At Loanbrite, we understand the urgency and practicality that comes with funding commercial vehicles or equipment. Whether you’re replacing an existing loan, upgrading your fleet or acquiring new equipment for growth, you need a lender that moves at your pace without compromising on terms.

With our updated rate specials and streamlined product tiers, we’re making it easier than ever for Australian businesses to access low doc and express finance with confidence.

Express Assessment – Low Rates, Fast Turnaround

Our Express Assessment option is built for established businesses with clear credit history and strong profiles. Here’s what you need to know:

Car, Ute & Van Rates (0–5 years old): 6.59%
Truck & Equipment Rates (0–5 years old): 6.99%

Eligibility criteria:

  • ABN and GST registered for 3+ years

  • 650+ credit score, no adverse listings

  • Property ownership required (not held in a spouse’s name)

  • Asset purchased from a dealer or auction

  • No financials or bank statements required

  • Max loan size: $150,000

  • Approvals in under 1 hour

  • Same day settlements with DocuSign

Learn more about our low doc vehicle and equipment finance solutions

Replacement Loan Program – Up to $200K

Ideal for clients who are upgrading or finalising an existing loan nearing the end of its term.

Base rates:

  • Property owner: From 7.59%

  • Non-property owner: From 8.59%

Eligibility criteria:

  • Finalising or refinancing an existing facility (within 90 days or less than 6 months remaining)

  • Repayments must be within 120% of the current facility

  • 650+ credit score, no financials or statements required

  • Max loan sizes:

    • $200K (property owners)

    • $150K (residual refinances)

    • $100K (non-property owners)

  • Asset age capped at 15 years EOT

  • Same day settlements with DocuSign

Explore our commercial business vehicle finance deals

Light Doc Loans – Go Further, No Financials

For scenarios that fall outside traditional parameters such as private sales, older assets, capital raises or credit blemishes our Light Doc loan product offers more flexibility:

Loan limits:

  • Up to $350K (property owners)

  • Up to $100K (non-property owners)

Rates (base, by asset type and age):

Cars ($10K–$160K)

  • 0–2 years: 6.99%

  • 3–6 years: 7.59%

  • 7–10 years: 8.39%

  • 11–14 years: 9.29%

  • 15+ years: 10.19%

Trucks & Equipment ($10K–$350K)

  • 0–2 years: 7.29%

  • 3–6 years: 7.89%

  • 7–10 years: 8.69%

  • 11–14 years: 9.59%

  • 15+ years: 10.49%

Loan features:

  • No financials required

  • Illion bank feed (6 months) required

  • ATO portal access may be requested over $150K

  • Same day settlement turnaround

  • Flexible asset types and scenarios considered

Rate loadings may apply for:

  • Private sales, refinances, capital raises (+1%)

  • Non-property ownership (+2%)

  • ABNs under 24 months (+2%)

  • Brokerage >4% (0.5% per additional 1%)

Read our guide on purchasing business assets with finance

Fleet of commercial vehicles including trucks and vans parked outside a business depot

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Who This Is For

These finance solutions are tailored for:

  • Business owners with strong repayment conduct

  • Operators looking to upgrade, refinance or expand

  • Clients needing fast turnaround and minimal paperwork

  • Property-backed clients seeking funding without financials

  • Businesses that may not meet bank lending policies

Ready to Apply?

If you’re seeking fast, flexible funding for your next business vehicle or piece of equipment, Loanbrite can help. Our tailored loan solutions give you the clarity and speed you need without the red tape.

Get your personalised quote now

For broader guidance about business operation refer to the NHVR website.