Business Loans That Work as Hard as You Do
Finance for vehicles, equipment and everyday business needs. Loans from $8,000 to $150,000**
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Apply for a Finance One business loan
Business and commercial loans
Finance One Commercial delivers practical lending solutions to help Australian businesses access the vehicles and equipment they rely on- from business vehicle finance for cars, utes, trucks and food trucks, to equipment loans for machinery, trailers, earthmoving gear, lawn mowers and workshop tools. Whether you're expanding operations, upgrading your fleet, replacing essential equipment or managing cash flow, we focus on flexible, easy-to-understand finance designed to support real-world business needs, with clear information and repayment options that make sense.
Normal lending criteria, terms & conditions, and fees & charges apply.
We offer three loan types to support different business needs.
Business Vehicle Loans
Finance One Commercial offers business vehicle loans designed to support the transport needs of Australian businesses. Whether you operate a mobile service, manage a team on the road, or rely on vehicles to deliver goods and meet customers, we provide practical finance options that help keep your operations moving. Our business vehicle finance can be used to purchase new or used vehicles that support daily tasks, improve efficiency and strengthen your ability to serve customers.
Finance for vehicles used in day-to-day operations, transport or mobile work.
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Business Car Loan
Suitable for sales teams, consultants, field service operators or any business that needs reliable transport.
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Commercial Truck Finance
Ideal for towing, delivery work, trade services and transport operators who rely on light or medium-duty trucks.
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Commercial Food Truck Loans
Designed for mobile food businesses, catering operators and hospitality ventures expanding into mobile service.
Business Equipment Finance
Finance One Commercial provides business equipment finance designed to help Australian businesses purchase, upgrade or replace the essential machinery and tools they rely on every day. Whether you’re running a trade, managing a workshop, operating in construction, maintaining properties or supporting agricultural work, the right equipment plays a key role in keeping your business efficient and productive. Our equipment finance options support a wide range of industries and can help you secure the assets you need to deliver services, complete jobs and keep your operations running smoothly.
Finance to help you purchase or upgrade essential machinery, equipment and tools.
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Commercial Lawn Mower Loans
Supports lawn care, landscaping and property maintenance businesses.
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Tractor Loans
Ideal for agricultural operations, small farms and rural businesses.
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Commercial Trailer Loans
Includes box trailers, flatbeds, enclosed trailers and work trailers for transport or trade needs.
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Earth Moving Equipment Loans
Finance for excavators, skid steers, trenchers and other earthmoving machinery for construction and civil work.
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Vehicle Equipment Loans
Suitable for utes, vans, service vehicles and workshop tools for mobile trades, workshops or service operators.
Unsecured Cash Flow Loans
Unsecured Cash Flow Loans for Australian Businesses offer a fast and flexible business finance solution for eligible borrowers without the need for property or asset security.
Designed for small to medium-sized enterprises, these business loans may be used for working capital, equipment and technology purchases, stock and inventory, business expansion, marketing costs, or managing short-term cash flow gaps, subject to lender approval.
With fixed interest rates*, flexible weekly, fortnightly, or monthly repayments, and a streamlined approval process, our unsecured business loans can provide certainty, speed where eligibility criteria are met, and support to help Australian businesses grow and operate with confidence.
*Rates, fees and charges apply and vary based on credit assessment.
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Fixed interest rates with transparent pricing*
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Flexible weekly, fortnightly, or monthly repayments
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Fast approvals for eligible Australian businesses, subject to credit assessment
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No property or asset security required
Commercial Advantage Loans
Finance One offers our Commercial Advantage Loan for businesses that need flexibility beyond vehicles and equipment. This option is designed to support a wide range of general business needs, from maintaining steady cash flow to funding upgrades, covering operational expenses or taking advantage of new opportunities. It’s a practical solution for businesses that need room to move and the ability to direct funds where they will have the most impact.
A Commercial Advantage Loan can help you manage day-to-day running costs, invest in growth, support seasonal fluctuations or make improvements that keep your business competitive. With clear information and flexible repayment options, it’s a straightforward way to stay in control of your business finances.
Who can apply for a Finance One business or commercial loan
We work with many Australian businesses across different industries and circumstances. Our team takes the time to understand your business activities, income and goals so we can assess your application properly and provide clear information about your options.
We may consider applicants who have:
✔ an active ABN
✔ consistent business income
✔ a variety of business structures and backgrounds
If you're unsure whether your situation fits, our team can guide you through the enquiry process.
Steps to obtaining a Finance One business loan.
Step 1
Apply Online.
Complete our online form or call us on 1800 346 663 to talk to one of our friendly team.
Step 2
Get approved.
We can have an answer to you in as little as 48 hours!*
Step 3
Settle Your Loan.
Our friendly team will support you through every step.
Why Finance One? We offer tailored loans with a human touch.
Flexibility
Finance One customers can make extra repayments or increase their repayment amount at any time.^
100% Australian Owned
With offices in Townsville and Brisbane, our team is ready to assist you in finding financial success.
Support
Our dedicated support team will get to know you and provide personalised service.
Since 2010, Finance One has taken a practical and flexible approach to lending for everyday Australians.
We focus on understanding each customer’s circumstances and aim to provide finance solutions that are tailored, supportive and designed to help you
move forward with confidence. Our team takes the time to look beyond a one-size-fits-all approach, offering smart and considered options to suit your needs.
Frequently Asked Questions
How long could it take for a Business Loan application to get approved?
What is a loan for business purposes?
What documents do I need to provide when I apply?
What could my interest rate be?
How long do I need to have my ABN for before I can apply for a Loan?
Do I need to be GST registered?
Can I apply if I’ve had credit challenges in the past?
*48 hour approvals are subject to satisfactory documentation being provided to assess the application.
**Normal lending criteria, terms & conditions, and fees & charges apply.
Early payout fees may apply. Please refer to your loan terms and conditions or contact us to confirm if an early payout fee applies to your loan.
Loans are for business purposes only and are not regulated under the National Consumer Credit Protection Act 2009.