Business Vehicle & Equipment Finance

The smart road to a second chance. Apply for a vehicle or equipment finance.

Personal Loan

Don’t be held back by a bad credit history.
Apply for a business loan with Finance One Commercial.

We love nothing more than to help Australian businesses get back up onto their feet. Times are tough, but together, we’re tougher. Finance One Commercial understands the challenges business owners face on a day to day basis. We’re here to help offer you a second chance. If you’re in need of some cash for a business vehicle or equipment, we may be able to help you out.

We realise that money can be tight in business and so we offer business loans with zero judgement even if you have a bad credit history. Your credit history can stay in the past – we focus on your future by taking a personalised approach to lending. If you’re looking for a loan for equipment, a commercial vehicle and everything in between, we’ve got you covered.  

Personal Loan Range

Loans from $8,000 to $125,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 48 hours *

What can I use Business Vehicle & Equipment Finance for?

Finance One Commercial understands that financial situations can be complicated. We take a flexible approach when assessing your application and can provide solutions even if you have been discharged from bankruptcy for at least 12 months, have poor or bad credit history, or have defaults on your credit file. We have helped thousands of everyday Australians in similar situations.

  • Company car
  • Ute
  • Truck
  • Tractor
  • Earth moving equipment
  • Forklift 
  • Commercial use lawn mower
  • Trailer 
  • Food truck 

Do I qualify for a
Finance One Commercial Business Loan?


Have you been receiving regular income under your ABN for 6 months plus?

Step 2


Do you want to borrow between $8,000 to $125,000? **


Are you at least 21 years of age or older?

Step 2

Credit History.

Sole traders – defaults on your credit file or discharged from bankruptcy?

Apply for Business Vehicle & Equipment Finance.

To apply for a business loan, you will need your ABN/ACN, driver’s licence details, basic details about your business (operating years, structure, and turnover) and business account statements.

Let us answer your questions.

What is a business loan?

A business loan is a loan for a vehicle or funds that will be used wholly or predominantly for business purposes.

Can I apply for a business loan from Finance One Commercial if I have a bad credit history?

Yes! Finance One Commercial can consider applicants whose credit history includes defaults, previous bankruptcies, insolvencies or Part IX Debt Agreements.

How long do I need to have my ABN before I can apply for a business loan?

Finance One Commercial can consider applicants who have had an ABN for 6 months or more and who are earning consistent income.

Do I need to be registered for GST?

While you do not need to be registered for GST to apply for a business loan with Finance One Commercial, some loan products are only available to GST-registered applicants.

How long could it take for my loan application to be processed?

If you have provided all the information required, we can get back to you within 48 hours*.

What documents do I need to provide when I apply?

At a minimum, Finance One Commercial requires:

  • A completed application form;
  • A signed Privacy Consent form;
  • Identification documents; and
  • The most recent six months of bank account statements of the business, submitted via the secure link we provide to you.
What could my interest rate be?

Our interest rates can vary depending on your business’ overall credit profile. This includes, but is not limited to, your business’ credit history, turnover, banking conduct, and the stability of its income and residency.