business vehicles


Getting you on the road with a minimum of fuss. That's what we do best. 

​Vehicles are the backbone of many large and small businesses. So when it comes time to finance a new one it is important it's done quickly, without fuss and at a great rate. 

We take pride in making the purchase of your new vehicle simple, stress free and fast. It's what we do best.  

How do I qualify for a business car loan?

Generally for a vehicle to be financed using a business loan product such as a chattel mortgage, hire purchase or lease it must be used for business purposes more than 50% of the time.

If the vehicle is purchased in the name of a business entity such as a company, trust, partnership or sole trader by default it is normally financed via a business facility. 

Can people on wages get a business car loan?

The answer is yes! If you are employed on wages and use your vehicle for income producing purposes (more than 50% of the time) we can also help you obtain a business finance facility. This situation is typical of a sales or financial services employee. 

The advantages of a commercial loan versus a consumer loan in this case is access to better interest rates and more flexible product features like balloon payments. To qualify the business use needs to be verified from your employer or accountant.  

Can I buy a car via private sale?

The answer is yes! If buying via private sale there is more paperwork involved, however the onus for the extra work normally falls to the it won't require much extra effort from you. Generally an inspection is required by either an independent inspector, bank or broker to make sure the item being financed has been vetted. Each lender has their own requirements regarding private sales.

What lenders are on your panel?

We provide finance solutions from ANZ, CBA, NAB, Westpac & Macquarie with finance products covering Chattel Mortgage, Commercial Loans, Hire Purchase & Lease facilities. 

What will my repayments be?

Business vehicle finance isn't one size fits all. The rate applicable to your loan and the resulting repayment can only be determined once we know the type, age & price of the vehicle you are looking to buy, your proposed loan amount, loan term and requirement for a balloon or residual value. Once this is known we can provide a finance quote which will outline the interest rate, repayments and other fees and charges applicable. 

What's a balloon? 

A balloon or residual value is an optional loan feature. It is an amount payable in one lump sum at the end of the loan term and normally expressed as a percentage of the loan amount. The normal range for a balloon value is between 15 - 30% of the loan amount. Balloon values are often used to reduce the loan payments for the facility if budget or cash flow is a concern. 

Is it all about the rate?

In short no. When comparing & considering car finance it is always important to compare repayments and not just rate over the same term, loan amount and balloon if applicable. This is particularly the case when considering car yard or dealer finance. 

What's energy efficient finance and how do I qualify?

Over the last couple of years the government through the clean energy corporation has introduced interest rate discounts for vehicles that are energy efficient. Providing your proposed vehicle qualifies we can help you apply for the discount. The figure varies from lender to lender but usually results in a rate discount of approx .50 - .70%. Depending on your loan amount this can potentially save you thousands over the loan term. Typically this applies to hybrid & smaller vehicle & the discount being applied is always subject to lender approval. 

Are your appointment times flexible?

We are flexible with our meeting times and are able to fit in with your busy schedule. We can meet you after hours or on weekends if required at a location convenient for you.

Please do not hesitate to contact us to arrange a no obligation meeting or finance quote. 

You can contact us via: 

Mobile on 0427 216 011

Email at or by leaving your details. 

Client Reviews

After dealing with Banks and Car Yards for vehicle financing I was tired of doing all the leg work myself. Simon took care of everything, organised the finance, dealt with the car dealership and our insurance provider to ensure everything went smoothly with the purchase or our new work vehicles. I will never use anyone else for our financing needs. Aaron, Cairns.

I wish to take this opportunity to thank you Simon, for all your effort & hard work in getting my car loans approved. I have been extremely pleasantly surprised with the prompt, efficient and professional service you have provided from day one, right through to finalization of my loans. Your pleasant and approachable manner combined with the efficiency in which you do your job makes you a wonderful credit to your company. I own/operate my own small business and deal with a lot of different businesses daily. Unfortunately a lot of businesses have lost that "Good old fashioned service" where all the above qualities that you have, are sadly lacking. I also strongly believe in giving credit where it's due as these qualities seem to be sadly disappearing. I would have no hesitations in recommending you to anyone in search of a no fuss car loan and will continue to promote you to other's. Thank you again for the hassle free loan experience. From one extremely satisfied and grateful customer! Cheyne, Miallo

I was on the market for a car for myself and was looking for someone to provide me with a reliable and straightforward finance service.  I was recommended to Simon at Tropic Car Loans by my accountant.. Simon negotiated the best interest rate on our behalf and assisted with the entire purchasing process. The service and personal attention I received from Simon was exceptional and beyond what I was expecting. My experience was very positive and I would highly recommend them to someone looking for a quick settlement and personal service. Peter, Cairns.

Simon is valuable to the structure of our business as he fully understands our needs. At a simple call over the phone I can have Simon organise finance for our businesses.  Service like this is extremely hard to come by these days. Nothing is ever a problem for Simon as his service goes above and beyond what is required as far as we are concerned . We would highly recommend Simon to customise finance for your needs in business. Wayne, Cairns

Simon was very easy to deal with and always provided all the information I needed and explained it in terms I understood. Simon goes above and beyond and made the loan process so simple. I would highly recommend him to anyone. Thank you Simon for all you did to help me get my new car. Sonja, Cairns.

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