Ute Finance in Sydney, Melbourne, Brisbane & Perth

Utes are essential business vehicles across construction, trades, mining, utilities, agriculture, logistics, maintenance, and field-based operations. From daily job-site travel to transporting tools, equipment and materials, utes are critical to mobility, productivity and revenue generation.

Asset Finance Partners provides specialist ute finance in Sydney, Melbourne, Brisbane and Perth, helping businesses purchase new or used utes without large upfront capital outlay. Our flexible asset-finance solutions allow operators to get vehicles on the road immediately while preserving cash flow and supporting business growth.

Work ute financed for a trade or construction business in Sydney, Melbourne, Brisbane or Perth.

Why Finance a Ute Instead of Paying Cash?

Utes are high-use assets that depreciate over time but generate income every day. Purchase prices typically range from $30,000 to $120,000+, depending on model, specification and fit-out.

Financing a ute instead of paying cash allows businesses to:

• Preserve working capital for wages, materials and operations

• Match repayments to ongoing business income

• Upgrade vehicles more frequently

• Reduce downtime with newer, more reliable utes

• Fit out vehicles properly from day one

• Manage tax more efficiently (where eligible)

• Scale fleets as the business grows

For most businesses, ute asset finance is the smartest and most tax-effective way to fund work vehicles.

Utes and Vehicles We Finance

Asset Finance Partners arranges finance for a wide range of utes and commercial vehicles, including:

• Single-cab utes

• Extra-cab utes

• Dual-cab utes

• 4x4 utes

• Heavy-duty and towing-spec utes

• Mining and site-spec utes

• Trade and service utes

• New and used utes

• Fleet and multi-vehicle purchases

Finance can often include canopies, trays, toolboxes, racking, tow bars, bull bars, lighting, safety equipment, signage and fit-outs within the same finance facility.

Ute Finance in Sydney

Sydney’s construction, trades, utilities and service industries rely heavily on utes for daily operations across metro and regional NSW.

Asset Finance Partners provides ute finance in Sydney for:

• Builders and construction companies

• Trades (electrical, plumbing, HVAC, carpentry)

• Maintenance and service businesses

• Utilities and infrastructure contractors

Including support for single vehicles and large fleet upgrades.

Ute Finance in Melbourne

Melbourne’s strong building, infrastructure and trade sectors drive constant demand for reliable utes across metro and regional Victoria.

We arrange ute finance in Melbourne for businesses upgrading vehicles, expanding fleets or transitioning to 4x4 and heavy-duty specifications.

Ute Finance in Brisbane

Brisbane’s construction, civil, mining support and regional industries rely heavily on utes for site access and transport.

Asset Finance Partners provides ute finance in Brisbane for businesses across South East Queensland and regional areas, including mining-spec and fleet vehicles.

Ute Finance in Perth

Perth and Western Australia represent one of Australia’s largest ute markets, driven by mining, resources, regional work and remote operations.

We provide ute finance in Perth for:

• Mining contractors

• Resource service companies

• Regional and remote businesses

• Civil and infrastructure operators

WA-based clients benefit from our experience financing mine-spec, high-use and fleet utes.

Ute Finance Options Available

Asset Finance Partners structures ute finance based on business type, usage and tax position. Common options include:

• Chattel Mortgage – ownership from day one with GST claimed upfront (where eligible)

• Finance Lease – lower repayments with upgrade flexibility

• Operating Lease / Novated-style structures – suitable for fleets

• Hire Purchase – fixed repayments with ownership at the end

Both new and used utes may be eligible, subject to lender criteria.

Finance Amounts and Terms

Typical ute finance structures include:

• Finance amounts from $30,000 to $500,000+ (fleet purchases)

• Terms typically 3 to 5 years

• Weekly, fortnightly or monthly repayments

• Balloon or residual options available

• Vehicle fit-outs included

• Early payout options with many lenders

Approvals are often fast, including for sole traders and small businesses.

Productivity, Image and ROI

A reliable, well-fitted ute improves productivity, reduces downtime, enhances professional image and allows businesses to carry the tools and equipment needed to complete jobs efficiently.

Asset finance allows businesses to deploy modern utes immediately, and in many cases increased efficiency and reduced vehicle issues help offset finance repayments.

Why Choose Asset Finance Partners

Asset Finance Partners is an independent asset-finance specialist with access to lenders experienced in:

• Ute and commercial vehicle finance

• Trade and construction businesses

• Mining and resource operations

• Fleet and multi-vehicle funding

Our clients benefit from:

• Competitive interest rates

• Flexible approval criteria

• Fast approvals

• Lenders familiar with trade and fleet vehicles

• Practical, business-focused advice

We understand cash-flow cycles, tax considerations and the importance of keeping vehicles on the road.

Get Ute Finance Across Australia

If you’re purchasing a ute, upgrading vehicles or expanding your fleet, don’t let upfront costs slow your business.

Asset Finance Partners provides ute finance in Sydney, Melbourne, Brisbane and Perth, tailored to trades, construction, mining, utilities and service businesses.

Apply today or request a callback to discuss the right asset-finance solution for your ute.