Business Vehicle Finance FAQs
Q: Why should I choose TYG Finance for business vehicle finance?
When you’re running a business, time is money – and we respect both. At TYG Finance, we specialise in helping
asset-backed, time-poor ABN holders secure smart, flexible finance without the delays and red tape that come with traditional lenders. With access to
over 80 lenders, we tailor each solution to your cashflow, tax strategy, and growth plans – not a one-size-fits-all product.
Whether you’re financing a single business vehicle or a 10-vehicle fleet, our brokers deliver:
- Pre-approval within 24–48 hours
- 100% finance options for eligible applicants
- End-to-end support – from quote to settlement
Unlike banks, we don’t require stacks of documents or weeks of processing.
Unlike dealers, we act in
your best interests – not to push stock or grow profit margins. You’ll have one point of contact from start to finish who knows your industry, speaks your language, and actually gets things done.
Q: What types of business vehicles can I finance through TYG?
We finance all standard and specialised vehicles used across industries like construction, logistics, and trade. This includes:
- Utes, SUVs, vans, sedans, and wagons
- Light trucks and dual-cab 4WDs
- Commercial vehicles used for sales, site work, or transport
Name it, we can finance it. Whether you’re replacing a director’s car, upgrading a sales team’s fleet, or putting another ute on the road for one of the crew, we’ll tailor finance that fits your operation –
new or used, dealer or private sale.
Q: Can I finance multiple vehicles at once?
Yes. If you’re expanding your team or replacing part of your fleet, we can arrange
multi-vehicle deals under a single approval. It simplifies repayment, cuts admin, and supports scalable growth. We can even stagger settlements for vehicles arriving at different times.
Q: How do I apply for business vehicle finance?
Start by requesting a
free quote or calling us directly on
1300 894 894. One of our senior brokers will take five minutes to understand your business and match you with a lender from our panel of over
80+ funders.
Once you’re happy with the structure:
- We’ll submit your application
- Get you pre-approval within 24–48 hours
- Coordinate settlement directly with the supplier or seller
You focus on running your business – we handle the rest.
Q: What documents do I need for approval?
For most low-doc clients, we can get started with:
- 3–6 months of business bank statements, or
- Recent BAS returns, or
- Loan history on similar assets
If you’re an
asset-backed ABN holder with clean conduct, we’ll keep the paperwork lean.
Q: Can I get approved without providing full financials?
Yes. Our
low-doc finance options are designed for ABN holders who don’t have updated tax returns on hand. We can get approval based on trading history, bank statements, or your asset profile.
Q: Do I need a deposit?
In most cases, no. We work with lenders that offer
100% finance, provided the asset value stacks up and your business has a strong profile. You won’t always need to contribute upfront, especially if you’re financing a vehicle that holds its value and you’ve got a clean asset position. If a deposit helps with interest rates or approval, we’ll be upfront and help structure it smartly.
Q: What’s a balloon payment and should I consider one?
A
balloon payment is a lump sum due at the end of your loan. It reduces your ongoing repayments and improves short-term cashflow. Many of our business clients use balloon structures to:
- Preserve capital
- Align repayments with seasonal income
- Trade or upgrade before the final payment
We’ll help you model the impact and decide if it suits your cashflow strategy.
Q: What loan terms are available?
Business vehicle loans typically range from
2 to 7 years. We’ll structure your loan to match depreciation, usage patterns, and your preferred monthly repayment. We’ll help you strike the right balance between keeping repayments manageable and not stretching your loan longer than needed.
Shorter terms mean less interest overall;
longer terms mean leaner monthly commitments.
Q: Can I finance a vehicle from a private seller?
Definitely. Whether you’re buying through a mate, an auction, or Gumtree – we’ll:
- Check the PPSR to make sure there’s no finance owing
- Verify the VIN, engine number and rego
- Help arrange a third-party inspection if needed
- Pay the seller securely and directly
Private sales can offer better value – we’ll make sure it’s just as safe as a dealer deal.
Q: Why not just go through my bank?
Banks often take weeks, require full financials, and offer a narrow range of products. With TYG, you get:
- Faster turnarounds
- More flexible loan structures
- Access to 80+ lenders, not just one
Plus, we work for you – not the bank – so we negotiate on your behalf to get better terms and support.
Q: Do you only finance vehicles from dealers?
No – we finance purchases from
dealers, wholesalers, private sellers, auctions, and even international imports. We’re here to help you get the asset you need from wherever you’ve sourced it.
Q: What if I already have a quote – can you beat it?
Almost always. Many dealer finance offers are marked up or padded with backend fees. If you’ve received a quote,
send it through – we’ll review it honestly and, in most cases,
secure you a sharper rate, better structure, or fewer restrictions.
Q: What’s the difference between dealership finance and using TYG?
Dealer finance is about what’s easy for the seller – not what’s best for you. At TYG:
- You get access to 80+ specialist lenders, not just one
- We structure your loan based on your cashflow, not their margins
- We deal with the admin, negotiation, and paperwork
Plus, if you’re buying a used vehicle or bundling multiple cars – we’ll set up a structure no dealership can match.
Q: Can I include extras in the loan – like insurance, rego, or accessories?
Yes. We can bundle in:
- Comprehensive insurance
- Stamp duty and rego
- Fit-outs, trays, toolboxes, or signage
This keeps your upfront costs low and helps get your vehicle straight to work.
Q: Can I make extra repayments or pay the loan out early?
Most lenders allow
extra repayments and
early payout, but the fees vary. If you want flexibility, we’ll match you with lenders who won’t penalise you for managing your loan on your terms.
Q: What interest rates should I expect on a business vehicle loan?
Rates vary depending on:
- The vehicle (new vs used)
- Your business history and asset position
- Whether you’re using a balloon
We deal with lenders who offer
preferential rates for asset-backed ABN holders. We’ll compare the market and lock in the best deal available for your profile.
Q: Can you help me arrange business-use vehicle insurance?
Yes. We partner with providers who offer
commercial motor insurance tailored to business-use vehicles. We can arrange quotes and include the premium in your loan if needed.
Q: What if I want to upgrade before the loan ends?
No problem. We can help you trade in your vehicle, refinance the residual, or pay out the balance. We’ll walk you through the options and help you time the upgrade to suit your tax and cashflow planning.
Q: Why should I choose TYG Finance for luxury car finance?
Financing a prestige vehicle isn’t like financing a standard car – and we don’t treat it that way. At TYG Finance, we work with asset-backed, time-poor professionals and directors who need access to tailored, flexible lending without the friction of banks or generic lenders.
With access to
over 80 funders, including prestige-specific lenders, we deliver:
- Pre-approval within 24–48 hours
- 100% finance for eligible clients
- Structured balloon options that align with resale and tax cycles
Whether it’s a daily driver, a prestige upgrade, or an executive fleet addition – we handle the details while you stay focused on what matters.
Q: What types of luxury vehicles can I finance?
We finance a wide range of prestige brands, including:
- BMW, Audi, Mercedes-Benz, Tesla, Porsche, Jaguar, Maserati, Bentley, and Range Rover
- Sports sedans, convertibles, hybrids, EVs, and high-end 4WDs
Whether brand new, used, or boutique import – we’ll structure the finance to suit the car and your lifestyle.
Q: Can I finance a luxury vehicle for personal use?
Yes – but currently
only available to existing TYG clients. Whether you’re a business director buying privately or a long-time customer financing your next prestige vehicle, we’ll help you structure it to suit personal use without compromising flexibility or service.
Q: How do I apply for luxury car finance?
Start by requesting a
free quote or calling us on
1300 894 894. We’ll:
- Understand your goals and the vehicle you’re buying
- Match you with a lender suited to your profile and the vehicle
Once you’re happy with the terms, we’ll secure
pre-approval within 24–48 hours and manage the settlement with the dealer or seller directly.
Q: What documents do I need to get started?
In most cases, we can get you approved with:
- 2 recent payslips (PAYG), or
- BAS or bank statements (self-employed)
- Details of the vehicle
We’ll always structure the application to minimise friction – especially if you’re time-poor.
Q: What is Low Doc Car Finance?
Low-doc car finance is for asset-backed clients who don’t have up-to-date tax returns on hand. We work with lenders who accept:
- Bank statements
- BAS summaries
- Loan history or asset ownership
It’s ideal if you’re buying privately or need to act fast without waiting on your accountant.
Q: Do I need to inspect the vehicle before I buy it?
We always recommend a
pre-purchase inspection, especially for used or privately sold prestige vehicles. For private sales, we can organise a third-party inspection to give you peace of mind before release of funds.
Q: Can I finance a car from a private seller?
Yes – whether you’re buying from a boutique dealer, private seller, or at auction. We’ll handle:
- PPSR checks
- VIN and spec verification
- Payment direct to seller
- Optional third-party inspections
Private sales often offer better value – we’ll make sure it’s safe, clean, and protected.
Q: Do I need a deposit?
Not always. We can often arrange
100% finance for eligible applicants. If you’re financing a prestige vehicle with strong residual value, many lenders are comfortable funding the entire purchase.
Q: What kind of loan terms are available?
Most luxury vehicle loans range from
3 to 7 years. We’ll help you structure a term that matches your lifestyle, exit strategy, and whether or not you want a balloon repayment.
Q: What’s a balloon payment and should I use one?
A
balloon payment is a lump sum due at the end of the loan. It lowers your regular repayments and gives you the flexibility to:
- Trade the vehicle
- Refinance the residual
- Pay it out when convenient
It’s a common option with prestige vehicles that have predictable resale cycles. We’ll model a few scenarios so you can decide.
Q: What interest rates can I expect?
Rates depend on:
- The vehicle (make, model, age)
- Whether it’s personal or business use
- Your credit profile and whether the loan is secured
We deal with lenders offering
preferential rates for luxury and executive vehicles, and we’ll compare offers to secure you the best value.
Q: Why not just use dealer finance? Isn’t it faster?
Dealer finance is often convenient – but not always competitive. It’s structured for their margin, not your financial wellbeing. With TYG, you get:
- Access to luxury-specific lenders
- More competitive pricing
- Flexible structuring (balloon, deposit, term)
- Independent advice – we work for you, not the dealership
Q: I’ve already received a quote – can you beat it?
Very likely. We often outperform dealer quotes by a few thousand dollars over the life of the loan. Send it over – we’ll give you a no-obligation comparison and show you exactly where the difference is.
Q: Can I include insurance or luxury car tax in my finance?
Yes. We can finance:
- Comprehensive insurance
- Luxury car tax (LCT)
- Extended warranties, service packages, or accessories
This way, you preserve your capital and keep repayments predictable.
Q: Can I pay off the loan early?
Most of our lenders allow
extra repayments or early payout. If flexibility matters to you, we’ll structure the deal to give you that control – with minimal or no penalty.
Q: Can I refinance an existing luxury car loan?
Absolutely. Whether you’re looking for a lower rate, new structure, or to release equity – we’ll review your existing facility and explore smarter options across our lender panel.
Q: What if I want to upgrade mid-loan?
We can help you trade in, roll over your residual, or refinance the existing vehicle as part of a new deal. Let us know your timeline – we’ll make the transition seamless.
Q: Why should I choose TYG Finance for classic car finance?
Classic vehicle finance isn’t your average car loan. You’re buying a piece of history – often privately sourced, occasionally imported, and sometimes restored over years. At TYG, we understand the value of these vehicles and the nuances involved in financing them.
We offer:
- Flexible loan terms and custom structures
- Options for vehicles up to 30+ years old
- Pre-approval within 24–48 hours, including private sales and boutique dealers
Whether you’re expanding your collection or buying a dream build, we’ll make sure the finance is just as refined as the vehicle itself.
Q: What types of classic cars do you finance?
We can help finance a broad range of collectible and heritage vehicles, including:
- Australian classics like Holden Monaro, Ford Falcon GT, and Torana
- American muscle like Mustang, Corvette, and Camaro
- European icons like Porsche 911, Jaguar E-Type, BMW M-series, and classic Benzes
From unrestored barn finds to concourse-ready showpieces – we’ll help fund your next classic.
Q: Can I finance a car from a private seller or club member?
Yes. We regularly arrange finance for classic cars sourced through
private sellers, clubs, forums, and auctions. We handle:
- PPSR checks to verify clear title
- VIN, compliance, and spec validation
- Third-party inspections for peace of mind
We’ll make sure the vehicle – and the deal – stack up.
Q: What about imported classics? Can I finance those too?
Yes. We finance both locally delivered and
imported classic vehicles, including US, UK, and JDM models. If the vehicle meets local compliance standards, we’ll help arrange funding for the car, shipping, and related costs.
Q: Can I finance a classic vehicle for personal use?
Yes –
if you’re an existing TYG client. Whether you’re storing the car, attending club events, or just taking it out for the occasional weekend cruise, we’ll structure the loan to match your lifestyle.
Q: Do I need a valuation to get approved?
In most cases, yes – especially if the vehicle is older or highly modified. We can help you arrange a valuation from a
reputable industry-recognised valuer, which supports both finance approval and insurance later on.
Q: Do I need a deposit?
Not always. Depending on the vehicle’s age, value, and your financial position,
100% finance may be available. In other cases, lenders may prefer to see a 10–20% contribution for older or non-standard vehicles. We’ll advise based on your profile.
Q: What is Low Doc Classic Car Finance?
Low-doc finance is perfect if you’re time-poor or don’t have updated tax returns ready. We work with lenders who accept:
- BAS or bank statements
- ABN + asset ownership proof
- Previous repayment history
It’s streamlined, fast, and gets you behind the wheel sooner.
