Vehicle & Equipment Finance and Insurance Premium Funding
Our Finance Solutions Include:
- Full-Doc, Low-Doc & No-Doc Finance Options
- Vehicle Loans (new & used) – Cars, utes, vans, trucks, trailers
- Equipment Finance – Plant & machinery, IT hardware, medical/dental, tools
- Chattel Mortgages, Leases & Hire Purchase Agreements
- Sale & Buy-Back (Equipment Reimbursement) Funding
- Insurance Premium Funding – Spread your annual insurance cost over 12 months
Why Black Book Finance?
✅ Access to specialist asset finance lenders across Australia
✅ Flexible options for self-employed borrowers, including those with minimal paperwork
✅ Fast approvals – often within 24-48 hours
✅ Sale & buy-back structures to release working capital from paid assets
✅ End-to-end support with documentation and settlements
We understand that keeping your business equipped and insured is essential – and funding shouldn’t slow you down.
🔹 General Asset Finance FAQs
What is equipment finance and how does it work?
Equipment finance allows you to purchase or lease vehicles, machinery, tools, or office equipment while spreading the cost over time. The asset often acts as security, making it a cash flow-friendly solution for growing businesses.
Can I get equipment finance if I’m self-employed or a sole trader?
Yes – we specialise in helping self-employed clients and sole traders secure finance using low-doc options, BAS statements, or bank records — even without full financials.
What types of equipment can I finance?
We finance a wide range of assets including:
- Utes, trucks, trailers & commercial vehicles
- Excavators, loaders, and construction equipment
- Office IT, medical and dental equipment
- Shop fit-outs and business machinery
If it generates income or supports your operations, there’s a good chance we can fund it.
Do you finance used equipment or second-hand vehicles?
Yes – many lenders accept used equipment, depending on the asset’s age, condition, and resale value. We’ll match your needs to a lender with the right policy.
How quickly can I get approved for vehicle or equipment finance?
Approvals can be as fast as 24–48 hours for standard low-doc applications. More complex deals may take 3–5 business days.
🔹 Vehicle Finance for Business & Development
Can I get a vehicle loan through my business?
Absolutely. You can finance cars, utes, or commercial vehicles through your business to take advantage of tax deductions and keep personal and business finances separate.
Do you help property developers finance trucks or machinery?
Yes – we regularly assist builders, tradies, and developers with finance for:
- Excavators, skid steers, earthmoving equipment
- Service utes, dump trucks and trailers
- Generators, cranes, and site machinery
Is a balloon or residual payment available on asset finance?
Yes – many equipment loans allow a residual or balloon payment at the end to reduce your monthly repayments and improve cash flow.
Can I finance multiple vehicles or pieces of equipment under one facility?
Yes – we can structure a master limit or multiple drawdown facility to streamline approvals and funding as you grow.
🔹 Insurance Premium Funding FAQs
What is insurance premium funding?
Insurance premium funding lets you pay large annual insurance premiums (e.g. public liability, PI, business insurance) in monthly instalments, improving cash flow.
Can builders and developers use insurance premium funding?
Yes – we work with many construction and property development clients who use funding to cover premiums for:
- Construction works insurance
- Builder’s warranty
- Professional indemnity
- Public liability and tools cover
How long can I spread out the payments?
Most policies can be funded over 6 to 12 months, with fixed monthly repayments and no impact on your main bank facilities.
Does insurance premium funding affect my credit file?
No – it is considered a commercial arrangement, and typically does not appear on your credit file unless there’s a default.
Do I need to provide security for insurance premium funding?
Usually not. These loans are unsecured, with the insurance policy itself acting as the collateral.
🔹 Self-Employed & Low-Doc Funding Options
Can I get vehicle or equipment finance without tax returns?
Yes – we offer low-doc and no-doc finance options using BAS, bank statements, or accountant declarations.
I’ve only been trading for 6–12 months — can I still qualify?
Possibly. Some lenders accept new ABNs with strong turnover, especially if you're financing essential business assets.
Can I apply with bad credit or past defaults?
We work with specialist lenders who consider cash flow and asset value, not just credit score. Solutions are often available with higher deposits or shorter terms.
Let’s Keep Your Business Moving
Whether you're financing a new work ute, excavator, fit-out, or spreading your annual insurance costs, Black Book Finance is here to help you access smart, fast and flexible funding.