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Fleet Financing

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If you need more horsepower for new clients or want to enhance transport efficiency, fleet financing is the best way to get more vehicles on your business’ books.

At Loans Unlimited, we take the stress and headaches out of truck and car loans to help WA businesses secure funding for multiple vehicles. Provide us with a few details about your business and the fleet you’re after, and we’ll find a lender to make it happen!

Loans Unlimited were voted best commercial brokerage 2026 by Fintelligence – you can trust we will get your fleet finance sorted.

What is Fleet Financing?

Fleet financing allows you to secure funds to purchase several vehicles for business use. That could be just a few delivery vans or a large number of prime movers.

This type of financing is what keeps WA transport operators on the road. If your business relies on a fleet for daily operations and cash flow, it’s certainly worth a look.

How It Differs From Standard Truck and Commercial Vehicle Loans

This isn’t just a bigger version of a commercial car loan, it’s built around how your business actually operates.

Instead of applying for a separate loan every time you need a new vehicle, you lodge one application covering the whole fleet, with unified repayments, consolidated paperwork, and potential tax benefits. We handle the GST, acquisition planning, and bulk discounts as part of the one process.

Not sure whether to buy or lease your fleet? Our crew can walk you through the pros and cons of each and match you with lenders who work with commercial operators, whether you’re financing two vehicles or twenty, financing trucks, cars or anything in between.

What Types of Vehicles Qualify for Fleet Financing?

A “fleet” doesn’t have to mean a row of identical hatchbacks. At Loans Unlimited, we help WA businesses finance trucks, prime movers and other vehicles tailored to their industries:

Utes and dual cabs
Vans and delivery vehicles
Trucks and prime movers
Company cars
Speciality vehicles

Whatever you’re after, our crew will match you to a lender who can provide a simple, scalable loan.

\Why Commercial Fleet Loans Work

Choosing to package vehicles into one loan can provide several advantages:

Cost Management

Fleet financing means you can acquire all of the vehicles you need without a significant upfront financial burden. By spreading the cost over time, you can manage cash flow more effectively.

Flexibility

This financing model is flexible and we’ll be able to find a lender happy with the repayments, interest rates and loan terms that work for you. Just choose the option that works best for your business.

Scalability

Building utes, vans or trucks into one finance package allows you to scale up as your business grows. This makes it easier to expand operations without the financial strain of outright vehicle purchases.

Tax Advantages

In WA and throughout Australia, financing costs, depreciation and other vehicle related expenses can bring about tax benefits. Consult your accountant or a member of our crew to understand which advantages apply to your situation.

How to Get the Most Out of a Fleet Loan

Fleet financing can come in many different shapes and sizes. To find the solution that works best for your business, consider the following:

Assess Your Business Needs

Don’t overshoot. Evaluate the scope of the fleet you need and the size of the vehicles within it. Think about current and future business demands to determine what’s actually necessary.

Compare Financing Options

Speak with our crew to learn about the different options offered by each lender. Compare interest rates, loan terms and deposit minimums to find the most effective solution for your business.

Consider Vehicle Types

Lenders offer different deals depending on the vehicles in your fleet. Some offer better terms for environmentally friendly options, while others specialise in a particular type of vehicle. Loans Unlimited can match you to a lender who understands what you’re looking for.

Understand the Terms and Conditions

Once your application is approved, read all the Ts & Cs as many times as you can. Pay special attention to interest rates, repayment schedules and any early repayment penalties to make sure the deal lines up with what your business can afford

Applying for Commercial Fleet Financing with Loans Unlimited

Although the process is still simple, applying for packaged vehicle finance isn’t the same as a regular loan. Click Enquire now or give us a call to discuss.

1. Prepare Documentation

Gather necessary documents like bank statements, vehicle quotes and proof of business operations.

2. Develop and Submit Your Application

Our crew will look at your documentation and help you create a lender-friendly application. Don’t worry, we’ll do most of the heavy lifting!

3. Review Approval Conditions

Our crew will match you with one of 40+ commercial truck lenders and negotiate the best terms possible. Once approved, review the Ts & Cs and make sure they meet the needs of your business.

4. Finalise Agreement

Sign on the dotted line and get your drivers out on the road!

Apply Now and Get Approved for Fleet Financing Today

Whether you’re ready to finance a dozen trucks or two delivery vans, Loans Unlimited are here to help you through every step of the application process. With our support, businesses across WA have secured fast and flexible transport finance.

FAQs

Can I refinance an existing fleet with Loans Unlimited?

Yes. Refinancing under a better rate or structure can simplify your repayments and free up cash flow, especially if your business circumstances have changed since you first built the fleet.

Do all of the vehicles need to be the same make or model?

Not at all. You can finance a mix of trucks, vans, cars, and other vehicles under the one loan, structured to match how your business actually operates.

Is it available for sole traders or small ABN holders?

Yes. Fleet financing isn’t just for large companies, plenty of WA small businesses finance two or more vehicles to boost efficiency, and we help with both traditional and low doc options.

Can I include vehicle technology or upgrades in truck or heavy vehicle finance?

Often, yes. Things like toolboxes, signage, and GPS systems can usually be rolled into the total loan amount depending on how it’s structured. Let us know what you need and we’ll build it into the application.