Vehicle Finance

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Better Rate Business Car Loans

At Black Granite Finance we have a range of finance options for all businesses looking to buy a motor vehicle. We also offer many low documentation solutions up to $150K for businesses who are looking to purchase new or used vehicles, making for a quick and easy application process.

Brand New Car in Showroom

Some of the vehicles we provide finance solutions for include:

Give us a call at Black Granite Finance today to discuss finance options for your business car loan.

Our Fast & Easy Process

In 5 simple steps to make obtaining a vehicle loan, equipment loan or other loan simple for you!

Step 1

We get to know you, your business & your requirements.

Step 2

We request financial information if required and begin your application.

Step 3

We work hard to find you the best finance loan for your situation.​

Step 4

We finalise the paperwork with the dealer or private seller.

Step 5

We settle the transaction & hand over ownership of the goods to you.

What Are My Repayments?

Use our calculator to estimate the monthly repayments you would make each month on the gear you wish to purchase. 

Only enter a residual/balloon (%) if you wish to pay a lump sum at the end of your loan. Otherwise simply leave this field blank.


The information which you calculate from this Calculator is intended for use by you as a guide only.

Business Car Finance: What Do I Need to Know?

One commonly asked question is, “what term should I finance the car over and what balloon should I have?” This is a very broad question and the answer will vary depending on the individual business’s vehicle requirements and usage.

Key points to consider are:

Then do some research on what a similar make and model vehicle is selling for secondhand at that time. A work vehicle is a necessity for many businesses but does not generate income and therefore it’s important that you don’t structure a balloon on a vehicle that will not be worth that same value at the end of the finance contract. If this does happen you will be looking to finance negative equity into the new vehicle and may need to take cash out of the business’s workings to pay the shortfall from the sale or trade, so it is best to avoid this where possible.

Why Black Granite Finance

Five star service

Our clients enjoy dealing with us and we see us as an extension of their business. Working with us means you’ll always deal with an experienced broker and not a call centre.

Competitive pricing

We have strong relationships with a number of lenders and therefore have access to some of the best rates in the market.

Flexible options

We have access to a number of different loan types including chattel mortgages, finance leases as well as low doc and no deposit loans.

Fast approvals

We do all the hard work to organise the loan so you don’t have to lift a finger.

Some of Our Lenders

With access to 30+ bank and non-bank lenders we’ll be sure to get your equipment loan approved and at a competitive rate.