Rent-to-own utes, vans and equipment for Australian businesses. It’s a rental agreement — no interest, 100% tax deductible — and every payment builds a rebate toward owning the asset outright.
No obligation. No credit check. We call you back.
It’s a rental agreement, not a loan. There’s no interest charge — you pay a fixed monthly rental, in advance, for the agreed term.
Rental payments are an operating expense, fully deductible to the extent of business use — just like dry hire. Simpler than depreciation schedules.
Because it’s a rental rather than a financed purchase, RTO typically sits off your balance sheet. Preserves your borrowing capacity for everything else.
Every rental payment accrues toward a rebate off the purchase price. The longer you rent, the lower the cost to buy it outright.
Pick the ute, van, truck or piece of equipment you want from a dealer, auction or private sale. We can also source it through our supplier network if you’d prefer.
They buy the asset outright and lease it to you under a 12-month rental agreement. You take delivery and put it straight to work.
Rentals are paid in advance for the agreed term. No interest, no balloon payment, no surprises. Just predictable monthly numbers you can plan around.
A portion of each rental accrues as a rebate against the purchase price. If you choose to buy, that rebate comes straight off what you’d pay.
Keep renting, re-contract at a discount, purchase using your rebate, or hand it back. Four options — your call.
Roll onto monthly rent. The purchase price keeps dropping every month you keep paying. Total flexibility, no commitment.
Sign a new 12-month rental at a reduced rate. The purchase price keeps reducing too. Best mix of certainty and lower cost.
Buy the asset and apply your accrued rental rebate to the purchase price. You can do this any time during the term, not just at month 12.
Hand the asset back. No further rental obligation. Useful if the project ended, the business pivoted, or the asset wasn’t quite right.
Single & dual cab utes, work vans (small to large wheelbase), light trucks, service bodies, trailers and canopies.
Excavators, loaders, skid steers, dozers, tippers, dump trucks, graders, rollers and compactors for civil contractors.
Tractors, harvesters, headers, balers, spreaders, sprayers and farm utes — with seasonal payment options available.
Prime movers, rigid trucks, flatbed and tipper trailers, refrigerated transport, bulk haul and specialised gear.
“Just went out on my own three months ago. I’ve got work lined up but no ute to do it in.”
“I had a rough 2023. Cleared it all up but every bank slams the door the moment they pull my credit.”
“Project starts in a fortnight and I’m still waiting on the bank. I need someone who can actually move.”
“If I sink $200k into one excavator I can’t quote on the next job. The rental keeps the cash where I need it.”
Check your eligibility — takes 60 seconds, costs nothing, and there’s zero obligation.
Check Eligibility Now →Three banks had already knocked me back. They explained how rent-to-own worked — no interest, 100% deductible — and had me in a HiLux within a week.
Brand new ABN, no chance of traditional finance. They walked me through the rebate-toward-purchase mechanism and I had the van the next week.
Needed an excavator on site fast. Approval came back the same day, equipment was mobilised within the week. Off-balance-sheet meant I could still get my line of credit through my bank.