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Every week without the right asset is income you can’t earn and momentum you’re losing to operators who are already equipped.

New Business Specialist

Asset Finance for New Businesses & Startups

Just started your business? Need a vehicle or equipment to earn? We specialise in finding lenders who back new operators — even with limited trading history. Your experience counts, not just your ABN age.

70+ lenderson our panel
Australian teamnot a call centre
Brokers available now

Get Your Quote in 60 Seconds

No obligation. No credit check. We call you back.

70+
Lenders on our panel
Everything a New Business Needs to Start Earning
Vehicles, equipment, and fitouts for businesses in their first 24 months. The asset earns — that’s what lenders care about.

Work Vehicles

Utes, vans, trucks, and cars. Whether you need a tradie ute or a delivery van to start earning from day one.

Construction & Earthmoving

Excavators, loaders, tippers, and plant. For new operators entering civil, earthworks, or building.

Tools & Equipment

Workshop machinery, medical fitouts, hospitality equipment, and specialist gear to launch your operation.

Fleet & Multi-Asset

Starting with more than one asset? Some lenders consider multi-asset deals for new businesses with a strong plan.

No Matter How New Your ABN Is
We hear the same stories every week. See if yours sounds familiar.

0–6 Months ABN

  • Brand new ABN holders
  • Industry experience counts heavily
  • Deposit and clean credit help significantly

“I’ve been plumbing for 12 years and just went out on my own. The bank said no because my ABN is 4 months old.”

6–12 Months ABN

  • More lender options open up
  • Bank statements show income pattern
  • Low-doc options may be available

“I’ve been trading 9 months and the business is going well. I need a second vehicle for an apprentice I want to hire.”

12–24 Months ABN

  • Most lenders will consider you
  • Full doc and low-doc options
  • Stronger negotiating position

“Hit 18 months in business and I’m ready to scale. Need an excavator and a ute to take bigger civil jobs.”

Experienced Operators

  • Left employment to go out on your own?
  • Your industry experience is valuable
  • Lenders back operators, not just ABN age

“15 years driving trucks for someone else. My own ABN is 2 months old but I know this industry inside out.”

From First Call to Keys in Hand
No surprises. No bank runaround. Here’s exactly what happens after you hit “Get My Quote.”
1

You Tell Us What You Need

Fill in the 60-second form or call us. Just the basics: what vehicle, roughly how much, and your contact details.

60 seconds
2

A Real Broker Calls You Back

An Australian-based specialist calls to understand your situation. Not a chatbot. Not a call centre. A broker who knows plumbing businesses.

Within business hours
3

We Match You to the Best Lender

We search across our lender panel to find the option that fits your profile, budget, and timeline. You send docs — we do the legwork.

4

Approved. Settled. On the Road.

You get approval, sign the paperwork, and drive your new ute or van to your next job. That’s it. You’re earning.

Ready to Get Started?

Check your eligibility — takes 60 seconds, costs nothing, and there’s zero obligation.

Check Eligibility Now →
No credit check No obligation No fees to you
New Businesses Who Got Sorted
Don’t take our word for it. Here’s what happened when these businesses came to us.
Had my ABN for 4 months after 15 years as an employee sparky. The bank said no. They found a lender who looked at my experience, not just my ABN age. Got my van in 6 days.
G
Grant J.
New Electrical Business, Brisbane
Approved with 4-month ABN
Started a landscaping business and needed a ute and a mini excavator. They got both approved with a 20% deposit. I was earning within two weeks of applying.
N
Nathan C.
New Landscaping Business, Gold Coast
2 assets, earning in 2 weeks
My accountant told me to talk to a broker instead of the bank. Best advice I got. Approved for a delivery van with only 6 months trading. Fair rate too.
P
Pete V.
New Delivery Business, Sydney
Low-doc approval
Frequently Asked Questions
Yes, though options are more limited. Key factors include industry experience, deposit, personal credit, and the asset. Some specialist lenders specifically work with very new businesses.
Bank knockbacks are common for new businesses. Banks have rigid ABN-age criteria. Specialist lenders assess your full picture: experience, deposit, credit, and the asset.
Absolutely. If you’ve worked 10 years as a plumber and just started your own business, that experience is highly valuable to lenders.
Typically 10–20%, but it varies. A larger deposit significantly improves your approval chances and rate.
Often yes — new businesses typically pay a small premium. As your business matures, refinancing to a better rate becomes an option.