Q: What loan terms can I choose from?
Loan terms typically range from
3 to 7 years, depending on the vehicle’s age, condition, and expected usage. If the car’s a long-term hold or collector’s item, we’ll structure repayments to align with your cashflow and ownership goals.
Q: What interest rate will I get?
Rates depend on:
- The vehicle’s age and rarity
- Whether it’s dealer or private sale
- Your credit profile and deposit (if any)
We work with lenders who understand classic cars and offer
tailored rates for older vehicles and collector builds.
Q: Can I finance modifications or restoration work?
In some cases, yes. If the modifications are completed and increase the vehicle’s value, they can be included in the total finance amount. Some lenders also allow:
- Bundling in restoration costs
- Finance for parts and specialist labour
We’ll help confirm eligibility based on the build stage and condition.
Q: Can I make early repayments or pay the loan out sooner?
Yes. Many classic vehicle loans allow
extra repayments or early payout – often with minimal fees. If flexibility matters to you, we’ll match you with a lender that won’t lock you in.
Q: Can I include insurance in my loan?
Yes. We can include
agreed-value comprehensive insurance, which is essential for rare or high-value classic cars. We can also help you connect with insurers who specialise in vintage and collector vehicles.
Q: Do I need to inspect the car before I buy it?
It’s highly recommended – especially for older or modified vehicles. We can help organise a
third-party inspection, or work with your preferred mechanic or restorer to ensure the vehicle’s condition and value align with the purchase price.
Q: What if the classic I want is interstate or at auction?
That’s no problem. We can coordinate finance for
interstate purchases, auction wins, or club car deals. We’ll handle the logistics with the seller, and work to your timeline – even if settlement needs to happen fast.
Q: Why should I choose TYG Finance for ute finance?
If your ute is a key part of your work setup, downtime or delays aren’t an option. At TYG Finance, we work with
asset-backed, time-poor business owners who need fast, flexible ute finance – without jumping through unnecessary hoops.
We understand how tradies, contractors, and operators in transport, logistics, and construction use their vehicles, so we structure your loan around:
- Cashflow-friendly repayments
- 100% finance options for approved applicants
- Pre-approval within 24–48 hours
From single cab workhorses to fully spec’d dual cabs – we’ll get you on the road quickly and without hassle.
Q: What types of utes can I finance?
We finance all popular makes and models including:
- Toyota Hilux, Ford Ranger, Isuzu D-MAX, Nissan Navara, Mazda BT-50, Volkswagen Amarok, Mitsubishi Triton
New, used, 4×2 or 4×4, from a dealer or private seller – we’ll structure the ute finance to suit your setup.
Q: Can I finance a ute for business and personal use?
Yes. Many ABN holders finance utes that double as work and personal vehicles. We’ll structure the ute finance based on your usage profile and may even be able to structure it with
low-doc approval if it’s for predominantly business use.
Q: How do I apply for ute finance?
Just request a
free quote or call us on
1300 894 894. We’ll ask a few quick questions about the vehicle and your business, then:
- Match you with the right lender
- Secure pre-approval within 24–48 hours
- Coordinate directly with the seller for fast settlement
We handle the details – so you can stay on site, not stuck chasing banks.
Q: Do I need full financials to get approved?
Not necessarily. We work with lenders who offer
low-doc ute finance for ABN holders with:
- BAS or business bank statements
- Asset ownership or loan conduct
- Strong trading history
We know most business owners don’t have time to dig through financials – and with us, they don’t have to.
Q: Can I finance a ute from a private seller?
Absolutely. We’ll:
- Run PPSR and rego checks
- Confirm VIN and engine details
- Help organise an inspection (if needed)
- Pay the seller directly
Private sales can be a smart way to find value – we’ll make sure it’s safe and smooth.
Q: Do I need a deposit?
Often not. We regularly arrange
100% ute finance for approved applicants. If a deposit strengthens your deal, we’ll let you know – but we’ll never require one just for the sake of it.
Q: What is a balloon payment in ute finance and should I use one?
A
balloon payment is a lump sum owed at the end of the loan. It lowers your monthly repayments and gives you options later – whether that’s:
- Paying it out
- Refinancing
- Trading in your ute and upgrading
It’s a common strategy for trades and logistics businesses looking to maintain strong cashflow.
Q: Can I include fit-outs or accessories in my ute finance?
Yes. We can bundle in:
- Canopies, trays, toolboxes, racks, signage
- Suspension upgrades or off-road packages
- Rego, insurance, and even extended warranties
This helps you get on the road fully kitted out – without dipping into your cash reserves.
Q: What loan terms are available?
Terms typically range from
2 to 7 years. We’ll match the term to your budget, work usage, and upgrade cycle. Want to refresh every 3 years? We’ll structure the deal accordingly.
Q: What interest rate should I expect for ute finance?
Rates depend on:
- Whether the vehicle is new or used
- Where it’s sourced from (dealer or private)
- Your credit score and business profile
We’ll compare offers from
80+ lenders to lock in the sharpest rate for your ute finance.
Q: Can I make extra repayments or pay out early?
Yes. If flexibility matters to you, we’ll structure your ute loan with a lender that supports:
- Extra repayments
- Early payouts with low or no fees
It’s your finance – you should be able to manage it your way.
Q: Why not just use dealership finance for my ute?
Dealership finance might seem convenient – but it often comes with higher rates, limited flexibility, and hidden fees. With TYG:
- We negotiate across a full panel of funders
- We structure your loan around your cashflow
- We work for you – not the dealer
You’ll get better support, sharper pricing, and a structure built around your business.
Q: I’ve got a quote already – can you beat it?
Very likely. Most dealership or bank quotes are based on standard profiles and rigid conditions. Send us your quote – we’ll review it and, in most cases,
secure a more flexible structure with better pricing.
Q: Can you help arrange insurance for my ute?
Yes. We partner with insurers who offer
commercial vehicle cover – including options for tools, signage, off-road use, and fleet additions. We can also bundle insurance into your finance if you prefer a single monthly repayment.
Q: Can I finance a second-hand ute with high kms?
Yes. We regularly finance well-maintained used utes with higher mileage, provided they meet lender condition criteria. We’ll guide you on how age and kms might affect your finance options.
Q: What if I want to trade up or replace my ute mid-loan?
That’s easy. We can help you:
- Refinance or trade in your current ute
- Roll over any residual
- Set up a new finance structure for the replacement
Our goal is to keep your business moving – not stuck waiting for a loan to end.
Q: Why should I choose TYG Finance for van finance?
Whether you’re a courier, tradie, service technician or running a small fleet – your van is your office, your toolbox, and your brand on wheels. We understand how critical these vehicles are to your day-to-day operations.
At TYG, we offer van finance that’s fast, flexible, and tailored to suit the way you work. With access to
80+ lenders, we deliver:
- Pre-approval within 24–48 hours
- 100% finance options for eligible applicants
Structured terms to match your cashflow and usage cycle
We take care of the finance – so you can keep your business on the move.
Q: What types of vans can I finance?
We finance:
- Delivery vans (e.g. Toyota HiAce, Ford Transit, LDV, Renault Trafic)
- Trade fit-outs with shelving, racks, power setups
- Refrigerated vans for food and medical transport
- Passenger vans for tourism, education, or NDIS use
New or used, dealer or private sale – we’ll make it work.
Q: Can I finance multiple vans under one loan?
Yes. Whether you’re expanding your delivery fleet or updating several vans at once, we can consolidate your purchase into one application. This simplifies repayment, reduces admin, and allows for scalable additions down the track.
Q: Do I need full financials to apply?
Not necessarily. Many of our clients use
low-doc van finance, which only requires:
- BAS or bank statements
- Evidence of asset ownership or trading history
We’ll assess your position and match you with a lender who understands that paperwork shouldn’t slow your business down.
Q: How do I apply for van finance?
Call us on
1300 894 894 or request a
free quote. Once we know what you’re purchasing and your basic business profile, we’ll:
- Find the right lender
- Submit your application
- Deliver pre-approval within 24–48 hours
- Coordinate settlement with the seller
From start to finish, our brokers keep things fast and friction-free.
Q: Can I finance a van from a private seller?
Absolutely. We’ll manage:
- PPSR checks
- Rego and VIN confirmation
- Secure seller payment
If needed, we can also organise a third-party inspection to give you confidence before settlement.
Q: Do I need a deposit for van finance?
In most cases, no. We regularly arrange
100% finance for approved clients. If a deposit gives you a better deal or improves approval chances, we’ll be upfront and walk you through the trade-offs.
Q: What is a balloon payment, and should I consider it for van finance?
A
balloon payment is a final lump sum due at the end of your loan term. It helps reduce monthly repayments and can align well with:
- Seasonal cashflow
- Van replacement cycles
- End-of-term upgrades or resale plans
We’ll help you run the numbers and decide whether it’s the right move for your operation.
Q: Can I include trade fit-outs or refrigeration in the loan?
Yes. We can bundle:
- Custom shelving, racks, flooring
- Fridge units or mobile workspace upgrades
- Insurance, rego, and even branding/signage
This lets you finance a fully work-ready van without dipping into cash reserves.
Q: What loan terms are available?
Most van loans range from
2 to 7 years. We’ll help you pick the term that fits your work schedule, asset turnover, and tax planning.
Q: What interest rate will I pay on van finance?
Rates depend on:
- The van’s age, type, and condition
- Your business structure and credit history
- Whether you’re PAYG, sole trader, or company director
We’ll compare rates across the market and secure the
sharpest deal based on your profile.
Q: Can I refinance an existing van loan?
Definitely. Whether you’re after better rates, longer terms, or access to equity – we’ll review your current loan and show you smarter options.
Q: Can I make early repayments or pay out the loan sooner?
Yes. Many of our lenders allow
extra repayments or early payout. If flexibility matters, we’ll recommend lenders that won’t hit you with penalties.
Q: Why not just use the dealer’s finance?
Dealer finance often comes with limited options and hidden margins. At TYG:
- We access more lenders with better structures
- We tailor the loan to suit your business, not their sale
- We act on your behalf – not theirs
This results in a smarter loan, better terms, and a lot less stress.
Q: I already got a quote – can you beat it?
Most of the time, yes. Send it through – we’ll benchmark it against what we can offer and either beat it or tell you straight if it’s already a strong deal.
Q: Can I include van insurance in the finance?
Yes. We can bundle in
comprehensive or commercial motor insurance with your loan so everything is covered in one monthly repayment.
Q: Can I upgrade or replace my van during the loan term?
Absolutely. We can help you trade in, refinance, or top-up mid-loan if you need to switch vehicles or add another one to your business.
Q: Why should I choose TYG Finance for fleet finance?
When you’re managing a growing fleet, getting the finance structure right is just as important as getting the vehicles. At TYG, we specialise in working with
asset-backed, time-poor operators across transport, construction, mining, and logistics – businesses that rely on their fleet being reliable, compliant, and cost-effective.
With access to over
80 lenders, we deliver:
- Structured fleet finance solutions (not one-size-fits-all car loans)
- Flexible repayments, balloon options, and master facilities
- Pre-approval within 24–48 hours for fast deployment
From two vehicles to 200 – we’ll help keep your operation moving.
Q: What qualifies as a fleet?
Typically, a fleet is five or more vehicles, but we work with businesses running as few as two vehicles if there’s ongoing acquisition planned. If you’re a growing business with regular vehicle turnover or expansion in progress, we’ll tailor a finance facility that scales with you.
Q: Can I finance different vehicle types under one fleet facility?
Yes. We can help you finance a mixed fleet – including:
- Utes, vans, SUVs, light trucks
- Specialist vehicles for mining, construction, or logistics
- Electric vehicles or fuel-efficient upgrades
We’ll structure a consolidated facility or set up separate schedules under a master approval – whatever works best for your ops and accounting teams.
Q: How much can I be approved for?
Fleet approvals typically range from
$50,000 up to $2 million, depending on the size of your business, vehicle types, and trading history. With a strong asset base and clean loan conduct, we can often push approvals through faster and with fewer conditions.
Q: What is a master fleet facility, and how does it work?
A master fleet facility gives you
a pre-approved funding limit that you can draw from over time. This avoids the need to reapply for finance every time you add a vehicle. It’s ideal for growing businesses and allows:
- Faster vehicle deployment
- Consistent documentation
- Simplified monthly billing and tracking
Q: Can I finance fleet vehicles from different sellers or states?
Absolutely. We’ll manage all the coordination, including:
- PPSR and rego checks
- VIN verification for each vehicle
- Coordination with multiple dealers or private sellers
Whether you’re sourcing locally or interstate – we’ll help get all vehicles settled efficiently.
Q: Can I finance used fleet vehicles?
Yes. Many fleet operators buy high-quality used vehicles to optimise cost and avoid immediate depreciation. We finance:
- Ex-lease or dealer-used vehicles
- Privately sourced vehicles with strong condition reports
Age, mileage, and resale value will influence structure – but we’ll tailor each deal accordingly.
Q: What is a balloon payment, and do I need one in fleet finance?
A
balloon payment is a final lump sum owed at the end of your finance term. It’s commonly used to:
- Lower monthly repayments
- Align with trade-in or vehicle refresh cycles
If your business turns over vehicles every 3–5 years, a balloon helps keep repayments low while you retain flexibility at the end of term.
Q: Can I finance fleet maintenance or rego costs too?
Yes. We can bundle:
- Servicing and maintenance plans
- Rego, insurance, and extended warranties
- Telematics or tracking hardware
This lets you build a fully costed monthly repayment for each vehicle – no surprises, no stress.
Q: Do I need full financials to apply for fleet finance?
