Tax-effective vehicle leases for sole traders and small business owners. Keep your working capital free, claim what you’re entitled to, and upgrade when the business grows.
No obligation. No credit check. We call you back.
You lease the vehicle from the lender with a residual (balloon) due at the end. At term end, you typically pay out the residual and take ownership.
A long-term rental with predictable costs. At term end, you hand the vehicle back and upgrade into a new lease. The lessor wears resale risk.
Not technically a lease, but compared alongside them. You own the vehicle from day one and the lender holds security over it until paid off.
This is one of the most-searched questions in Australia and the straight answer is: strictly speaking, no. A novated lease is a three-way agreement between an employee, their employer, and a finance company — and as a sole trader, you don’t have an “employer” in that sense.
But — and this is the important part — you can access very similar tax benefits through a finance lease, operating lease or chattel mortgage structured through your ABN. You get the deductions, you get the GST treatment, and in many cases the end result is financially comparable. We’ll walk you through which one actually fits your situation.
“My accountant said a lease might suit me but I just want someone to explain the options in English.”
“If I tie up $70k in a work vehicle, I can’t quote on the bigger jobs. The lease keeps the cash where it needs to be.”
“He just told me to ‘sort out the finance’ for the new HiLux. I need it explained properly so I can present the options.”
“I want the whole fleet on the same upgrade cycle. Every three years, fresh vehicles, no resale headaches.”
A real broker calls you back. We ask about your business, the vehicle and what matters to you. Not a chatbot, not a call centre.
We show you finance lease vs operating lease vs chattel mortgage with real numbers on your situation. No jargon, no surprises.
Submit the application with standard business docs. We chase the lender so you don’t have to.
Sign the lease, collect the vehicle, start claiming the business use immediately. You’re earning.
Cash in a ute is cash that can’t go into jobs, stock and wages. Check your eligibility — takes 60 seconds, costs nothing.
Check Eligibility Now →I kept getting told sole traders can’t get novated leases. They explained what I could actually do — a finance lease through my ABN — and the tax outcome is honestly not much different.
Had the new Ranger approved in two days. Best part was they laid the numbers out three different ways so I could see which option made sense for us.
I was about to drop $55k cash on a van. The broker walked me through why leasing kept the cash free for the business. Saved us on a contract two months later.