What We Finance
Insurance
Calculators
What We Finance
Insurance
Calculators
Broker of The Year
2021 & 2022
5 Star Rating
From 364+ Customers
Business vehicle finance lets you acquire a car, ute, van, truck, or commercial fleet vehicle without tying up your working capital. Instead of paying the full purchase price upfront, you spread the cost across manageable repayments over an agreed term. The vehicle is used as security, which typically means better rates than an unsecured business loan.
At Rostron Finance, we arrange business car finance across a wide range of structures. Whether you're a sole trader buying your first work ute or a growing SME expanding a commercial fleet, our brokers match the right loan type to your business situation.
p.a. starting from. Subject to credit assessment and lender criteria.
The most common structure for business car finance in NZ. Your business owns the vehicle from day one, with the asset used as security. You may be able to claim GST upfront, depreciate the asset, and deduct interest costs through your business.
Most Popular
Borrow to use the vehicle throughout the loan term, with ownership transferring to your business at the end once all repayments are complete. A solid option for businesses that prefer ownership but want structured repayments with clear end-of-term terms.
Clear Ownership Path
Your business uses the vehicle for an agreed period and makes regular lease payments. At the end of the term you can purchase, return, or re-lease. A useful structure for businesses wanting to keep vehicles off the balance sheet or regularly refresh their fleet.
Fleet Friendly
Already have a commercial vehicle loan that isn't working for you? Rostron Finance can help you refinance existing business vehicle loans to a better rate, a lower repayment, or a structure that suits your current cash flow better. Worth reviewing if your loan is more than 12 months old.
Better Your Rate
Plumbers, electricians, builders. Finance your work ute or van with repayments that suit your cash flow.
Sales reps, consultants, and service businesses that need a reliable car for business use.
Expanding a fleet? We arrange commercial vehicle finance for vans, trucks, and multi-vehicle fleets.
Delivery vehicles, mobile businesses, and service vehicles financed to keep your operations moving
Utes, farm vehicles, and commercial transport funded with structures that fit seasonal income.
Self-employed? We work with lenders who understand contractor income and business car loan applications.
One of the key reasons businesses choose a business car loan over a personal loan is the potential tax benefit. Depending on your business structure and how the vehicle is used, you may be able to claim:
Tax treatment varies depending on your business structure, IRD rules, and how the vehicle is used. Speak to your accountant to confirm what applies to your situation.
Instant Finance Pre-Approval with no impact on your credit score.
Quick Calculator
Instantly calculate your loan options with our smart online calculator
Real Quote
Instant Finance Pre-Approval with no impact on your credit score.
Instant Preapproval
Our powerful lender matching engine will match you with suitable lenders.
Apply to Lender
The fastest ever finance experience! Rostron’s Quick Apply supports direct-to-lender submissions
Business vehicle finance at Rostron covers a wide range of assets. If your business uses it to generate income, we can likely help you finance it
When you go directly to a bank for a commercial vehicle loan, you get one offer. When you come to Rostron Finance, our brokers compare 75+ lenders across New Zealand and Australia so you get the best available rate for your situation.
Two-time Broker of the Year. 364+ five-star reviews. An extensive lender network and brokers who genuinely know business finance.
We work with an extensive panel of banks, specialist lenders, and credit providers. More lenders means more competition, which means better rates for your business.
Our brokers specialise in commercial lending. They understand the difference between a chattel mortgage and a finance lease, and they know which lender suits which type of business.
Rostron Finance was named Broker of the Year in 2021 and 2022. Our 5-star rating from 364+ customers reflects the service we put into every business vehicle loan application.
Our Quick Apply technology supports direct-to-lender submission, meaning you get faster approvals and faster access to the vehicle your business needs.
We also arrange comprehensive insurance, shortfall gap cover, loan protection, and extended warranty for your business vehicle so everything is handled in one place.
Get instant pre-approval and see your real options without it touching your credit file. Only a full lender application affects your credit score.
It’s kinda hard not to love us
“Rostron helped throughout the whole process of financing my car and also helped with insurance.”
Hannah Clare
“I had the confidence I was getting the best deal. Rostron provided a really simple & smooth process”
Ryan Lee, Kerdic Homes Pty Ltd
Our experience with ROSTRON has been incredible!
This is the first time I have used any external finance broker for any sort of loan. I was always skeptical of using external companies and always preferred to deal directly with banks. But I can definitely say Rostron Finance...