Not always. For many of our clients, we arrange
low-doc fleet finance using:
- Recent BAS or business bank statements
- Asset register or ownership history
- Summary of current fleet and usage
We’ll match you with a lender that understands working with ABN holders – not just big corporates.
Q: What interest rates should I expect on fleet finance?
Fleet rates vary based on vehicle types, loan amounts, and your credit profile. That said, we regularly secure
preferential pricing from lenders who specialise in commercial fleet finance – and pass that saving directly onto you.
Q: Why not just go to my bank for fleet finance?
Banks are slow, rigid, and often don’t understand the dynamics of a growing fleet. You’ll deal with:
- One lender, one rigid policy
- Weeks of back-and-forth paperwork
- Limited structuring options
At TYG, we act fast, compare lenders for you, and negotiate for
your business – not the bank’s.
Q: Why not finance through the dealership? Isn’t that faster?
Dealer finance is often just a basic car loan with limited flexibility. If you’re managing a business fleet, you need more:
- Structured repayments
- Tax and accounting benefits
- Flexible trade-in or upgrade pathways
We’ll secure smarter funding and better long-term outcomes.
Q: Can I make extra repayments or clear my fleet finance early?
Yes. Most of our lenders allow:
- Extra repayments
- Early payout options
- Minimal break fees
We’ll match you with a facility that gives you control over how and when you pay.
Q: Can I include fleet insurance in the finance?
Yes. We can bundle
fleet vehicle insurance, CTP, and even cover for signage or tools into your monthly repayment if needed. One invoice. No gaps.
Q: Can I add vehicles to my fleet later without reapplying?
Yes – if you have a
master facility or
pre-approval limit, we can draw down new vehicle loans with minimal effort. It’s the smart way to manage ongoing fleet growth without the paperwork headaches.
Q: I’ve got a fleet finance quote already – can you beat it?
Often, yes. Send us the details – we’ll review it against our panel and either beat the rate, extend the flexibility, or reduce the fees.
Q: Why should I choose TYG Finance for truck finance?
Whether you’re an owner-driver or running a full transport operation, getting the right truck on the road quickly and affordably is critical. At TYG, we specialise in helping
asset-backed operators access tailored, flexible truck finance that fits their work, not just a generic loan.
We offer:
- Pre-approval within 24–48 hours
- 100% truck finance available for eligible clients
- Structured terms to match depreciation, tax schedules, and usage
Our brokers understand transport, logistics, and heavy haulage – so we speak your language, and we know what matters.
Q: What types of trucks can I finance?
We finance a wide range of trucks, including:
- Prime movers and rigid trucks
- Tilt trays, tippers, crane trucks
- Refrigerated trucks and tautliners
- Concrete pumps, agitators, and tankers
New or used, dealer or private seller – we’ll structure your truck finance to get you moving quickly.
Q: Can I finance a truck from a private seller?
Absolutely. We regularly arrange truck finance for privately sold vehicles. We handle:
- PPSR checks and asset ID verification
- Inspections and valuation (if needed)
- Secure settlement with the seller
Private sales often offer better value – our job is to make them just as secure as dealer deals.
Q: How much can I be approved for?
Truck finance is available from
$20,000 up to $2 million, depending on your asset profile and trading history. If you’ve got clean conduct, a strong income stream, or own property – we can usually push the numbers further.
Q: What documents do I need to apply for truck finance?
For many clients, we can arrange
low-doc truck finance using:
- BAS or business bank statements
- An asset and liability snapshot
- Evidence of trading history
We keep paperwork minimal so you can stay focused on the road, not buried in admin.
Q: What is Low Doc Truck Finance?
Low-doc truck finance is designed for
time-poor, asset-backed ABN holders who don’t have tax returns on hand. We use alternate forms of income verification to secure approval – fast, and without hassle.
Q: Can I get pre-approved before I’ve chosen a truck?
Yes. We can arrange
conditional pre-approval, so you know your limit and can shop with confidence. Once you’ve picked the truck, we’ll finalise settlement details and release funds promptly.
Q: What loan terms are available for truck finance?
Most truck loans run for
3 to 7 years, depending on your budget, truck age, and preferred repayment profile. We’ll tailor the structure to match your working capital and depreciation plans.
Q: What is a balloon payment in truck finance? Do I need one?
A
balloon payment is a final lump sum owed at the end of the loan. It helps reduce monthly repayments and keeps more cash in your business now.
At the end of term, you can:
- Pay it out
- Refinance it
- Trade in and roll over
We’ll run the numbers and advise if a balloon makes sense for your cashflow.
Q: Do I need a deposit to get truck finance?
Not always. We regularly arrange
100% finance for clients with strong asset backing or previous repayment history. If a deposit improves your rate or approval odds, we’ll talk it through and structure accordingly.
Q: Why not just go to my bank?
Banks can be slow, conservative, and unfamiliar with truck or transport industry lending. TYG offers:
- Faster processing times
- Access to specialist truck lenders
- Structuring support to suit your income cycles
We advocate for your business and get deals done without dragging it out.
Q: Why not use dealership finance? Isn’t that easier?
Dealer finance often looks convenient – but usually comes with:
- Limited lender options
- Higher hidden rates
- No flexibility to structure balloon or GST handling
We’ll get you a better deal – and actually tailor it around your operation.
Q: Can I include extras or upgrades in my truck finance?
Yes. We can bundle:
- Rego and insurance
- Hydraulic upgrades, trays, PTOs, toolboxes
- Paint, branding, or sleeper cab fit-outs
Your finance package should support a working vehicle – not just a rolling chassis.
Q: What interest rates should I expect on truck finance?
Rates vary depending on:
- Truck type, age, and condition
- Deposit, balloon, and structure
- Credit and asset position
We deal with lenders offering
preferential truck finance rates and we’ll negotiate the best fit for your situation.
Q: Can I make extra repayments or pay the loan out early?
Yes. Most of our lenders support additional repayments or early payout. We’ll guide you toward a lender that gives you this flexibility – without excessive penalties.
Q: Can I refinance an existing truck loan?
Absolutely. If your current rate is high, or you want to restructure cashflow – we’ll review your loan and provide options to:
- Lower repayments
- Extend term
- Release equity for another truck or trailer
Q: What if I want to upgrade my truck before the loan ends?
That’s common. We can help you:
- Trade in and refinance
- Roll over your balloon
- Top up your facility for the upgrade
You’ll keep moving – and we’ll structure the next deal smarter.
Q: Why should I choose TYG Finance for trailer finance?
Whether you’re hauling freight, livestock, machinery, or agricultural produce – your trailer is the backbone of your operation. At TYG, we specialise in
tailored trailer finance for asset-backed operators across transport, civil, and primary industries.
We offer:
- Access to 80+ commercial lenders
- Options for 100% trailer finance
- Pre-approval within 24–48 hours
Our brokers understand the industry, the assets, and what’s required to get your trailer working – and earning – as fast as possible.
Q: What types of trailers can I finance?
We finance:
- Dropdecks, flatbeds, curtain-siders
- Low loaders, tipper trailers, and dollies
- Dog trailers, pig trailers, and side tippers
- Refrigerated trailers, tankers, grain and livestock trailers
Whether you’re buying new, used, or custom-built – we’ll structure a trailer finance solution to suit.
Q: Can I finance a trailer through a private seller?
Absolutely. We handle trailer finance for private sales regularly. We’ll manage:
- PPSR and compliance checks
- VIN, spec, and condition reports
- Secure seller payments and inspections
Private sales can be great value – we’ll make sure they’re safe, efficient, and clean.
Q: How much can I be approved for?
Trailer finance can range from
$15,000 to $1M+, depending on the trailer type, condition, and your financial position. If you’re trading under an ABN and own equipment or property, we can usually maximise your approval potential.
Q: Do I need a deposit to get trailer finance?
Not always. We regularly secure
100% trailer finance for eligible clients. If a deposit improves the deal or approval timeline, we’ll structure it with your goals in mind – but we’ll never require one unless it benefits you.
Q: What is Low Doc Trailer Finance?
Low-doc trailer finance is designed for time-poor operators who don’t have updated tax returns on hand. We can get you approved using:
- Recent BAS or bank statements
- Clean repayment history
- Asset ownership verification
It’s fast, efficient, and perfect for established ABN holders who need to move now.
Q: Can I get approved before choosing a trailer?
Yes. We can arrange
conditional pre-approval so you can shop with confidence. Once you find the right trailer, we finalise the details and complete settlement – usually within a few business days.
Q: What loan terms are available?
Trailer finance terms usually range from
3 to 7 years. We’ll help you pick the right structure based on:
- Expected usage and depreciation
- Resale strategy
- Preferred monthly repayment profile
Q: What is a balloon payment in trailer finance?
A
balloon payment is a lump sum payable at the end of your loan term. It helps reduce monthly repayments and can be refinanced, paid out, or cleared by selling/trading in the trailer. We’ll help you structure it based on your replacement cycle or fleet planning.
Q: What interest rates should I expect for trailer finance?
Rates depend on:
- The trailer’s age, spec, and source
- Whether you’re contributing a deposit
- Your credit profile and existing loans
We’ll compare lender offers and negotiate the best rate for your industry and asset type.
Q: Why not just go to my bank for trailer finance?
Banks are often slow to assess asset-based lending – especially for trailers. With TYG:
- We move fast
- We structure the loan around your business model
- We don’t require full financials in many cases
Plus, we work with lenders who understand how trailers earn money – not just how old they are.
Q: Can I finance trailer fit-outs or modifications?
Yes. We can bundle:
- Hydraulic kits, ramps, brakes, suspension
- Custom fabrication and signage
- Compliance upgrades or transport-specific mods
We’ll finance the trailer and everything you need to get it on the road legally and profitably.
Q: Can I include rego or insurance in my loan?
Definitely. We can bundle
registration, insurance, and even servicing plans into your trailer finance agreement – keeping your out-of-pocket costs to a minimum.
Q: Can I make early repayments or pay the loan off sooner?
Yes. Most of our lenders allow early payout or extra repayments with minimal or no penalty. If flexibility is a priority, we’ll select lenders that support it.
Q: I got a quote from the dealer – can you beat it?
Almost always. Dealer and in-house finance usually favours their margins. We compare offers across the market to secure:
- A lower rate
- Better loan flexibility
- Smarter balloon or deposit structure
Q: Can I upgrade or trade my trailer mid-loan?
Yes. We can help you:
- Refinance the residual
- Trade-in and roll into a new loan
- Top-up funding for your next asset
We’ll time the transition around your work schedule and make it seamless.
Q: Why should I choose TYG Finance for bus finance?
Whether you’re operating a charter fleet, transporting NDIS clients, running a school route, or expanding a tourism offering – bus finance isn’t a one-size-fits-all product. At TYG, we tailor
bus finance solutions that reflect the demands of your industry, your clients, and your cashflow.
With access to
80+ commercial and specialist lenders, we offer:
- Pre-approval within 24–48 hours
- 100% finance available for eligible operators
- Loan structures that align with contract terms, service routes, or funding cycles
We’re here to get your vehicle on the road, earning, and compliant – without delays or inflexible structures.
Q: What types of buses do you finance?
We finance all types of passenger transport vehicles including:
- Mini-buses, shuttle buses, and wheelchair-accessible buses
- Coaches and high-capacity school buses
- Custom-fit NDIS vehicles and aged care transport
- Tourism buses and regional charter units
New or used, purchased locally or from interstate – we’ll help structure the loan accordingly.
Q: Can I finance a bus through a private seller?
Yes. We regularly arrange
bus finance for private sales. We manage:
- PPSR checks, VIN validation, and roadworthiness review
- Payment to the seller and asset inspection (if needed)
- Title transfer and settlement coordination
Whether you’re buying from a school, church, NFP, or another operator – we’ll protect your purchase.
Q: Do I need a deposit for bus finance?
Not necessarily. We can arrange
100% finance for eligible businesses. Where a deposit helps reduce repayments or improve approval terms, we’ll explain your options and structure the deal accordingly.
Q: What is Low Doc Bus Finance?
Low-doc finance is for time-poor ABN holders who may not have current tax returns or full financials ready. We work with lenders who accept:
- Recent BAS or business bank statements
- Asset registers or verified income streams
This keeps your application lean – and fast-tracked.
Q: Can I include custom fit-outs in my bus finance?
Yes. We can bundle costs for:
- Wheelchair lifts and accessibility upgrades
- Seat modifications, safety rails, and air-conditioning
- Decals, GPS, internal audio/video equipment
Your finance can cover the full turnkey solution – not just the chassis.
Q: How much can I borrow with bus finance?
We regularly arrange funding from
$30,000 to $2 million+, depending on the number of units, type of vehicle, and your financial profile. Fleet upgrades and replacements can be packaged under a single approval.
Q: What loan terms are available?
Most bus finance terms range from
3 to 7 years, with longer terms available on higher-value or fit-out-heavy assets. We’ll help you align repayments with usage, contract income, or your business cycle.
Q: What is a balloon payment, and should I use one for bus finance?
A
balloon payment is a lump sum due at the end of your loan. It lowers your monthly repayments and can work well if you plan to:
- Trade or upgrade the bus mid-cycle
- Align repayment with seasonal revenue
- Refinance after completing a major contract
We’ll model different options and help you decide what suits your growth plans.
Q: Can I finance multiple buses under one facility?
Yes. If you’re replacing part of your fleet, expanding into new routes, or tendering for a new contract – we can set up a
consolidated loan or even a
master facility with staggered drawdowns.
Q: What interest rate will I pay for bus finance?
