Commercial Car Finance.

Sharper discounted rate commercial car loans.



Fixed rate



Comparison rate



Who is commercial car finance suitable for?

Anyone who uses their vehicle predominantly for business or work purposes, this generally encompasses:

– Sales representatives,

– Real estate agents, property managers and other such roles where a core component of your work is using your vehicle.
If you are paid a car allowance as part of your employment then you are generally eligible.

– Sole traders, business owners and anyone looking to purchase via an ABN (Australian Business Number)

At Cornerstone Lending, we have negotiated wholesale rates with Australia’s best business use car finance providers!

We have lenders setup to provide financing on the following products:

Type of commercial car finance:

Chattel Mortgage (most common) – This is the most common type of business vehicle finance and what we specialise in. With this product we have a large panel of lenders with sharp interest rates and same day approval policies.
This product is excellent for any type of business use vehicle purchase but has some special benefits for purchases with an ABN and GST registration as you can usually claim 100% of the GST component of the car price as an Input Tax Credit within your next BAS (Business Activity Statement)*

Commercial Hire Purchase – A Commercial Hire Purchase is a hire agreement whereby you hire an asset from a lender for a fixed monthly fee. Excellent if you don’t want to own the asset but simply hire it for a fixed term.

Finance Lease – Also known as a car lease. It’s essentially a long-term car rental whereby you lease the car from the lender who buys it on your behalf. You pay fixed repayments until lease expiry.

We’ve negotiated with some of Australia’s largest mainstream lenders to provide Low Doc car finance at competitive rates (sometimes just as good as a full financials product!).

This is a great option for individuals & small businesses alike with the following criteria:

-> Use your vehicle predominantly for business or work use (tradie, real estate, salesperson) OR

-> Run your own company/business with ABN registration of 2 years + GST registration (minimum 1 day)

As there are no financials required and the application is a very straightforward setup (with the business owners simply providing a declaration of affordability) – there are also the following benefits:

-> Same day approvals

-> Lowest negotiated interest rates with $0 Origination fees!

-> No financials needed for certain businesses (2 years ABN, GST registered and own property of some description)

-> Settlement on emailed documents (signed originals not required)

Cornerstone Lending Solutions – Helping individuals & businesses avoid getting bogged down in paperwork and back to what they are meant to be doing, good business!

Call us today on 1300 495 735 or fill out a Quick Quote today and speak to one of our specialists!

*Always refer to your Accountant to confirm eligibility


  • No financials required (must meet eligibility criteria – 2 years ABN at a minimum)
  • Faster application turn around times (as a streamlined approval product)
  • Lower application fees (again as a simpler application)
  • Can still provide very competitive interest rates! (as designed for long-term businesses)
  • Big 4 bank options – with no ongoing monthly fees


  • Rates may not be quite as low (but still can be in alot of cases)
  • Loan limit of $100k to $150k without providing financials
  • May not be applicable for larger purchases (luxury cars or other assets)


  • Over 30 years home loan industry experience
  • Dedicated loan manager per application
  • Licensed through one of Australia′s largest mortgage aggregators
  • We are an award winning team for a reason
  • Access to over 34 lenders
  • 97% satisfaction rating

Work out your estimated repayments: