Business Vehicle & Equipment Loans
The smart road to a second chance. Apply for a vehicle or equipment 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 stays in the past – we focus on your future by taking a personalised approach to lending. If you’re looking for an equipment loan, a commercial vehicle loan and everything in between, we’ve got you covered.
Loans from $8,000 to $125,000**
Loan terms from 3 - 7 years
Approvals in as little as 48 hours *
What can I use a Business Vehicle & Equipment Loan for?
Finance One Commercial understands that financial situations can be complicated. We take a flexible approach when assessing your application and 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 loans
- Ute loans
- Truck loans
- Tractor loans
- Earth moving equipment loans
- Forklift loans
- Commercial use lawn mower loans
- Trailer loans
- Food truck loans
Do I qualify for a
Finance One Commercial Business Loan?

Apply for a Business Vehicle & Equipment Loan.
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 get a business loan from Finance One Commercial if I have a bad credit history?
Yes! Finance One Commercial will 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 will 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?
How long will it take for my loan application to be processed?
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 bankstatements.com link we provided to you.
What will my interest rate be?
Our interest rates 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 residence.
*48 hour approvals are subject to satisfactory documentation being provided to assess the application.
**$75,000 – $125,000 must be asset backed
Normal lending criteria, terms & conditions and fees & charges apply.