Rates depend on:
- Vehicle type, age, and spec
- Purchase source (dealer vs private)
- Your business structure and credit profile
We work with lenders who understand transport assets and secure
preferential pricing for fleet operators and ABN holders.
Q: Can I get pre-approved before committing to a vehicle?
Yes.
Pre-approval gives you confidence to bid at auction, negotiate stronger with sellers, or act quickly when the right unit becomes available. It’s obligation-free and valid for a set period.
Q: Can I include registration and insurance in the loan?
Definitely. We can bundle:
- CTP and commercial motor insurance
- Registration and vehicle delivery
- Extended warranties or servicing contracts
This reduces your upfront costs and helps you hit the road fully compliant.
Q: Can I make early repayments or pay out the loan sooner?
Yes. Many lenders allow early payout or extra repayments with minimal fees. We’ll guide you to lenders who support flexibility if you want full control over your finance.
Q: Why not go to my bank for bus finance?
Banks often don’t understand the nuances of bus operators, especially for NDIS or government-tied contracts. At TYG:
- We move faster
- We match you with lenders who specialise in vehicle-heavy operations
- We tailor deals to suit seasonal, route-based, or grant-tied businesses
No generic forms. No cookie-cutter assessments.
Q: I’ve got a quote from a dealer or bank – can you beat it?
Most likely, yes. Dealer finance tends to be standardised and limited in structure. We compare offers across
80+ lenders, negotiate on your behalf, and secure a smarter, more flexible deal.
Q: What if I want to upgrade before the loan ends?
No problem. We can help you:
- Refinance your existing vehicle
- Trade in and roll over
- Top-up funding to upgrade without restarting the loan process
We make sure your fleet stays current, compliant, and road-ready.
Q: Why should I choose TYG Finance for concrete pump finance?
Financing a concrete pump isn’t the same as financing a standard truck – it’s a specialised asset with serious operational value. Whether you’re buying a boom pump, line pump, or a custom unit, TYG delivers structured finance that fits how your concreting business works.
We understand your needs as a contractor, subbie, or fleet operator, and offer
pre-approval within 24–48 hours,
100% finance options for eligible buyers, and structures that align with your contracts, turnover, and equipment lifecycle. You’ll deal with
one broker from start to finish who knows heavy assets, understands site-readiness, and ensures your pump is financed fast, fairly, and with flexibility.
Q: What types of concrete pumps can I finance?
We finance a wide range of units, including truck-mounted boom pumps, static line or trailer-mounted pumps, high-rise and high-pressure units, whether new, used, or imported. Whether you’re buying direct from a dealer or private sale, we’ll structure a solution to get the pump working and earning.
Q: Can I finance a concrete pump from a private seller?
Yes – this is common in the concrete industry. We’ll verify ownership through PPSR, check specs and condition, and ensure the unit is compliant and financeable. Once everything checks out, we’ll settle directly with the seller and handle the paperwork.
Q: Do I need a deposit?
Not always. If you have solid asset backing or a strong repayment history, we can often arrange
100% concrete pump finance. If a deposit helps improve your terms or reduce repayments, we’ll show you both options so you can choose what works best.
Q: How much can I borrow for concrete pump finance?
Loans typically range from
$50,000 to $1.5 million+, depending on the pump’s value, age, and the strength of your profile. We also help fund multiple pumps under one facility or staggered settlement schedule.
Q: What loan terms are available?
Terms usually range from
3 to 7 years. We’ll structure repayments around equipment age and condition, contract cashflow and payment cycles, and whether you prefer lower monthly costs or faster equity build-up.
Q: What is a balloon payment and should I consider one?
A balloon payment is a lump sum owed at the end of your loan term. It’s a popular strategy for contractors wanting lower regular repayments, the ability to upgrade after 3–5 years, or more flexibility with working capital. We’ll model how a balloon affects your loan so you can make an informed decision.
Q: Can I finance only the pump or the full truck + pump setup?
You can finance the full concrete pump truck package or just the pump itself, if it’s being installed on an existing or separate chassis. We can also include the cost of upgrades, refurbs, or installation in the loan.
Q: Can I include servicing, fit-out, or delivery costs in the loan?
Yes. We can wrap up transport and handover, customisation or fit-outs (e.g. remote controls, safety systems), and registration and insurance into a single finance package so your unit is ready to work from day one.
Q: What is Low Doc Concrete Pump Finance?
Low-doc finance is designed for ABN holders who are time-poor or don’t have up-to-date tax returns. We can secure approval based on recent BAS or bank statements, equipment ownership or asset position, and trading history or repayment conduct. It’s fast, practical, and ideal for contractors on the go.
Q: Can I make extra repayments or pay the loan out early?
Yes. Many of our lenders allow early payout or lump-sum top-ups with minimal fees. If flexibility is important, we’ll connect you with a lender who won’t lock you in or penalise success.
Q: Can I refinance my current concrete pump loan?
Absolutely. If you’re currently paying a high interest rate, nearing the end of term and planning an upgrade, or looking to free up equity for another unit, we can help you refinance and restructure on better terms.
Q: Why not go through my bank?
Banks typically don’t understand concrete-specific equipment, require full financials and long approval timelines, and often reject deals based on equipment age or perceived asset risk. At TYG, we know the machinery and work with lenders who specialise in concreting gear. You get faster approvals, smarter loan options, and someone on your side.
Q: I’ve already got a quote from the dealership – can you beat it?
Most of the time, yes. Dealer finance often comes with hidden margins or restrictive terms. We’ll compare your quote and either beat it or show you where we add more value – whether it’s rate, flexibility, or total loan cost.
Q: What happens if I want to upgrade or replace the pump mid-loan?
No problem. We can help you refinance or trade in the pump, roll over your balloon or residual into a new loan, and adjust your finance strategy as your equipment needs change. You keep the business moving – we’ll handle the finance.
Q: Why should I choose TYG Finance for concrete agitator finance?
Financing an agitator isn’t the same as financing a regular work vehicle – it’s a specialised, high-capacity asset that needs the right structure, approvals, and timing. At TYG, we understand how concreters and civil contractors operate, and we build finance solutions that match the job.
We offer:
- Pre-approval within 24–48 hours
- Access to 100% agitator finance for eligible ABN holders
- Structures that suit contract-based or project-driven income
Unlike banks, we won’t waste time with red tape. And
unlike dealers, we don’t push what’s convenient for them – we tailor what’s right for you. You’ll deal with a
dedicated broker from quote to settlement who knows the industry and keeps the process moving.
Q: What types of concrete agitators can I finance?
We finance:
- Single steer and twin steer truck-mounted agitators
- Rear and front discharge models
- Fleet upgrades, replacements, and custom builds
- Units purchased from dealers, private sellers, or auctions
New or used, we’ll find the right lender and structure for the unit and your business model.
Q: Can I finance just the agitator drum, or the full truck package?
You can finance either:
- The complete agitator truck
- Just the drum or mixing system (for chassis retrofits)
We can also include fit-outs, compliance work, or fleet branding as part of the finance package.
Q: Can I finance an agitator from a private seller?
Yes. Private sales often offer excellent value, especially for operators upgrading or exiting. We’ll manage:
- PPSR checks and seller due diligence
- VIN and drum spec verification
- Secure settlement and optional inspection
We make private sales clean and secure – just like buying through a dealer.
Q: How much can I be approved for?
We arrange concrete agitator finance from
$50,000 to over $1 million, depending on your experience, asset position, and the spec of the unit. If you’re asset-backed and trading under an ABN, we can usually maximise your approval limit.
Q: Do I need a deposit for agitator finance?
Not always. We regularly arrange
100% finance for asset-backed operators. If a deposit improves pricing or approval terms, we’ll structure it to work with your cashflow and current commitments.
Q: What is Low Doc Concrete Agitator Finance?
Low-doc finance is designed for
time-poor ABN holders who don’t have updated tax returns ready. We can get you approved using:
- Recent BAS or bank statements
- Equipment ownership history
- Loan conduct or repayment references
It’s fast, no-fuss, and gets you moving without the paperwork pile-up.
Q: What loan terms are available?
Most agitator finance terms range from
3 to 7 years, depending on the age of the truck, value of the drum, and your preferred repayment strategy. We’ll tailor the deal to your fleet lifecycle and job pipeline.
Q: Can I include agitator servicing, refurbs, or compliance in the loan?
Yes. We can bundle in:
- Drum relines or mechanical upgrades
- Rego, insurance, or roadworthy compliance
- Fleet decals and branding
This helps you hit the road with a fully operational and compliant unit.
Q: What’s a balloon payment and is it right for this type of asset?
A
balloon payment is a lump sum due at the end of the loan. It reduces your ongoing repayments and can be helpful if:
- You want to upgrade or sell in 3–5 years
- You want to preserve cashflow early in the contract
We’ll run the numbers so you can decide whether it fits your replacement strategy.
Q: Can I refinance an existing agitator loan?
Yes. If you’re paying too much, nearing term, or want to roll into a new deal – we can:
- Refinance your current loan
- Free up equity for another truck
- Extend the term or reduce monthly pressure
Q: Can I make early repayments or clear the loan sooner?
Most of our lenders allow extra repayments or early payout. If flexibility is a priority, we’ll place you with a lender who supports it – with minimal or no penalties.
Q: Why not go through my bank?
Banks often don’t understand the nature of these assets, and will:
- Ask for full financials and tax returns
- Take weeks to assess your application
- Decline based on asset age or spec
At TYG, we fast-track deals using lender partners who understand construction, civil, and concreting assets.
Q: Why not just use the dealer’s finance offer?
Dealers typically offer basic, cookie-cutter finance with limited options. With TYG:
- You get access to specialist lenders
- We negotiate rates and structure to suit your business
- You deal with one broker from start to finish – not multiple departments or follow-ups
Our focus is getting you the best finance, not selling a truck.
Q: What interest rates should I expect for agitator finance?
Rates depend on:
- The age and type of agitator
- Deposit or balloon setup
- Business credit and asset backing
We compare rates across
80+ lenders to secure the sharpest offer available for your deal.
Q: Can I get pre-approved before I find a truck?
Yes. We can organise a
pre-approved limit, giving you the power to shop with confidence. Whether you’re at auction, negotiating privately, or buying interstate – you’ll have the advantage of fast settlement once you’re ready.
Q: Why should I choose TYG Finance for machinery finance?
Machinery finance is not just about buying an asset – it’s about enabling productivity, completing contracts, and scaling operations. At TYG, we specialise in helping
time-poor, asset-backed businesses in civil, construction, mining, and agriculture access machinery finance that works the way they work.
We offer:
- Pre-approval within 24–48 hours
- 100% machinery finance available for approved clients
- Custom structuring for cashflow, seasonal income, or equipment turnover
Unlike banks, we don’t need endless financials and weeks of processing.
Unlike dealers, we work for you – not to move stock. And with TYG, you’ll have
one dedicated broker from quote to settlement.
Q: What types of machinery can I finance?
We finance a wide range of commercial and industrial machinery including:
- Earthmoving gear: graders, rollers, scrapers
- Mining equipment: drilling rigs, crushers, conveyors
- Agricultural machinery: harvesters, seeders, sprayers
- Manufacturing and production machinery
Whether buying new, used, from a dealer or privately – we’ll match you with a lender that understands your asset.
Q: Can I finance machinery from a private seller?
Yes. We manage private sales every day and take care of:
- PPSR checks and clear title confirmation
- Asset verification (make, model, serial, specs)
- Seller payment and optional inspections
You get peace of mind and fast settlement – even when buying privately.
Q: Do I need a deposit to finance machinery?
Not necessarily. We can often secure
100% machinery finance, especially for ABN holders with strong asset positions or prior lending history. If a deposit improves the deal, we’ll explain the benefit – but we’ll never require one unless it’s necessary.
Q: What is Low Doc Machinery Finance?
It’s the preferred route for many time-poor operators. We can approve deals based on:
- Business bank statements or BAS
- Clean asset ownership history
- A clear loan purpose and repayment plan
No tax returns, no full financials – just real-world approvals for working operators.
Q: How much can I be approved for?
We arrange machinery finance from
$20,000 to $2M+, depending on:
- Equipment type and value
- Asset age
- Your credit and trading profile
We can also help structure
fleet approvals for multiple purchases under one application.
Q: What loan terms are available?
Machinery loan terms typically run from
3 to 7 years. We’ll help you match repayments to:
- Seasonal income (for ag or harvest-linked gear)
- Contract durations (for civil or project machinery)
- Residual value and asset lifecycle
Q: Can I finance multiple machines under one approval?
Yes. We can consolidate multiple pieces of equipment into one loan or approval limit – whether you’re upgrading your fleet, replacing existing units, or buying from several sources.
Q: What is a balloon payment and should I consider one?
A
balloon payment is a lump sum owed at the end of the loan. It reduces your monthly outgoings and can help preserve cashflow for growing businesses. You can:
- Refinance the balloon
- Pay it out from working capital
- Sell or trade the machine and roll into a new loan
We’ll model the numbers and help you make an informed call.
Q: Can I include transport, delivery, or attachments in the loan?
Yes. We can finance:
- Freight and installation
- Attachments like buckets, augers, or GPS kits
- Compliance modifications or rego
We help you hit the ground running – without unexpected out-of-pocket costs.
Q: Can I make extra repayments or pay out early?
Yes. Most of our lenders support:
- Early payouts with minimal fees
- Extra repayments to reduce interest or shorten the loan
If flexibility is important, we’ll place you with a lender that supports it.
Q: What interest rates should I expect?
Rates depend on:
- Age, value, and type of machinery
- Deposit, balloon, or loan term
- Your asset backing and trading record
We negotiate across our
80+ lenders to secure competitive, tailored machinery finance deals.
Q: Why not go through my bank for machinery finance?
Banks tend to:
- Be slow
- Require full tax returns and projections
- Decline deals on older or niche machinery
We offer
fast, commercial-grade approvals from lenders who actually understand how machinery is bought, used, and turned over in Australian industry.
Q: What if I want to upgrade my machine halfway through the loan?
We can help you:
- Refinance your existing loan
- Trade in your machine and roll into a new structure
- Top-up or restructure as your needs change
You stay productive – we handle the funding.
Q: Why should I choose TYG Finance for equipment finance?
When you’re running a business, the right equipment helps you stay competitive, efficient, and compliant – but the wrong finance structure can tie up your cashflow and slow things down. At TYG, we specialise in
fast, flexible equipment finance for time-poor, asset-backed businesses.
We offer:
- Pre-approval within 24–48 hours
- 100% finance available for eligible clients
- Structures tailored to the equipment’s lifecycle, usage, and tax outcomes
Unlike banks, we don’t require stacks of documents or weeks of processing.
Unlike dealers, we act on your behalf – not theirs. You’ll deal with
one point of contact from start to finish who understands how your industry works.
Q: What types of equipment can I finance?
We finance a broad range of commercial, trade, and industrial equipment, including:
- Workshop and warehouse equipment
- Commercial kitchen and hospitality gear
- Medical and allied health equipment
- IT, AV, and security systems
- Manufacturing and packaging equipment
Whether it’s new, used, or privately sourced – we’ll help you fund what your business needs to grow.
Q: Can I finance equipment from a private seller?
Absolutely. We manage equipment finance for private sales every day. We take care of:
- PPSR checks and ownership validation
- Serial number and condition verification
- Secure payment to the seller
This makes private purchases as secure and streamlined as dealer-sourced ones.
Q: How much can I be approved for?
Equipment finance is available from
$10,000 to $1.5 million+, depending on:
- The type and condition of the asset
- Your ABN trading history and asset position
- Whether you’re applying as low-doc or full-doc
Q: Do I need a deposit?
Not necessarily. We frequently secure
100% equipment finance for eligible businesses. If a deposit improves your rate or helps with approval, we’ll walk you through the numbers – but we won’t require one unless it benefits your outcome.
Q: What is Low Doc Equipment Finance?
Low-doc finance is ideal for time-poor business owners who don’t have full tax returns ready. We can secure approval using:
- Recent BAS or business bank statements
- Asset or loan repayment history
- A solid industry track record
It’s fast, reliable, and purpose-built for small businesses and trades.
Q: What loan terms are available?
Most equipment finance terms range from
2 to 7 years, depending on the asset’s lifespan, usage intensity, and how long you plan to keep it. We’ll help you choose a term that balances monthly cashflow and long-term value.
Q: Can I finance multiple pieces of equipment at once?
Yes. If you’re upgrading several items or refitting your workspace, we can:
- Bundle assets into a single loan
- Set up a pre-approved limit or revolving facility
- Handle staged settlement across suppliers or deliveries
Q: What is a balloon payment, and do I need one?
A
balloon payment is a lump sum payable at the end of your loan. It reduces monthly repayments and gives you the flexibility to:
- Refinance, pay out, or trade up at the end
- Manage short-term cashflow during early growth
- Free up capital for other projects
We’ll advise whether a balloon is smart based on the asset type and your goals.
Q: Can I include installation, delivery, or setup costs in the loan?
Yes. We can finance:
- Delivery and installation
- Setup, calibration, or compliance
- Software, warranties, or servicing contracts
We help you finance a fully functional solution – not just the base hardware.
Q: Can I pay the loan out early or make lump sum repayments?
Yes. Many of our lenders allow
early payout or extra repayments with minimal fees. If flexibility is a must, we’ll choose a lender that lets you manage your finance on your terms.
Q: What interest rates should I expect for equipment finance?
Rates depend on:
- Equipment age, value, and expected life
- Whether you’re using low-doc or full-doc finance
- Your credit profile, deposit, and asset position
We’ll compare options from our
80+ lender panel and secure a competitive offer tailored to your deal.
Q: Can I refinance existing equipment?
Yes. If you’ve bought something outright or you’re on a high-interest loan, we can help:
- Refinance and reduce repayments
- Free up equity for other purchases
- Re-structure the loan for better tax treatment or balloon rollover
Q: Why not just go through my bank?
Banks typically:
- Require full financials
- Take weeks to assess your application
- Offer rigid, one-size-fits-all loan products
We work faster, structure smarter, and match you with lenders that understand
how your equipment earns money – not just how old it is.
Q: What if I want to upgrade or add more equipment mid-loan?
That’s common. We can:
- Refinance and bundle new assets into your current facility
- Top-up your approval limit
- Set up a revolving equipment line for future purchases
This keeps your business moving – without starting from scratch every time.
Q: Why should I choose TYG Finance for excavator finance?
Excavators are serious assets – and they deserve serious finance solutions. Whether you’re buying a 1.7-tonne mini for tight-access work or a 30-tonne machine for civil or mining contracts, TYG delivers
fast, fit-for-purpose excavator finance that gets your gear on site, not stuck in paperwork.
We provide:
- Pre-approval within 24–48 hours
- Access to 100% excavator finance
- Finance structures that match your contract pipeline and cashflow
Unlike banks, we won’t make you wait weeks.
Unlike dealerships, we’re not here to move iron – we’re here to move your business forward. And with
one point of contact, the process is efficient from start to finish.
Q: What types of excavators can I finance?
We finance:
- Mini excavators (1.7T–8T) for plumbing, landscaping, and residential work
- Mid-size and large excavators for civil and earthworks
- Wheeled and tracked models, long-reach machines, and zero-tail swing units
- Machines with tilt hitches, GPS, or specialised attachments
Dealer or private sale, new or used – we’ll structure a smart deal.
Q: Can I finance an excavator from a private seller?
Absolutely. We’ll handle:
- PPSR checks and clear title verification
- Serial number and model spec validation
- Payment to the seller and optional inspection
Private sales are often good value – we’ll make sure they’re low-risk too.
Q: Do I need a deposit?
Not always. We regularly arrange
100% excavator finance for ABN holders with clean conduct or asset backing. If a deposit helps you secure better terms or reduce repayments, we’ll show you the benefit and structure it accordingly.
Q: How much can I be approved for?
We fund excavators from
$20,000 up to $1.5 million+, depending on the equipment, its age, and your business profile. We also arrange
pre-approved credit limits for clients upgrading or purchasing multiple machines over time.
Q: What is Low Doc Excavator Finance?
Low-doc finance allows you to secure funding without full tax returns. You may be eligible with:
- Recent BAS or bank statements
- Solid repayment history or asset ownership
- ABN active 12+ months
It’s built for time-poor operators who need approvals fast.
Q: What loan terms are available for excavator finance?
Loan terms typically range from
3 to 7 years, depending on:
- The age of the machine
- Your desired monthly repayment
- Balloon or residual planning
We’ll align the term with your contract flow and replacement cycle.
Q: What is a balloon payment, and should I consider one for excavator finance?
A
balloon payment is a lump sum due at the end of the loan, which lowers your monthly repayments. At term-end, you can:
- Trade in or sell the machine
- Refinance the residual
- Pay it out directly
It’s ideal for businesses upgrading regularly or managing short-term contracts.
Q: Can I include attachments or site compliance in the loan?
Yes. We can finance:
- Buckets, augers, tilt hitches, hydraulic thumbs
- Safety upgrades, mine spec kits, GPS and telemetry
- Delivery and registration
You’ll walk away with a fully operational machine – not just the base unit.
Q: Can I refinance my current excavator loan?
Yes. If you want to:
- Lower repayments
- Free up equity for new purchases
- Replace a high-rate facility with better terms
We’ll review your existing finance and show you smarter options.
Q: What interest rates should I expect for excavator finance?
Rates depend on:
- Machine age, source, and value
- Deposit, balloon, and term setup
- Your credit and asset position
We compare offers from
specialist heavy equipment lenders to lock in sharp, business-aligned rates.
Q: Why not go through the bank for excavator finance?
Banks are often slow, risk-averse, and uncomfortable with older or imported machines. At TYG:
- We move fast
- We deal with lenders who specialise in construction and plant equipment
- We can work low-doc and high-urgency
We’re here to get you on site – not stuck in a queue.
Q: Can I make extra repayments or pay off early?
Yes. If you want flexibility, we’ll connect you with lenders who allow early payouts or extra repayments with minimal or no fees.
Q: Can I finance older excavators?
Yes. We work with lenders who are comfortable financing
well-maintained used excavators, even 10–15+ years old. The key is condition and resale value – not just age.
Q: What if I want to upgrade mid-loan?
We can:
- Refinance the residual
- Trade in and roll over into a new machine
- Top-up funding to increase spec or capacity
You keep working – we handle the finance.
Q: Why should I choose TYG Finance for dozer finance?
Dozers aren’t small investments – they’re hard-working, high-impact assets that need the right finance behind them. Whether you’re pushing bulk material, clearing scrub, or cutting pads on civil sites, we’ll structure
dozer finance that matches your cashflow, contract pipeline, and depreciation strategy.
At TYG, you get:
- Pre-approval within 24–48 hours
- Access to 100% dozer finance for eligible clients
- Custom structures for balloon payments, seasonal income, or fleet upgrades
Unlike banks, we won’t drag it out. And
unlike dealer finance, we build finance around your needs – not the seller’s. With one dedicated broker, you’ll get straight answers and a fast outcome.
Q: What types of dozers can I finance?
We finance:
- Bulldozers of all sizes – compact, mid-range, and large track machines
- Swamp dozers, forestry spec, and landfill-ready units
- Brands like Caterpillar, Komatsu, John Deere, Case, and more
- Machines sourced through dealers, private sellers, or auctions
Whether you’re buying a new workhorse or upgrading a fleet veteran – we’ve got you covered.
Q: Can I finance a dozer from a private seller?
Yes. We frequently fund private sales. We’ll manage:
- PPSR checks and ownership validation
- Serial number and model verification
- Secure payment to the seller and optional third-party inspection
Private sales can offer sharp value – we’ll make sure the deal is safe and smooth.
Q: Do I need a deposit for dozer finance?
Not necessarily. We can arrange
100% finance for approved ABN holders with asset backing. If a deposit helps reduce the rate or improve structure, we’ll walk you through the numbers.
Q: What is Low Doc Dozer Finance?
It’s built for
time-poor, asset-backed operators. You may qualify using:
- BAS or bank statements
- ABN active >12 months
- Equipment ownership or previous loan conduct
No need for full tax returns – just real-world, no-fuss approvals.
Q: How much can I borrow for dozer finance?
We arrange funding from
$30,000 to over $1.5 million, depending on machine type, condition, and your trading profile. We also support clients financing
multiple dozers under one approval.
Q: What loan terms are available?
Most dozer loans run from
3 to 7 years, depending on:
- Machine age and resale value
- Desired balloon or residual setup
- Contract durations and site cycle
We’ll tailor the term to suit how long you plan to keep the gear and how it earns.
Q: Can I include extras or fit-outs in my dozer finance?
Yes. We can include:
- Rego, delivery, and compliance modifications
- Ripper packages, blade upgrades, mine-spec kits
- GPS systems or fleet management hardware
We’ll structure one loan that covers everything – so your machine is site-ready from day one.
Q: What is a balloon payment, and should I use one?
A
balloon payment is a final lump sum that reduces your monthly repayments. It can help you:
- Improve short-term cashflow
- Trade or upgrade earlier
- Manage seasonal income variations
At the end, you can refinance, sell the machine, or pay it out – whichever suits your business cycle.
Q: Can I refinance an existing dozer loan?
Yes. We regularly help operators:
- Refinance high-interest loans
- Consolidate repayments
- Unlock equity from owned machines
If your current deal isn’t working, we’ll build one that does.
Q: What interest rates can I expect for dozer finance?
Rates vary based on:
- Machine age, condition, and source
- Loan structure (balloon, deposit, term)
- Your credit profile and asset backing
We’ll compare
80+ lenders and negotiate the sharpest rate for your deal.
Q: Why not just go through the bank?
Banks don’t always understand plant and heavy machinery. You’ll deal with:
- Longer approval timelines
- Rigid loan structures
- Declines on older machines
At TYG, we work with lenders who actually fund dozers – and do it quickly.
Q: Why not finance through the dealer? Isn’t it easier?
Dealer finance often works in their favour, not yours. You’ll get:
- Limited lender choice
- Less flexibility on structure or term
- Higher backend commissions
With TYG,
you get one point of contact, a better rate, and a loan that fits your operation – not just the seller’s schedule.
Q: Can I make extra repayments or pay off early?
Yes. Most of our lenders allow
extra repayments and early payout. We’ll connect you with a lender that supports your preferred level of flexibility.
Q: What if I want to upgrade my dozer during the loan term?
Easy. We can:
- Refinance the remaining balance
- Roll into a new dozer finance facility
- Set up a top-up or trade-in structure
We’ll help you upgrade your equipment without slowing down your workflow.
Q: Why should I choose TYG Finance for agricultural machinery finance?
On the land, timing is everything – miss a window and you miss the season. At TYG, we understand farming cycles, machinery usage, and how to build
agricultural machinery finance that supports your operation, not disrupts it.
We deliver:
- Pre-approval within 24–48 hours
- Access to 100% finance for new and used ag machinery
- Seasonal repayment options tailored to your cashflow
You’ll deal with
one point of contact who understands rural finance and gets the job done – without back-and-forth or delays.
