Fleet finance funds two or more business vehicles under one arrangement, from adding a second ute to financing a delivery, service or transport fleet. Alpha390 Finance is a Brisbane-based finance broker specialising in vehicle and equipment finance, so we compare options for your business instead of offering a single product. Fleet finance options include:
At Alpha390 Finance, we understand the complexities of managing a fleet and simplify the financing process. Whether you are expanding your fleet or upgrading your vehicles, our team compares flexible finance options to suit your business goals. Fast approval is available for eligible applicants.
Talk to a fleet finance specialist on 1300 390 390, or request a callback and we will get back to you.
With Alpha390 Finance, you can easily navigate the complexities of fleet financing. We provide a range of tailored solutions designed to meet the diverse needs of your business fleet. Whether you're looking to finance a single luxury vehicle or a fleet of trucks, we have the expertise and options to support your goals.
Ideal for businesses that may not have the traditional financial documentation ready, these loans simplify the application process, making it faster and more accessible.
These tailored financing options for high-end vehicles that represent both comfort and status ensure your executive fleet meets the highest standards.
Whether for tourism, school or public transportation, our financing solutions help you acquire buses and coaches to expand or upgrade your fleet.
Secure financing for rigid trucks, which are essential for distribution, construction or freight services, with competitive terms.
This is a specialised financial solution for prime movers, critical for logistics and long-haul transportation.
Our comprehensive loan options cover all types of trucks, from light commercial vehicles to heavy trucks used in various industries.
Alpha390 Finance provides flexible fleet finance solutions designed around your operational efficiency and cash flow. With dedicated support and a broker comparison of lenders and structures, we help align your fleet finance with your business objectives.
Our fleet finance options are crafted to reduce your overall vehicle ownership costs, enhancing your bottom line.
Adapt your finance terms to suit your business cycle and budgetary requirements, with terms ranging from 12 to 60 months.
Receive personalised service from our fleet finance specialists who understand the nuances of fleet management.
Financing with us means you can keep your fleet modern and efficient, with access to the latest vehicle models.
From initial consultation to finalising the finance, we manage every aspect of the process for a hassle-free experience.
Our years of experience in fleet finance mean expert advice and solutions that are proven to work.
We tailor every aspect of our finance packages to meet the unique challenges and goals of your business.
Our dedicated team provides continuous support and ensures all your queries and concerns are addressed promptly.
Stay ahead of the competition with our innovative financing strategies that cater to evolving business landscapes.
Leverage our network of vehicle suppliers and lenders to access competitive deals and services for your fleet.
Alpha390 Finance is equipped to handle your fleet finance needs. Operating in Brisbane, the Gold Coast, Sunshine Coast and surrounding areas, we dedicate ourselves to offering finance solutions tailored for businesses and individuals managing multiple vehicles or commercial fleets.
Contact Alpha390 Finance to discuss your fleet finance options and optimise your business operations. Call us at 1300 390 390 or visit our Contact Us page to get started on streamlining your fleet management efficiently and affordably.
Fleet finance is for businesses financing two or more vehicles under one arrangement. If you only need to fund a single business vehicle, our business car finance page is the better fit.
| Fleet finance | Business car finance | |
|---|---|---|
| Best for | Two or more vehicles / mixed fleet | A single business vehicle |
| Typical structure | Consolidated facility across multiple assets | Chattel mortgage, CHP or lease on one asset |
| Management | One facility, fleet-level reporting | Per-vehicle contract |
| Who it suits | Growing trades, sales teams, service fleets | Sole traders and single-vehicle needs |
| GST & tax | Business-use apportionment applies | Business-use apportionment applies |
The right structure depends on whether you want to own the vehicles, how you plan to use them and how you want cash flow to work. Alpha390 compares the main options for you:
| Chattel mortgage | Hire purchase | Finance lease | |
|---|---|---|---|
| Ownership | Your business owns the vehicle from the start, with the lender holding security | The finance company owns the vehicle until the final payment, then ownership transfers to you | The lender owns the vehicle and your business pays to use it |
| End of term | Pay off the balance or a balloon, then keep the vehicle | Make the final payment and own the vehicle | Options typically include returning, refinancing or buying the vehicle at its residual value |
| Balloon or residual | Optional balloon to lower repayments | Balloon may be available | Residual value set at the start |
| Often suits | Businesses that want to own and keep their vehicles | Businesses that want to own at the end of the term | Businesses that regularly replace vehicles |
Structure, GST and tax treatment depend on your business, so confirm the detail with your accountant. Planning a balloon? Try our balloon payment calculator.
Fleet finance suits growing trades, sales teams, delivery and service fleets and businesses replacing vehicles on a cycle. It works from the first additional vehicle through to larger multi-vehicle fleets, and whether you buy from a dealer or a private seller, subject to lender criteria. Not sure what counts as a fleet? Read fleet cars for small business. Financing a single vehicle? See business car finance. Heavy vehicles? See truck fleet loans.
Low-doc options may be available for eligible businesses without full financials. Requirements vary by lender and the vehicles involved. See also business car loan requirements.
Apply for fleet finance or call 1300 390 390.
What is fleet finance? Fleet finance is a facility that funds multiple business vehicles under one arrangement, simplifying management and reporting across the fleet.
How is it different from business car finance? Business car finance funds a single vehicle; fleet finance is structured for two or more vehicles, often with consolidated terms.
How many vehicles make a fleet? It varies by lender, but fleet arrangements typically start at two or more vehicles; some lenders set higher thresholds.
Can I mix cars, utes and trucks in one fleet? Often yes – many fleet facilities can combine vehicle types, subject to lender criteria.
Is fleet finance tax-deductible? Business-use portions may be deductible. This is general information only, not tax advice – confirm with your accountant.
Which fleet finance structure is best: chattel mortgage, hire purchase or lease? It depends on whether you want to own the vehicles, how you want to handle the end of the term and your cash flow. We compare the structures for your situation and recommend the best fit. Confirm tax and GST treatment with your accountant.
How quickly can I get fleet finance approved? Fast approval is available for eligible applicants, and having your documents ready helps. Timing depends on the lender, the vehicles and your business details, so we will tell you what to expect once we have reviewed your situation.
Do I need full financials to apply? Not always. Low-doc options may be available for eligible businesses, and we will explain what documents suit your situation. Requirements vary by lender.
Can I finance new and used vehicles in the same fleet? Often yes. Many lenders will finance a mix of new and used vehicles, subject to vehicle age, type and lender criteria.
Can I add vehicles to my fleet later? Yes, many businesses add vehicles as they grow. We can arrange finance for each additional vehicle or compare restructuring options as your fleet changes, subject to lender approval.
General information only and not credit or financial advice. Alpha390 operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Lending is subject to approval, criteria, terms, conditions and fees.
