we only proceed with options that are genuinely likely to get approved. That protects your credit file from unnecessary enquiries and makes the whole approval process a lot calmer.
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FAQs

Our Frequently Asked Questions. If you have any further questions, please contact us.
It covers the commercial loan and lease products used to buy multiple vehicles for business purposes. That can mean utes, vans, company cars, delivery vehicles, trade vehicles or specialised work vehicles, financed together or as separate facilities. The structure can be tailored to the mix of assets and how your business accounts for them.
Any business acquiring vehicles for commercial use: sole traders, partnerships, companies and trusts. We work with small operators adding a second vehicle, established businesses upgrading their fleet, and larger companies managing ongoing vehicle turnover.
Get in touch with details of the vehicles you’re looking at and a rough figure for the total spend. We’ll ask for some basic documentation, talk through your situation and tell you what’s realistic before anything formal is submitted. From there, we guide you through each step.
Typically ABN registration, business financials or tax returns, and details of the vehicles being purchased. Lenders generally like to see around two years of trading history for standard applications. We’ll tell you exactly what your application needs before you start gathering anything.
Often, yes. While standard applications usually call for two or more years of trading history, newer businesses may qualify through low doc or alternative documentation pathways. Our brokers know which lenders are open to younger ABNs and will point your application to them.
Yes. We arrange finance across different vehicle types within the one fleet and structure each asset appropriately, so a mixed purchase doesn’t mean a messy arrangement.
We work with lenders who finance used commercial vehicles. Age and condition requirements vary from lender to lender, and we’ll tell you exactly what applies to your specific vehicles before anything is submitted.

The most common options are chattel mortgage, commercial hire purchase, equipment finance and business loans. Each treats ownership, GST, tax deductibility and repayment flexibility differently. Our brokers will explain what those differences mean in practice and recommend the structure that fits your business and your accounting setup.

The two most common are a chattel mortgage, where you own the vehicles from day one, interest and depreciation are deductible and GST on the purchase price can be claimed upfront, and a finance lease, where the finance company owns the vehicles during the term and you make regular payments, often with a residual at the end. The right choice depends on your tax position, cash flow needs and how long you plan to keep the vehicles. We’ll walk you through both.
Yes. We can structure your fleet finance to allow for additions as the business grows, so scaling up doesn’t mean starting from scratch each time.
Potentially. Depending on the structure, eligible businesses may be able to claim deductions for depreciation, interest charges and vehicle running costs. Under a chattel mortgage, a GST-registered business can generally claim the GST on the purchase price in its next BAS. Tax treatment varies with the structure and your circumstances, so confirm the specifics with your accountant.

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FLOW FS

FLOW is the finance broker businesses trust to keep their fleets on the road.

You know what vehicles the business needs. The finance shouldn't be the thing that holds them up. Talk to our specialists about a fleet arrangement built around your cash flow and tax position, with competitive rates from a panel of more than 40 lenders. We do the running around, you keep the wheels turning.

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Let’s protect your credit score and access low rates now!

Fill out the form below, and we will be in touch shortly.