1. Apply Online
Enter some basic details so we know who you are, and what you're looking for! This will not affect your credit score. This is where you will submit your bank statements online.
Business Car Loans Helping Aussie Businesses, even with Bad Credit
Borrow up to $50K!
Secured Business Car Loans for Bad Credit
We understand running a business can be tough for many reasons. Struggling to get much-needed vehicle finance shouldn’t be one of those. Here’s why our car loans are built for you:
Our Business Car Finance Features
- Tailored Loan Amounts: Borrow between $5K and $50K to finance the vehicle you need—whether it’s a ute, van, truck, or car. Big or small, we’ve got you covered.
- Start-Up Friendly: Only 3 months ABN with prior industry experience needed. No GST registration required.
- Fast Approvals and Settlements: Time is money. That’s why we offer same-day approvals and settlements, so you can hit the road without delays.
- Credit Made Simple: With a minimum credit score of 300, we focus on giving opportunities to those who need them most.
- Freedom to Choose: Buy from a dealership or a private seller - we finance both, allowing you to choose the vehicle that’s perfect for your business.
- Bad Credit? No Problem: Your past doesn’t define your future. Your dedicated Lending Specialist will look at where you are now, and work with you to help get your business moving forward.
- No Penalties for Early Payout: Repay your loan early and save on interest - no penalties, no hidden fees. Just flexibility that works for you.
- Built Around Your Needs: Whether you're purchasing new or used, we offer flexible financing options that empower you to select the right vehicle for your business
Who Can Benefit from Business Vehicle Loans?
Apply online todayOur business car loans are perfect for:
Small Business Owners: If reliable transport is essential to your operations, we’re here to help keep your business moving with finance solutions tailored to your needs.
Self-Employed Australians: From tradies to couriers and other on-the-go professionals, we offer financing options to ensure you stay on the road and in control of your work.
ABN Holders: Whether you’re a sole trader or managing a growing business, our loan solutions are built with your unique circumstances in mind. No unnecessary red tape.
Australians with Bad Credit: Past financial setbacks shouldn’t limit your future. We work with you to find practical finance options that support both your personal and business goals.
How Ume Loans Supports Borrowers with Bad Credit
We know traditional lenders can be strict, making it tough for people with bad credit to get finance. At Ume Loans, we do things differently:
Focus on Your Present: We look at our customer’s current financial position and prioritise their potential over their past credit history. This lets us find solutions tailored to our customer’s needs.
Simple Application Process: We guide you through every step. You’ll need:
Proof of business income or activity using, bank statements, tax returns, BAS, or invoices.
Details about the vehicle you want to purchase.
Government-issued photo ID such as a driver’s license or passport.
Manageable Loan Repayments: Repayments are aligned with your cash flow to ensure they’re manageable, with a maximum repayment term of five years to provide you with added flexibility.
A Path to Financial Stability: Repaying your loan responsibly helps rebuild your financial standing & credit file. It’s a chance to move forward with confidence, while setting yourself up for success in the future!
Who Can Benefit from Business Vehicle Loans?
Small Business Owners: If reliable transport is essential to your operations, we're here to help keep your business moving with finance solutions tailored to your needs.
Self-Employed Australians: From tradies to couriers and other on-the-go professionals, we offer financing options to ensure you stay on the road and in control of your work.
ABN Holders: Whether you're a sole trader or managing a growing business, our loan solutions are built with your unique circumstances in mind. No unnecessary red tape.
Australians with Bad Credit: Past financial setbacks shouldn't limit your future. We work with you to find practical finance options that support both your personal and business goals.
How Ume Loans Supports Borrowers with Bad Credit
Focus on Your Present: We look at our customer's current financial position and prioritise their potential over their past credit history.
Simple Application Process: We guide you through every step. You'll need proof of business income, details about the vehicle, and government-issued photo ID.
Manageable Loan Repayments: Repayments are aligned with your cash flow with a maximum repayment term of five years.