Q: What types of agricultural machinery can I finance?
We finance a wide range of farm equipment, including:
- Tractors, harvesters, headers, and balers
- Seeders, sprayers, ploughs, and rippers
- Grain handling, haymaking, and irrigation systems
- Silos, augers, ATV/UTVs, and fencing gear
Whether you’re buying new, second-hand, through auction, or from a neighbour – we’ll structure the right loan.
Q: Can I finance machinery from a private seller?
Absolutely. We’ll:
- Run PPSR checks and verify clear title
- Confirm serial numbers, spec, and operating condition
- Pay the seller directly and handle the settlement
Many of our rural clients buy through local contacts or clearance sales – we make it safe, fast, and simple.
Q: Do I need a deposit for ag machinery finance?
Not always. We regularly arrange
100% finance for asset-backed primary producers and ag businesses. If a deposit improves your rate or gives you more flexibility, we’ll explain the trade-offs and tailor the loan to your needs.
Q: What is Low Doc Ag Machinery Finance?
It’s perfect for
farmers and agribusiness operators who may not have up-to-date tax returns. We work with lenders who accept:
- BAS or business bank statements
- Asset ownership or previous loan history
- An ABN active for 12+ months
It’s quick, effective, and requires less paperwork.
Q: How much can I borrow for agricultural machinery?
We finance from
$15,000 to over $2 million, depending on the machinery, your asset position, and overall lending profile. If you’re upgrading multiple machines, we can also bundle purchases under one approval.
Q: What are my loan term options?
Most ag machinery finance terms run
3 to 7 years, but we also offer:
- Seasonal repayment structures
- Balloon options for machinery with strong resale value
- Annual, semi-annual, or harvest-based repayments
We’ll align your loan with how you earn.
Q: What is a balloon payment and is it right for ag machinery finance?
A
balloon payment is a deferred lump sum at the end of the loan. It can:
- Lower your monthly outgoings
- Free up working capital for cropping, feed, or off-season cashflow
- Fit neatly into planned trade-in or resale cycles
We’ll model the numbers to see if it fits your operation.
Q: Can I finance older or reconditioned farm machinery?
Yes. Many of our clients purchase well-maintained used gear at clearance or via auction. We work with lenders who are comfortable financing:
- 10–20+ year-old equipment
- Dealer-serviced or workshop-rebuilt units
- Privately sourced machinery with reliable history
Q: Can I include attachments or delivery costs in the loan?
Yes. We can finance:
- Front-end loaders, buckets, harrows, GPS systems
- Transport, rego, and installation
- Compliance or shed setup costs
Everything you need to get working – under one clean finance package.
Q: Can I make extra repayments or pay the loan out early?
Yes. Most of our rural-focused lenders allow:
- Early payout
- Extra repayments
- Restructure or top-up options mid-loan
We’ll select a lender that gives you the flexibility to manage your loan your way.
Q: What kind of interest rates should I expect?
Rates depend on:
- Age and type of equipment
- Whether you’re applying low-doc or full-doc
- Your credit history and asset base
We’ll compare lenders and lock in a
competitive rate that matches your risk profile and goals.
Q: Why not just use the bank?
Most banks:
- Are slow and inflexible with seasonal income
- Require full financials and additional guarantees
- Don’t understand the realities of rural purchases
We work with lenders who fund ag gear every day – and who respect your time and how you run your farm.
Q: What if I want to upgrade gear halfway through the loan?
No worries. We can:
- Trade in and roll over
- Refinance the residual or balloon
- Add new equipment under an existing approval
We’ll help you time upgrades around the season – not the loan calendar.
Low Documentation Loans FAQs
Q: Why should I choose TYG Finance for low doc loans?
TYG Finance specialises in helping
time-poor, asset-backed ABN holders access the funding they need – without getting buried in paperwork. Whether you’re self-employed, growing fast, or in between financial reporting periods, our low doc loan solutions are tailored to help you secure:
- Pre-approval within 24–48 hours
- Up to $500,000 or more without full tax returns
- Lenders who understand alternative income verification
You’ll work with
one dedicated broker who will structure the loan around your real-world trading position – not outdated paperwork.
Q: What is a low documentation (low doc) loan?
A low doc loan is a type of finance that doesn’t require full financials such as tax returns or accountant-prepared statements. Instead, it uses alternative documentation like business bank statements, BAS summaries, or a signed income declaration to verify your ability to repay. It’s designed for small business owners, contractors, or self-employed individuals who may not have up-to-date paperwork but are still in a strong financial position.
Q: Who qualifies for a low doc loan?
Low doc loans are suited for:
- Sole traders or business owners without full financials
- Contractors or gig workers with variable income
- Newly established businesses with strong cashflow but limited reporting
- Time-poor clients who don’t want delays caused by accountant paperwork
We assess eligibility on real-time trading performance, not just what’s on file.
Q: What types of assets or purchases can I finance under a low doc loan?
Low doc loans can be used to finance a variety of asset types and loan purposes, including:
- Commercial vehicles and equipment
- Machinery and trailers
- Business acquisitions or working capital
- Personal-use vehicles and lifestyle assets (for existing TYG clients)
We’ll match the loan to your needs – without overcomplicating it.
Q: What documents do I need to supply for a low doc loan?
The exact documents depend on the lender and the loan size, but generally you’ll need:
- 3–6 months of business bank statements
- Recent BAS statements, or
- An income declaration, signed and supported by trade history
In some cases, we can get pre-approval with even less – especially if you’re refinancing or purchasing under $150,000.
Q: How much can I borrow under a low doc structure?
For eligible applicants, we can arrange low doc loans from
$15,000 up to $500,000+. For larger facilities, we may need to layer in light-touch supporting documents or partial financials. Either way, we streamline the process and handle the lender communication on your behalf.
Q: Do I need to offer security for a low doc loan?
In many cases, the asset you’re purchasing (such as a vehicle or machinery) acts as the security. For higher-risk profiles or larger loan sizes, a property or other asset may be used to secure the loan, but
unsecured low doc options are also available depending on the lender.
Q: What industries do you commonly work with for low doc loans?
We’ve arranged low doc loans for clients across:
- Construction, civil and trades
- Transport and logistics
- Agriculture and primary production
- Consulting, healthcare, and professional services
- Mining and more
If you operate under an ABN and have clean conduct or asset backing, there’s a good chance we can help.
Q: Are the interest rates higher for low doc loans?
Not always. While some lenders apply a premium for low doc applications, we work with funders who offer
competitive rates – especially for clients with a clean track record. Rates are influenced more by your credit profile, asset age, loan size, and lender risk appetite than by documentation alone.
Q: What are the loan terms available?
Most low doc loans run from
2 to 7 years, depending on:
- The type of asset being financed
- Whether there’s a balloon payment
- The repayment schedule that fits your cashflow
We’ll structure the term around your budget and objectives.
Q: Can I refinance a full doc loan into a low doc one?
Yes, particularly if your business has grown but you’re not yet caught up on paperwork. We can refinance or consolidate loans under a low doc structure, potentially reducing your repayments or improving cashflow without requiring full tax returns.
Q: Can I make extra repayments or pay the loan out early?
Yes. Many of our lenders allow early repayments, lump sum contributions, or early payouts with minimal or no penalties. If flexibility matters to you, we’ll make sure that’s baked into the loan terms from day one.
Q: Why not go through my bank for a low doc loan?
Most banks don’t offer true low doc lending. They typically require full financials or won’t touch applications without tax returns, especially for equipment or vehicle purchases. At TYG, we work with specialist lenders who:
- Understand business cycles
- Trust verified trading performance
- Offer real flexibility for working clients
We get you funded faster, with less friction and more focus on outcomes.
Q: I’ve been declined elsewhere – can you still help?
In many cases, yes. We regularly secure approvals for clients who’ve been turned away due to missing financials, recent ATO activity, or short trading history. If the business is viable and the asset has value, we’ll fight to get it funded.
Q: Why should I choose TYG Finance for business acquisition finance?
Buying a business is a big move – and it requires a finance partner who can act quickly, structure deals smartly, and communicate clearly. At TYG, we provide
specialised business acquisition finance designed to support ABN holders, operators, and directors who are expanding their footprint.
We offer:
- Pre-approval within 24–48 hours
- Access to $50,000 to $2 million+ in funding
- Guidance on structuring, lender presentation, and documentation
Unlike banks, we understand real-world deals – whether you’re buying the whole business, shares, or just key assets. You’ll deal with
one experienced broker from start to finish who keeps the deal moving.
Q: What types of business purchases can you help finance?
We fund a wide range of acquisition scenarios including:
- Buying an existing business outright
- Partner buy-ins or management takeovers
- Franchise purchases
- Merging with or acquiring a competitor
- Regional expansion or new territory entry
Whether the deal includes goodwill, stock, vehicles, plant, or IP – we’ll structure finance that works.
Q: How much can I borrow for a business acquisition?
We regularly fund acquisitions from
$50,000 up to $2 million, with low-doc approvals available up to
$500,000. Larger transactions may involve staged releases, property security, or multiple lenders – but we manage all the moving parts.
Q: Do I need to provide a deposit for business acquisition finance?
Not always. If you have strong asset backing, we may be able to secure
100% finance. In many cases, buyers contribute
10–20% to improve loan structure and lender confidence. We’ll help assess your profile and recommend the best approach.
Q: What is Low Doc Business Acquisition Finance?
This option suits
established ABN holders who don’t have up-to-date financials but have:
- Solid repayment history
- BAS or business bank statements
- Strong personal asset backing
It’s ideal for time-sensitive acquisitions and removes delays caused by document gathering.
Q: What documentation do I need to apply?
For low-doc applications:
- BAS statements or bank summaries
- Brief business profile (the one you’re acquiring)
- Asset/liability statement
For full-doc deals, you may also need:
- Business sale contract or heads of agreement
- P&L or balance sheet of the target business
We’ll guide you based on the deal type and lender requirements.
Q: Can I finance goodwill or intangible assets too?
Yes. Many of our lenders will finance:
- Goodwill
- Client contracts
- Business IP or branding
- Online platforms or existing systems
We help you value the full picture – not just the physical assets.
Q: Can I include fit-out or setup costs in the finance?
Absolutely. We can bundle in:
- Fit-out, signage, and equipment
- Legal, accounting, or advisory fees
- Insurance and working capital top-ups
This gives you a complete acquisition budget in one structured facility.
Q: What loan terms are available?
Business acquisition loans typically range from
2 to 7 years, depending on:
- Deal size
- Deposit amount
- Whether there’s a balloon or residual
We’ll structure the repayments to align with your projected revenue and risk profile.
Q: What is a balloon payment and should I use one?
A
balloon payment is a final lump sum due at the end of the loan term. It can:
- Lower monthly repayments
- Preserve cashflow in the early phase of ownership
- Provide upgrade or exit flexibility down the line
It’s especially useful if you’re acquiring to flip, scale, or rebrand.
Q: Can I get pre-approved before finalising the deal?
Yes – and it’s highly recommended. Pre-approval gives you:
- Stronger negotiating power
- Faster contract execution
- Confidence around your funding limit
We can issue
conditional approval within 48 hours, so you don’t miss out on time-sensitive deals.
Q: Can you help me with the acquisition process itself?
Yes. We regularly assist with:
- Lender presentation packs
- Valuation strategies and cashflow modelling
- Working alongside your accountant or legal team
We’re not just finance – we’re part of your acquisition team.
Q: Why not just go through my bank for this?
Banks typically:
- Require full financials and business plans
- Take weeks to make decisions
- Decline deals involving goodwill or IP
We move fast, offer real-world flexibility, and work with lenders who understand M&A at the SME level.
Q: Can I refinance a business acquisition loan later on?
Definitely. Once your new business is trading under your ownership, we can:
- Refinance to a lower rate
- Extend the term
- Release equity for expansion or asset purchases
Q: What if I’m buying part of a business or shares – not the whole thing?
That’s fine. We can fund:
- Partial buy-ins or equity stake purchases
- Shareholder exits or management buyouts
- Acquisition of a particular division, location, or revenue stream
We’ll tailor the loan to reflect your percentage ownership and target structure.
Q: Why should I choose TYG Finance for business loans?
When you need working capital, timing and structure are everything. At TYG, we don’t just “get you a loan” – we help you secure the right facility, with the right lender, on terms that support your growth.
We specialise in fast, flexible
business loan solutions for asset-backed, time-poor operators across transport, construction, agriculture, and professional services. With access to over 80 lenders, we can structure:
- Secured or unsecured business loans
- Short-term or long-term facilities
- Pre-approval within 24–48 hours
You’ll have one dedicated broker who gets to know your business and guides you through every step – without delay or red tape.
Q: What can I use a business loan for?
Business loans are highly versatile and can be used for almost any commercial purpose, including:
- Paying suppliers, contractors, or ATO obligations
- Managing payroll or seasonal cashflow dips
- Purchasing inventory or materials
- Funding upgrades, expansions, or new product launches
We’ll help you match the loan structure to the need – so it works with your operational cycle, not against it.
Q: How much can I borrow with a business loan?
We arrange business loans from as little as $10,000 up to
$2 million+, depending on your cashflow, credit profile, and whether you’re offering security. Low-doc options are available up to around $500,000.
Q: Do I need full financials to apply?
Not always. If you’re applying under a low-doc structure, we can often get approvals using just:
- Recent BAS or business bank statements
- Summary of trading activity
- Basic asset and liability overview
We’ll guide you based on your lender match and loan size.
Q: What is Low Doc Business Loan Finance?
