01
Vehicle plus fit-out
Racking, drawers, canopies and signage financed with the ute or van.
Trades & Services Finance
Your ute, van and tools are how you earn. We finance them around how trade businesses actually get paid, from a single sole trader to a growing crew.
Who we work with
- Electricians
- Plumbers & gasfitters
- Carpenters & builders
- HVAC & refrigeration
- Cleaning & maintenance
- Mobile service businesses
What we finance
- Utes, dual cabs and tray backs
- Service vans and fit-outs
- Box, tipper and plant trailers
- Power tools and test equipment
- Workshop and diagnostic equipment
- Racking, shelving and signage
Chattel MortgageFinance LeaseLow Doc Finance
The challenge
Most trade businesses start with one ute and a set of tools, then grow a vehicle and an apprentice at a time. Banks often want two years of financials before they will help, which is exactly when a growing tradie needs the next vehicle.
We work with lenders who look at your licence, your work pipeline and your BAS, and who will fund the fit-out and tools along with the vehicle so it arrives ready to work.
How Arkwealth helps
02
Sole trader friendly
Lenders comfortable with sole traders, new ABNs and trade experience.
03
Low doc pathways
BAS or bank statements instead of full financials for established tradies.
04
Room to grow
Add the next vehicle for a new starter without starting from scratch.
Utes, vans & tools
Ways to structure it
The right structure matters as much as the rate
Chattel Mortgage
You own the asset from day one and the lender takes security over it. Often used by GST-registered businesses that want to claim the GST and depreciation.
Finance Lease
The lender owns the asset and you lease it for an agreed term, with a residual at the end. Repayments are generally treated as a business expense.
Low Doc Finance
For established ABN holders whose tax returns are behind or do not reflect current trading. Assessed on BAS, bank statements or an accountant's declaration.
General information only. The best structure depends on your circumstances, so check tax implications with your accountant.
From first call to delivery
- 1
Tell us what your business needs
The asset, the business and the timing. A short call or form is all it takes to start.
- 2
Review finance options
We compare lenders and structures and explain the trade-offs in plain English.
- 3
Secure approval
We prepare and lodge the application, deal with the lender and keep you updated.
- 4
Purchase your asset and grow
The lender pays your supplier, you take delivery and the asset gets to work.
Get a quote
Tell us what you are looking to finance
There is no obligation, and an enquiry does not touch your credit file. A specialist will call you to talk through the options.
What you will typically need
- Driver's licence, trade licence and ABN
- Vehicle or equipment quote
- Recent BAS or bank statements
- Tax returns for larger or multi-vehicle deals
Questions
Trades & Services Finance: common questions
Can a sole trader get ute or van finance?
Yes. Sole traders are one of the most common applicants for vehicle and equipment finance. A clear ABN, a licence and recent BAS or bank statements usually go a long way.
Can the fit-out and tools be financed with the vehicle?
Usually, yes. Racking, canopies, drawers and signage can be included when they are on the invoice. Larger tool packages can sit under a separate equipment agreement.
I have a new ABN but years in the trade. Can I still apply?
Often. Several lenders consider trade experience alongside a new ABN. A deposit can strengthen the application while the business builds a trading history.
The Kasana group
Beyond asset finance. One trusted group supporting your business journey.
Most brokers finance the asset and walk away. Through the Kasana group, the same relationship can cover the equipment, the business and property lending behind it, and the insurance that protects it all.
Assets
Arkwealth
You are hereTrucks, vehicles, machinery and equipment finance.
- Trucks, trailers & fleets
- Construction & machinery
- Medical & hospitality equipment
Lending
Kasana Finance
Business lending and property finance.
- Business & working capital loans
- Commercial property
- Refinancing
Protection
Kasana Insurance Brokers
Protecting business assets with tailored insurance solutions.
- Commercial motor & fleet
- Plant & equipment cover
- Business insurance packages
Get Started Today
Ready to talk trades & services finance?
Speak with an Arkwealth specialist about the asset, the structure and the lenders that fit your business.