A Path to Financial Stability: Repaying your loan responsibly helps rebuild your financial standing & credit file.
Our business car loans are perfect for:
Small Business Owners: If reliable transport is essential to your operations, we’re here to help keep your business moving with finance solutions tailored to your needs.
Self-Employed Australians: From tradies to couriers and other on-the-go professionals, we offer financing options to ensure you stay on the road and in control of your work.
ABN Holders: Whether you’re a sole trader or managing a growing business, our loan solutions are built with your unique circumstances in mind. No unnecessary red tape.
Australians with Bad Credit: Past financial setbacks shouldn’t limit your future. We work with you to find practical finance options that support both your personal and business goals.
How Ume Loans Supports Borrowers with Bad Credit
We know traditional lenders can be strict, making it tough for people with bad credit to get finance. At Ume Loans, we do things differently:
Focus on Your Present: We look at our customer’s current financial position and prioritise their potential over their past credit history. This lets us find solutions tailored to our customer’s needs.
Simple Application Process: We guide you through every step. You’ll need:
Proof of business income or activity using, bank statements, tax returns, BAS, or invoices.
Details about the vehicle you want to purchase.
Government-issued photo ID such as a driver’s license or passport.
Manageable Loan Repayments: Repayments are aligned with your cash flow to ensure they’re manageable, with a maximum repayment term of five years to provide you with added flexibility.
A Path to Financial Stability: Repaying your loan responsibly helps rebuild your financial standing & credit file. It’s a chance to move forward with confidence, while setting yourself up for success in the future!
Who Can Benefit from Business Vehicle Loans?
Small Business Owners: If reliable transport is essential to your operations, we're here to help keep your business moving with finance solutions tailored to your needs.
Self-Employed Australians: From tradies to couriers and other on-the-go professionals, we offer financing options to ensure you stay on the road and in control of your work.
ABN Holders: Whether you're a sole trader or managing a growing business, our loan solutions are built with your unique circumstances in mind. No unnecessary red tape.
Australians with Bad Credit: Past financial setbacks shouldn't limit your future. We work with you to find practical finance options that support both your personal and business goals.
How Ume Loans Supports Borrowers with Bad Credit
Focus on Your Present: We look at our customer's current financial position and prioritise their potential over their past credit history.
Simple Application Process: We guide you through every step. You'll need proof of business income, details about the vehicle, and government-issued photo ID.
Manageable Loan Repayments: Repayments are aligned with your cash flow with a maximum repayment term of five years.
A Path to Financial Stability: Repaying your loan responsibly helps rebuild your financial standing & credit file.
5 Simple Steps To Getting Your Loan
Enter some basic details so we know who you are, and what you're looking for! This will not affect your credit score. This is where you will submit your bank statements online.
2. Speak with an Expert
One of our Lending Specialists will call you to speak with you about your options.
3. Get Pre-Approval
We'll get to work on getting your loan pre-approved as soon as you supply the required supporting documents.
4. Sign your documents
Once everything is verified, you can sign your contracts electronically.
5. Get your new car!
Time to go shopping for your new car or pick up the one you've already chosen.
Why Choose Us?
15+ Years
Experience in Alternate Lending
We Understand
We provide good people with a second chance
Our Team
Our team is passionate about helping people
Simple Process
Apply online in minutes
Bad credit score? Poor credit history? We have a secured business car loan for you.
Helpful Finance Articles
Guide to Your Bad Credit Business Car Loan
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Bad Credit Business Car Loans That Keep Your Business Moving
Business owners with bad credit can still access car finance to keep operations moving, preserve cash flow, and potentially rebuild...
Where Can I Get a Loan for a New Business Without Financials?
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Questions aboutSecured Business Car Loans?
A business car loan is a type of finance that is used to purchase vehicles primarily for business (commercial) purposes. The vehicle itself acts as the security for the loan.
Let’s chat about your finance options.
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