Exceptional Service at Rostron Finance!
Massive thank you to Alexander! The customer service through the entire process of buying a new car has been incredible. Alexander was open, honest and so helpful, you felt like he was going above and beyond to help you. You didn’t feel like just another sale, like how some dealerships make you feel. Honestly ask for Alexander to help you with your finance!
Navigating Financial Solutions with Rostron!
Thank you Hamish from Rostron for absolutely amazing customer service and wealth of knowledge in sorting out our business car loan. Exceptionally fast responses to all our inquiries, attention to detail in preparing our documents, very knowledgeable approach. We dealt with Rostron Finance few times now and each time service exceeds our expectations.
A Five-Star Experience with Rostron's Professional Team!
I had a fantastic experience with Hamish in sorting out my loan for my car. Every question I could think of had an answer, if I had an alternate suggestion, he would hear me out and we would work from there.
Legitimately, I can't sing his praises high enough, and by extension, the company as well.
Exceptional Solutions at Rostron Finance!
I found Rostron Finance via a random google search and it had me intrigued as to why so many great customer experiences (especially with a person named Harrison). Funnily enough, my contact WAS Harrison and from my first contact with him it gave me insight as to why all the brilliant reviews. I can easily say that Harrison's service, attitude, knowledge, expertise and genuine time is first class. Although we didn't get the result we wanted, Harrison went above and beyond. It made the whole experience just that better.
Thank you Harrison, you are a gem!
Top Notch Service with Rostron Finance!
Excellent service from Rostron! Patrick was super helpful and very efficient. From the initial application through to settlement, which only took a couple of days, Patrick was great to deal with. Highly recommend!
With our comprehensive insurance cover, peace of mind is just a policy away.
Comprehensive insurance, refers to a comprehensive coverage policy that offers extensive protection across various domains. It is a type of insurance designed to provide all-encompassing financial security in specific areas, such as health, property, or business. Comprehensive insurance typically covers a wide range of risks and scenarios, ensuring policyholders are well-prepared for unexpected events and potential losses.
Shortfall Gap Cover (Also known as GAP) covers you in the event that your vehicle is written off. Gap cover is recommended for anyone that is financing a large portion, if not all, of their vehicle and is taking out comprehensive insurance. Speak to one of our Rostron Finance specialists about the different covers, exclusions and maximum claim limits before making a decision if this is right for you.
Protect yourself from missing a payment and damaging your credit history. We understand that taking out a new loan can be a big commitment for some people and if something was to happen to you it could put you into financial hardship. Speak to one of our Rostron Finance specialists about Loan protection today.
Navigate the roads with confidence, knowing that Rostron Finance Motor Vehicle Breakdown Insurance has you covered. Whether it's a sudden engine hiccup or a flat tire, our comprehensive coverage ensures you'll never be stranded, offering a reassuring layer of financial protection for your automotive journeys.
Business vehicle finance is a loan or lease arrangement that lets your business acquire a car, ute, van, or commercial vehicle without paying the full purchase price upfront. The vehicle is used as security, and repayments are spread across an agreed term so you protect your working capital while still getting the vehicle your business needs today.
A business car loan is structured around the entity borrowing — your company, trust, partnership, or sole trader setup. The loan is assessed against business income and assets rather than personal income alone. Importantly, interest costs may be tax-deductible, GST on the purchase price may be claimable upfront, and depreciation can be written off as a business expense. None of these benefits apply to a standard personal car loan.
We arrange commercial vehicle finance for business cars, utes, vans, light commercial vehicles, trucks, and full vehicle fleets. Both new and used vehicles are eligible. If your business uses the vehicle to generate income, we can typically find a lender who will finance it.
Rostron Finance offers chattel mortgage (the most common structure for business car finance, with GST claimable upfront), commercial hire purchase (ownership transfers at end of term), finance lease (flexible for fleet management), and refinancing of existing business vehicle loans. Your broker will explain the GST, tax, and cash flow implications of each so you pick the right structure.
Yes. Sole traders and contractors can access business vehicle loans. Lender criteria vary, but Rostron Finance works with lenders who specifically assess contractor and self-employed income. Your broker will help you present your application in the strongest possible way based on your income documentation.
Brokers you can depend on to get it right
In need of a loan fast? Give us a call to get started.