It’s designed for ABN holders who don’t have updated tax returns but still need fast access to funding. If you’ve got asset backing, clean conduct, or ongoing revenue – we can help you secure a facility without the usual paperwork headaches.
Q: What types of business loans do you offer?
We arrange both secured and unsecured loans:
- Secured business loans are backed by an asset (such as property or equipment) and typically come with lower interest rates and longer terms.
- Unsecured business loans are quicker to approve and don’t require security, but are usually limited to shorter terms and smaller amounts.
We’ll assess your needs and recommend what’s most appropriate for your situation.
Q: Can I get a business loan with bad credit?
In many cases, yes. We work with lenders who assess more than just your credit score. If your business is trading well, has asset backing, or recent stability – we can usually present a compelling case for approval, even if you’ve had issues in the past.
Q: What loan terms are available?
Business loans typically run from 3 months to 7 years. Short-term loans are ideal for fast, temporary capital injections, while longer terms support equipment purchases, renovations, or expansion. We’ll structure the term based on your purpose and repayment preference.
Q: Can I make extra repayments or pay out the loan early?
Yes, many lenders allow early repayment or lump sum contributions, although some may charge a small break fee. If flexibility is important to you, we’ll match you with lenders who support early repayment without penalties.
Q: What interest rates should I expect for business loans?
Rates vary widely based on:
- Secured vs unsecured structure
- Loan amount and term
- Business performance and credit history
We compare lenders across the market and negotiate the sharpest rates for your risk profile.
Q: Can I get a line of credit or revolving loan instead of a lump sum?
Yes. For clients who need ongoing access to funds without redrawing full applications each time, we can set up:
- A revolving line of credit
- A redraw facility or overdraft-style product
These are excellent options for businesses with uneven income, project-based cycles, or fluctuating costs.
Q: Why not just go to the bank for a business loan?
Banks are often:
- Slower to approve
- More rigid with credit policy
- Focused on historical financials rather than future opportunity
We work with lenders who can move quickly, accept alternate forms of documentation, and understand the realities of running a business in today’s economy.
Q: Can I refinance existing business loans?
Absolutely. We can:
- Consolidate multiple short-term loans into one facility
- Lower your repayments or extend your term
- Unlock equity to reinvest elsewhere
A quick review of your current loan setup could result in a significantly more efficient structure.
Q: What if I need the funds urgently?
We specialise in urgent funding. If you’re asset-backed or can supply basic bank data, we can often deliver same-day conditional approval and funding within 24–72 hours. Let us know the deadline – and we’ll hit it.
Q: Why should I choose TYG Finance for debtor or invoice finance?
If you’re constantly chasing payments while managing overheads,
debtor finance can free up your cashflow without taking on more debt. At TYG, we offer
invoice finance solutions tailored for businesses in transport, construction, recruitment, manufacturing, and other invoice-heavy industries.
We deliver:
- Access to 80–95% of invoice value within 24 hours
- Support for both full-ledger and selective invoice finance
- Customised facilities with flexible drawdowns
You’ll deal with
one experienced broker who’ll match you with the right lender – so you can focus on delivering work, not waiting to be paid.
Q: What is debtor or invoice finance?
It’s a cashflow facility that allows your business to
access funds from unpaid invoices – instead of waiting 30, 60, or 90 days for customers to pay. You submit invoices, and the lender releases a percentage of the value upfront. When your client pays, the remaining balance (minus fees) is forwarded to you.
Q: How much of my invoice value can I access?
Most facilities offer access to
80–95% of the invoice value upfront. The remaining balance, minus the lender’s fee, is paid once your customer settles the invoice.
Q: What’s the difference between invoice factoring and invoice discounting?
- Factoring is usually disclosed – your customer knows you’re using a finance provider, who may even handle collections.
- Invoice discounting is confidential – you maintain control of collections, and your customers deal only with you.
We’ll recommend the right approach based on your client base, industry, and need for discretion.
Q: Is debtor finance a loan?
No. It’s not a loan. Debtor finance is an
advance on money you’ve already earned – there’s no new debt, no long-term repayment schedule, and no interest charged on a lump sum. It grows with your sales – not your debt load.
Q: What industries is invoice finance best suited for?
It’s ideal for businesses that issue invoices on credit terms and have long payment cycles. Common industries include:
- Transport and logistics
- Labour hire and recruitment
- Civil and construction subcontractors
- Wholesale, distribution, and manufacturing
Q: Do I need to finance all of my invoices?
No. We can arrange:
- Full ledger finance (all invoices)
- Selective invoice finance (only specific invoices or clients)
This gives you full control over how and when you draw down on the facility.
Q: Can I use debtor finance if I have tax debt or poor credit?
Yes. Because the facility is secured against your invoices (not your credit file), it’s a popular option for businesses with ATO debts, cashflow stress, or limited access to traditional loans. Approval is based more on
your customers’ payment history than your own.
Q: What does debtor finance cost?
Costs vary based on:
- Invoice volume
- Client risk profile
- Whether the facility is disclosed or confidential
Fees are typically:
- A service fee (e.g. 0.5–3% of invoice value)
- A discount rate (similar to interest) on the advance
We’ll show you the full breakdown so you can make an informed decision.
Q: Can I get funding against overseas invoices or export contracts?
In most cases, no – debtor finance is generally used for domestic invoices issued to Australian clients. However, if you operate across borders with local entities, there may be specialist options available.
Q: What’s the minimum and maximum funding limit available?
Facilities typically start around
$50,000 and can extend to
$5 million+, depending on your debtor ledger and monthly turnover. We’ll tailor the limit to match your invoicing pattern and expected growth.
Q: How fast can I access funds?
Once the facility is in place, funds are usually released within
24 hours of submitting approved invoices. Setup can take
a few business days with the right documentation in place.
Q: Do I need to provide security or collateral?
Not in the traditional sense. Debtor finance is
secured against your receivables, not your property or equipment. Some lenders may ask for a director’s guarantee or general security over the business – but not all do.
Q: Why not just get a business loan instead?
Loans add debt to your balance sheet and require fixed repayments, whether or not you’ve been paid. Debtor finance:
- Grows with your revenue
- Doesn’t require regular repayments
- Unlocks cash from work you’ve already done
It’s a smarter, more flexible way to manage working capital if you’re growing fast or dealing with slow-paying customers.
Q: Can I repay the facility early or exit if I no longer need it?
Yes. Most facilities offer
exit flexibility, provided you give notice or clear the outstanding invoices. If you want a short-term facility or trial period, we can arrange one without long-term lock-ins.
Q: Can I combine debtor finance with other facilities like overdrafts or equipment loans?
Yes. Debtor finance can run alongside other facilities as long as there’s no conflicting security. We’ll review your existing structure and make sure everything fits cleanly.
Q: Why should I choose TYG Finance for bank overdraft-style facilities?
Cashflow interruptions are part of doing business – but staying ready for them is what keeps your operations running. TYG offers flexible
overdraft-style finance solutions that give you working capital when you need it, without locking you into fixed-term loans.
We provide:
- Fast setup (often within 3–5 business days)
- Access to revolving limits from $20K to $750K+
- Structured approvals through alternative lenders who move faster than the banks
You’ll work with
one dedicated broker who understands your cash cycle, not a call centre or rotating credit team.
Q: What is an overdraft facility and how does it work?
It’s a revolving line of credit linked to your business account. You can
draw down funds as needed, up to an approved limit, and only pay interest on the amount used. There are no fixed repayments unless the balance is active – giving you
flexibility when cashflow is tight and zero cost when it’s not.
Q: How much can I borrow with an overdraft facility?
Facilities generally range from
$20,000 to over $750,000, depending on your trading history, cashflow, and whether the facility is secured or unsecured. We’ll assess your needs and recommend a limit that supports your working capital – not overwhelms it.
Q: Is this different from a bank overdraft?
Yes. Traditional bank overdrafts:
- Take weeks to approve
- Require detailed financials and security
- Are often tied to your main business bank
Our facilities are offered by
non-bank lenders with faster processes,
less documentation, and greater flexibility.
Q: What is the approval process like?
Fast and straightforward. For unsecured facilities up to $250K, we may only need:
- 3–6 months of business bank statements
- BAS returns or trading summary
- Basic director profile or asset position
Secured facilities or higher limits may require additional documents, but we’ll manage the process for you.
Q: Do I need to offer property as security?
Not always. Many lenders offer
unsecured overdraft-style loans based on your revenue and cashflow history. For larger limits or sharper pricing, you may choose to offer property or asset security – but it’s not required in every case.
Q: Can I get approved if I already have a business loan or line of credit?
Yes. As long as your current facilities aren’t in arrears and there’s no conflict with existing lender securities, we can approve an overdraft facility alongside other funding.
Q: Can I use this to cover short-term issues like BAS, wages, or supplier delays?
Absolutely. These facilities are perfect for:
- ATO payments
- Payroll shortfalls
- Unpaid invoices or late client payments
- Seasonal lulls or project gaps
It’s your flexible financial buffer when you need to bridge timing mismatches.
Q: What are the fees or costs involved?
Costs typically include:
- Interest on funds drawn only
- A possible line fee or unused limit fee (depending on lender)
- Minimal or no upfront fees for setup
We’ll give you a full cost comparison before proceeding – no surprises or hidden charges.
Q: Can I pay the balance off early or increase the limit later?
Yes. These facilities are designed to flex with your business. You can:
- Clear the balance and stop interest any time
- Request a top-up or limit increase as your business grows
- Cancel the facility with minimal notice or penalty
Q: Can I use this instead of a business credit card?
Yes – and in many cases, it’s a better option. Unlike credit cards, overdraft-style facilities:
- Can be linked to your main operating account
- Don’t attract high consumer-style interest rates
- Are easier to manage for high-volume, working capital needs
Q: Why not just apply through my bank?
Banks often require:
- Full tax returns and financials
- Property security or long trading history
- Lengthy assessment timeframes
At TYG, we offer
faster, more flexible options through lenders who assess real-time bank data and move within days – not weeks.
Q: Can I switch from my existing overdraft facility?
Yes. We can help you:
- Refinance to a better rate
- Increase your limit
- Move to a lender that’s more responsive to your current needs
Q: What industries commonly use these facilities?
Overdraft-style funding is popular in:
- Transport and logistics
- Construction and trade-based businesses
- Mining
- Agriculture and more
If you invoice clients, manage projects, or carry payroll – it’s a smart way to stay liquid.
Personal Vehicle Finance FAQs
Q: Why should I choose TYG Finance for personal vehicle finance?
At TYG, we provide
personal vehicle finance tailored specifically for our existing business clients. This means you’re working with a team that already understands your financial background, how you operate, and what matters most to you. Whether you’re financing your daily driver, a second vehicle for the household, or something a little more luxurious – we’ll structure the loan to suit your goals, lifestyle, and cashflow.
You’ll benefit from:
- Faster approvals
- Sharper rates through our broad lender network
- A dedicated broker who handles everything from start to finish
No dealership pressure. No slow-moving bank processes. Just smart, efficient finance that fits you.
Q: What types of vehicles can I finance for personal use?
We can help you finance most types of cars intended for personal use – everything from practical hatchbacks and family SUVs to high-end sedans and 4WDs. Whether the vehicle is new or used, purchased from a dealership, private seller, or auction, we’ll match the right lender and structure the loan around your needs.
Q: Can I finance a vehicle from a private seller?
Yes. If you’ve found a great car through a private listing, we’ll help protect your purchase by handling the compliance checks, verifying ownership and condition, and making payment directly to the seller. It’s a smooth and safe way to buy without going through a dealership.
Q: Do I need to contribute a deposit?
Not always. For many applicants, we can arrange
100% finance, meaning no upfront payment is required. If contributing a deposit helps you secure a sharper interest rate or lower monthly repayments, we’ll present that option clearly so you can make the best choice.
Q: What is Low Doc Car Finance and how does it work?
Low-doc finance is ideal for those who don’t have full financials on hand. If you’re self-employed or time-poor, we can often secure approval using BAS summaries, bank statements, or other verified income sources. PAYG applicants can usually be approved with a few recent payslips. It’s a streamlined process that avoids delays and helps you get on the road faster.
Q: What loan terms are available for personal car finance?
Loan terms typically range between
3 and 7 years. The best term depends on how long you intend to keep the vehicle and what your ideal monthly repayment looks like. We’ll talk you through different options and show how each structure affects your total interest paid and overall flexibility.
Q: Can I include rego, insurance, or extras in the loan?
Yes. We can bundle:
- Stamp duty and registration
- Comprehensive insurance
- Accessories like tinting, protection packages, or extended warranties
This allows you to drive away with everything covered – under one monthly repayment.
Q: What’s a balloon payment and should I consider one?
A balloon payment is a lump sum payable at the end of your loan. It reduces your regular repayments and can be a useful strategy if you plan to sell or upgrade the car after a few years. However, you’ll need a plan for how to pay or refinance the balloon when the time comes. We’ll help you weigh the pros and cons based on your goals.
Q: Why not just use dealership finance? Isn’t it faster?
Dealer finance is often more expensive and less flexible. It may include:
- Hidden fees or inflated interest rates
- Limited lender options
- Inflexible repayment terms
With TYG, we compare offers from a broad lender panel and structure a loan that serves
you, not the dealership’s bottom line.
Q: Can I finance a second-hand vehicle?
Yes. We frequently finance well-maintained used vehicles, including those sourced from private sellers. While older vehicles may have slightly shorter loan terms or require specific lender matching, we’ll walk you through your options and make sure the numbers stack up.
Q: Can I pay off the loan early or make extra repayments?
