Most vehicle finance ends up with the wrong lender at the wrong rate with the wrong structure. Krishna Neelamraju has spent 20 years knowing how vehicle finance submissions should be built. Get the deal your business actually deserves.
✓ No credit score impact on enquiry
Business vehicle finance and company vehicle finance is one of the most frequently mishandled finance products in Australia. The wrong structure costs you on tax. The wrong lender costs you on rate. The wrong term costs you at end of loan. Getting all three right from the start matters more than most business owners realise.
Krishna assesses your full profile before selecting a lender. Income structure, credit conduct history, vehicle type, and tax position all determine who the right lender is. Not the bank closest to your branch.
For business clients, the structure choices, chattel mortgage, finance lease, or commercial hire purchase, determine your GST treatment, your depreciation strategy, and your flexibility at end of term. For personal clients, we find the lowest rate your credit profile actually supports across 30+ lenders.
Chattel Mortgage, Business ownership from day one. GST claimed upfront. Balloon option available. Best for businesses with strong cash flow and an active tax depreciation strategy.
Finance Lease, Lender owns the asset during the term. Lower repayments. Residual at end of term. Off-balance-sheet treatment available. Common for equipment with refresh cycles.
Consumer Car Loan, Personal vehicle purchase. Fixed rate, fixed term, clear repayment schedule matched to the lender whose policy fits your income and conduct profile.
Balloon Refinance, Balloon or residual payment coming due. We refinance into a new facility or structure a payout without a credit mark from shopping around first.
Utes, vans, SUVs, company cars for directors and staff. Structured around your tax position and vehicle use. Vehicle finance for small business that maximises deductibility from day one.
A balloon or residual is coming due and you are not ready to pay it out. We refinance the remaining balance into a new term or structure a payout without unnecessary credit marks from comparing options yourself.
Trading up to a newer vehicle. Krishna handles the payout of your existing loan, any equity position, and the new facility in a single coordinated transaction. One submission, not three.
New or used vehicle for personal use. Fixed rate and term matched to a lender whose credit policy fits your income type and conduct history, not the bank you already have a mortgage with.
Krishna compares 30+ lenders for your specific vehicle, income type, and credit profile without leaving a mark on your file until you choose to proceed.
General Advice Warning: Information on this page is general in nature and does not constitute financial or credit advice.