Commercial, No Doc & Low Doc Loan Options

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Unlimited Choice On Commercial Finance

Are you a small business that is wanting a tax effective strategy to finance a new piece of equipment or a new vehicle, or are you an established business looking to upgrade your fleet?

No matter what size business you are or how long you have been trading our commercial loan experts understand business. We recognise the importance of finding a suitable commercial loan that protects your cash flow and keeps your business heading in the right direction.

Commercial Loan Options

Low Doc Car Finance

This is a popular commercial loan that suits businesses who are yet to have their financials completed. The Director will guarantee the loan on behalf of the business and confirms that they can meet the commitment they are entering into. You have the ability to claim the GST, depreciation & interest. This can also be commonly known as a low or No doc chattel mortgage.

Chattel Mortgage

The most commonly sought commercial car loan product. The funds are normally borrowed to purchase most types of equipment including cars, trucks, pieces of equipment and machinery. The asset is owned 100% by the borrower and the borrower has the ability to claim the GST, depreciation & interest.

Commercial Hire Purchase

Also known as an offer to hire. This is where the financier owns the asset and the hirer pays their regular instalments until the final payment is made. Once this has been completed the hirer gets ownership of the asset and clear title. Depending on your accounting method will determine how your GST and other deductions can be claimed.


Also commonly known as an operating lease. A “Rental” is a finance arrangement where the financier retains title even after the rental term has been completed. All repayments are normally 100% Tax deductable.

Novated Lease

A novated Lease is an agreement between the employee (Lessee), their employer and the finance company (Lessor). It works by creating an agreement between the lessee and the lessor generally in the way of a finance lease. The novation agreement is then entered into by all three parties involved which effectively transfers the responsibility of the payments to the employer during the lessee’s period of employment. There are a number of benefits to both the business and the employee using this method to finance a vehicle.

Line Of Credit

Sometimes also referred to as an overdraft or debt facility. This allows your business to extend terms to trading partners or purchase extra stock prior to the sale of goods. It is a useful loan product that allows your business to manage cash flows and their financial commitments if they fall outside payment terms from their customers.

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Happy Clients


I didn’t think I was eligible for a personal loan as I’ve just come off maternity leave and mine and my partners credit rating isn’t great! Neil did everything he could to try help us get the loan. With Neil’s help I was approved and had the money in a matter of days. No fuss and repayments I can afford.
I would happily recommend Neil to friends and family.
Thanks again.

Julie Pryce-Howells

It was such a great pleasure having you secure finance for my recent purchase of the 2009 Gls Pajero. Very speedy process and a hassle-free car loan with low interest rates and no fuss finance. If any of my friends are looking for a car loan, I will highly recommend you. I’m giving you a rating of 10 out of 10, it was a highly personalised service, even Brett the car dealer was very happy dealing with you as you were highly responsive and very efficient. Once again, thank you so much for your services, a great finance organiser and a great car deal.

Nestor Adesna

I got referred to Neil, from a friend, to help me finance my vehicle. I wasn’t sure what to do as the dealer had offered me a finance package as well as my bank. Neil beat them both, not only with the interest rate but with the service. Nothing was too much for him! Would recommend Neil to anyone when it comes to finance!

Anna-Maria Pilling

Unlimited Loans remain in contact with you every step of the way. Smooth to deal with and thoroughly explain all the details.

Travis Powell

my first ever car finance and it was a breeze thanks to caillan and his team that made it so much easier for me and my family

Samey Morehu

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* The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.

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