In many cases, yes. Several of our lenders allow early payouts or lump sum repayments with minimal or no penalties. If flexibility is important to you, we’ll help you select a loan that allows you to reduce interest costs and clear the loan faster if your situation allows.
Q: How much can I borrow for a personal car loan?
Loan sizes typically range from
$7,000 to $250,000, depending on the vehicle’s value and your financial profile. For asset-backed clients with a strong credit history, we can often secure the higher end of that range – even without a deposit.
Q: I’ve already received a quote from a dealer – can you beat it?
Most likely. Dealer finance tends to prioritise convenience over cost. We’ll compare your quote across our full lender panel and often present you with a more competitive rate, more flexible structure, or both. There’s no obligation – just an honest review to help you make an informed choice.
Q: Can I refinance an existing car loan?
Yes. If your current loan is at a higher rate, or your financial situation has improved, refinancing can lower your repayments or help you pay off the loan sooner. We’ll assess your existing setup and show you if there’s value in making a change.
Q: What if I want to upgrade or change vehicles before the loan ends?
That’s no problem. We can help you trade in the vehicle, refinance any remaining balance, and structure a new loan for your next car. It’s a common scenario, and we’ll make the transition as smooth and cost-effective as possible.
Q: Why should I choose TYG Finance for caravan finance?
Whether you’re chasing weekends away, travelling full-time, or planning a lap of Australia – your caravan is more than a purchase, it’s a lifestyle investment. At TYG, we help
existing clients finance the right caravan with the right structure, ensuring you don’t overpay in interest or get stuck with rigid loan terms.
We provide:
- Pre-approval within 24–48 hours
- Flexible loan terms suited to your travel plans
- Low-doc finance options for PAYG or self-employed applicants
You’ll deal with
one broker who knows your financial profile, so the process is smoother and smarter – no need to start from scratch.
Q: What types of caravans can I finance?
We finance a wide variety of recreational vehicles, including:
- Caravans and camper trailers
- Pop-tops, hybrid off-road vans, and fifth-wheelers
- Motorhomes and toy hauler
New or used, dealer-sold or private sale – we’ll structure the loan to match your intended usage and budget.
Q: Can I finance a caravan from a private seller?
Absolutely. Buying privately is common in the caravan market. We’ll verify ownership through PPSR checks, confirm compliance and condition, and pay the seller directly once everything checks out. We’ll also help you arrange an inspection if needed.
Q: Do I need a deposit to finance a caravan?
Not necessarily. Many of our lenders offer
100% caravan finance to approved clients, particularly those with strong repayment history or asset backing. If a deposit helps reduce your repayments or interest rate, we’ll explain your options clearly.
Q: How much can I borrow for caravan finance?
We arrange caravan loans from
$10,000 to over $250,000, depending on your income, the van’s value, and your credit profile. If you’ve got a strong financial position, we can often secure approval without full financials.
Q: What is Low Doc Caravan Finance?
Low-doc caravan finance is perfect if you don’t have updated tax returns or detailed financials ready. You may qualify using:
- Payslips (if PAYG)
- BAS or bank statements (if self-employed)
- Clean asset or loan history
It’s a fast, streamlined option that removes unnecessary paperwork delays.
Q: What loan terms are available?
Most caravan finance terms range from
3 to 7 years, but we’ll help you select a term that balances monthly affordability with interest savings over time. If you’re planning to upgrade or sell within a few years, we can factor that into the loan structure.
Q: What is a balloon payment, and should I use one for caravan finance?
A
balloon payment is a lump sum due at the end of the loan. It reduces your regular repayments and can be useful if:
- You plan to upgrade your van every few years
- You want to keep cashflow lean early on
- You’re managing multiple personal or business expenses
We’ll show you how a balloon affects the total cost so you can decide if it aligns with your financial goals.
Q: Can I include rego, insurance, or accessories in the loan?
Yes. We can package additional costs into the loan, including:
- Stamp duty, registration, and dealer delivery fees
- Comprehensive insurance
- Solar setups, annexes, or suspension upgrades
This allows you to roll everything into one manageable monthly repayment.
Q: Can I finance a used or older caravan?
Yes, provided the van is in good condition and roadworthy. Most lenders are comfortable financing caravans up to
15–20 years old at the time of purchase. We’ll confirm lender acceptance based on the make, model, and build date.
Q: What if I want to upgrade before the loan ends?
We can help you:
- Trade in the caravan and refinance the residual
- Settle the existing loan and arrange a new one for the replacement
- Roll any equity into your next purchase
Upgrades are common – we’ll structure the deal to make the switch smooth and stress-free.
Q: Can I make extra repayments or pay out early?
Yes. Several of our lenders support early payout or additional repayments without penalty. If flexibility is important to you, we’ll make sure you’re matched with a lender that allows you to manage your loan on your terms.
Q: What interest rates can I expect?
Rates depend on:
- Whether the caravan is new or used
- Your credit profile and financial stability
- The loan structure (deposit, balloon, term)
We compare options from a wide lender panel to secure a competitive rate and transparent terms.
Q: I got a loan quote from a dealership – can you beat it?
Most likely. Dealership finance often includes backend commissions and limited lender options. We can assess your quote and often offer:
- A sharper rate
- Better flexibility on early repayment
- A more transparent loan structure
There’s no obligation – just a better-informed decision.
Q: Why should I choose TYG Finance for boat finance?
Whether you’re purchasing a fishing boat, luxury cruiser, or jet ski, TYG helps you finance it quickly, smartly, and with care. We offer
personal boat finance exclusively to existing clients – so you’re not starting from scratch with someone who doesn’t know your financial position.
Our approach gives you:
- Pre-approval within 24–48 hours
- Access to 100% boat finance
- A single point of contact who understands your goals
We structure your loan around how and when you’ll use the boat – not just what’s easiest for the lender.
Q: What types of boats can I finance?
We finance a wide range of personal and recreational watercraft including:
- Fishing boats, bowriders, and runabouts
- Cabin cruisers, dayboats, and ski boats
- Yachts and catamarans
- Jet skis and personal watercraft
Whether new, used, trailerable, or moored – we’ll find the right lender and structure to suit.
Q: Can I finance a boat from a private seller?
Absolutely. Buying privately is common in the marine space. We’ll assist with:
- PPSR checks and ownership validation
- HIN and registration confirmation
- Secure payment to the seller
We’ll also help arrange a third-party inspection if needed, so you buy with confidence.
Q: Do I need a deposit for boat finance?
In many cases, no. We often secure
100% boat finance for clients with strong credit or asset backing. Where a deposit helps improve the loan terms, we’ll show you both options so you can choose what fits.
Q: How much can I borrow for boat finance?
Loan amounts generally range from
$10,000 to $500,000+, depending on the vessel’s type, age, and your overall financial profile. If you’re financing a higher-end vessel, we can assist with specialised marine lenders and documentation.
Q: What is Low Doc Boat Finance?
Low-doc finance allows you to get approved with limited paperwork. If you’re a PAYG client, you may only need a couple of payslips. If you’re self-employed, BAS or business bank statements may be sufficient. It’s an ideal option for busy individuals who want to avoid lengthy paperwork and get things moving quickly.
Q: What loan terms are available?
Terms typically range from
3 to 7 years, depending on the boat’s age and intended usage. We’ll help you select a term that keeps repayments affordable while also minimising interest over time.
Q: Can I include rego, insurance, or accessories in the loan?
Yes. We can bundle in:
- Boat registration and trailer rego
- Comprehensive marine insurance
- Electronics, safety gear, or aftermarket upgrades
It’s a great way to finance a turn-key setup with no upfront out-of-pocket costs.
Q: What is a balloon payment and should I consider one for boat finance?
A
balloon payment is a lump sum due at the end of the loan term. It lowers your monthly repayments and can be helpful if:
- You plan to sell or upgrade the boat after a few years
- You want to keep initial repayments lower while maintaining flexibility
We’ll help you decide whether a balloon suits your cashflow and long-term plans.
Q: Can I finance a second-hand or imported boat?
Yes. We can finance well-maintained second-hand boats, including those sourced privately or imported through a broker. Imported boats must meet Australian compliance standards, but we’ll guide you through the process and confirm eligibility.
Q: Can I make early repayments or pay off the loan ahead of schedule?
Yes. Many of our lenders allow early payouts or additional repayments with minimal or no fees. If financial flexibility matters to you, we’ll prioritise lenders that support that structure.
Q: What interest rates can I expect for boat finance?
Rates are influenced by:
- The boat’s type, age, and purchase source
- Your credit profile, deposit, and loan structure
- The level of documentation you can provide
We compare offers across our lender panel to secure a competitive rate based on your personal circumstances.
Q: I received a quote from the dealer – can you beat it?
In most cases, yes. Dealer finance often includes hidden fees or higher backend commissions. We’ll review your quote, explain any differences, and help you secure a better structure with fewer surprises.
Q: What happens if I want to upgrade or sell the boat early?
You’ve got options. We can:
- Refinance the remaining balance into a new loan
- Payout the loan early and help you finance a replacement
- Structure your next loan with improved terms based on repayment histor
We’ll help you make the transition as seamless and cost-effective as possible.
Q: Why should I choose TYG Finance for horse float finance?
At TYG, we understand that for horse owners and transporters, a float isn’t just a vehicle – it’s an essential part of your operation, lifestyle, or livelihood. Whether you’re transporting horses for competition, breeding, agistment, or recreation, we provide
horse float finance that’s structured to suit the way you travel.
As an existing TYG client, you’ll benefit from:
- Pre-approval within 24–48 hours
- Access to 100% finance for eligible applicants
- A single broker who handles everything – start to finish
We make sure your float finance is not only fast, but flexible, so you can focus on your horses, not your paperwork.
Q: What types of horse floats can I finance?
We finance a wide range of new and used horse floats, including:
- Standard two-horse straight or angle load floats
- Custom-built or extended-height floats
- Goosenecks, tag-alongs, and living quarters floats
- Models with living compartments, tack storage, or refrigeration
Dealer or private sale, basic or luxury spec – we’ll match the lender and structure to your exact needs.
Q: Can I finance a float from a private seller?
Yes. We help clients finance floats purchased privately all the time. We’ll verify the seller’s ownership, ensure the float is roadworthy, manage PPSR and compliance checks, and organise secure payment. You stay protected throughout the entire process.
Q: Do I need a deposit?
Not always. If you have a good repayment history or stable financial profile, we can often arrange
100% horse float finance with no upfront contribution. Where a deposit makes sense – either to improve approval or lower repayments – we’ll structure it accordingly and talk you through the benefits.
Q: What is Low Doc Horse Float Finance?
Low-doc finance is perfect if you’re asset-backed but don’t have up-to-date tax returns or financials. You may be eligible for approval using:
- Recent bank or BAS statements
- Employment or business income verification
- Previous lending conduct
It’s a streamlined path to approval without the heavy paperwork.
Q: What loan terms are available?
Most float finance terms range between
3 to 7 years, depending on the age of the float, purchase price, and your repayment goals. We’ll walk you through several options and help you find the ideal term based on usage and budget.
Q: Can I finance extras like float fit-outs or customisation?
Yes. We can include:
- Storage upgrades, tack boxes, cameras, and living quarters
- Float accessories like awnings, solar, or portable yards
- Signage, paint, or mechanical upgrades
Your finance can cover everything required to get you road-ready, show-ready, or paddock-to-track prepared.
Q: What is a balloon payment and is it suitable for horse float finance?
A
balloon payment is a lump sum at the end of the loan term. It lowers your monthly repayments and is often used when clients plan to upgrade, refinance, or sell the float in a few years. We’ll model the structure and help you decide if it makes sense for your plans.
Q: Can I finance a second-hand float?
Absolutely. Many quality floats are sold privately or through breeders, clubs, or float builders. We can finance older or pre-owned floats, depending on the condition, value, and safety of the unit. If needed, we’ll arrange an inspection to confirm suitability.
Q: How much can I borrow for a horse float?
Loans typically range from
$10,000 up to $150,000, depending on the float’s value and your financial profile. Whether you’re purchasing a standard angle load or a fully kitted-out gooseneck, we’ll help structure the right finance for the asset and your goals.
Q: Can I include insurance or registration in the finance?
Yes. We can package in:
- Comprehensive float insurance
- Stamp duty, rego, and dealer delivery costs
- Warranties or servicing plans
This means fewer upfront expenses and one manageable monthly repayment.
Q: Can I make extra repayments or pay the loan off early?
Yes. Many of our lenders allow early repayments or payout options with little or no penalty. If managing debt proactively is important to you, we’ll match you with a lender that gives you that flexibility.
Q: Why not just use bank or dealer finance for my float?
Banks often require extensive paperwork and aren’t familiar with float values, which can lead to long delays or rejections. Dealer finance may be convenient, but often comes with higher rates and limited flexibility. At TYG, we work across multiple lenders and negotiate:
- Better structures tailored to equestrian clients
- Faster approvals with fewer conditions
- Support for custom and private sales
You’ll have one point of contact the entire way – no confusion, no handballing.
Q: I got a finance quote elsewhere – can you beat it?
In most cases, yes. We’re happy to assess your existing quote and offer a side-by-side comparison. Whether it’s rate, repayment flexibility, or bundled costs – we’ll help you make a smarter choice.
Q: What happens if I want to upgrade or sell the float later on?
We’ll help you refinance or trade in mid-loan if needed. Whether you’re moving to a larger float or downsizing, we can:
- Refinance the residual
- Roll over into a new loan
- Structure the next deal based on your updated needs
You focus on what’s best for your horses – we’ll handle the finance.
