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Secured Business Loans

Large Bus Financing with SME Lend

At SME Lend, we understand the vital role large buses play in moving people efficiently, whether for commercial, public transportation, or private purposes. Acquiring or upgrading a large bus can be a significant investment, and we are here to provide tailored financing solutions that align with your needs and business goals. With SME Lend, you get a seamless financing process and expert guidance to get your bus on the road without delays.
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Partner with SME Lend for Large Bus Financing

At SME Lend, we’re more than a financing provider – we’re a partner in your success. With our expertise, competitive rates, and customer-first approach, we make it easy to finance the bus you need to drive your business forward.

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Let SME Lend help you take your business or organization to the next level with dependable, flexible bus financing solutions.

Buses We Finance

We provide financing for a wide range of large buses to suit diverse applications:

    Charter Buses

    Ideal for transporting groups for events, tourism, or private bookings.

    City Transit Buses

    Reliable options for public transportation services in urban and suburban areas.

    Tour Buses

    High-end buses designed for tourism and long-distance travel.

    Electric Buses

    Eco-friendly and cost-effective options for organizations transitioning to greener fleets.

    Why Choose SME Lend for Large Bus Finance?

    With our experience in financing high-value assets, SME Lend stands out as a trusted partner for businesses and organizations needing large buses. Our solutions focus on speed, transparency, and flexibility, ensuring your business thrives.

    Specialized Financing Solutions

    Whether you need a bus for public transport, tourism, or private charter, we provide custom plans suited to your operational needs.

    Flexible Loan Terms

    Choose repayment schedules that fit your cash flow and budget, allowing you to manage finances efficiently while keeping your business running.

    Access to Leading Lenders

    We collaborate with reputable lenders to secure competitive rates and favorable terms, saving you time and money.

    Expert Support


    Our experienced advisors guide you through every step of the financing process, ensuring a hassle-free experience.

    Popular Large _ Bus Brands We Finance

    At SME Lend, you’re not limited by brand or model. Choose from leading manufacturers, including:

    Our Promise to You

    At SME Lend, we are committed to delivering more than just financial solutions. We promise to be your trusted partner, guiding you every step of the way to secure the right financing for your large bus needs. Here's how our promise makes us stand out:

    Transparency You Can Trust :

    Financing should never be confusing or come with unexpected surprises. We ensure complete clarity in every interaction. With SME Lend, you are free from hidden fees or ambiguous fine print.

    Efficient Processes, No Delays :

    Time is money, and we value yours. Our streamlined application and approval process are designed to minimize delays so that you can focus on what truly matters—your business. 

    Tailored Financing Solutions :

    No two businesses are the same, and neither are their financial needs. We craft flexible financing plans that align with your unique operational requirements and cash flow, ensuring that you can grow sustainably.

    Personalized Support from Start to Finish :

    At SME Lend, you’re never just another client. Our experienced team is dedicated to understanding your goals and providing tailored advice at every stage. Whether you’re selecting the right loan, we’re here to assist.

    The SME Lend team is here whenever you need us. Reach out to our Truck Finance Specialists at 1800958400 or email us at approvalsteam@smelend.com.au for a personalized quote today!

    OUR LENDERS

    Trusted by over 40 lenders with hundreds of loan products

    How to Apply for Large Bus Finance

    Submit Your Application

    Complete a simple online ​application form, and one of our finance specialists will reach out to discuss your options.

    Get Approval

    Our team will process your application quickly, ensuring you receive approval within 24-48 hours.

    Choose Your Bus

    Select the Bus that suits your business needs from any dealership or private seller.

    Drive Away

    Once your loan is finalized, you’ll be able to pick up your new Bus and start driving your business forward.

    Contact Us for a FREE QUOTE

    Fill out the form below for a quick quote!

    Frequently Asked Questions (FAQ)

    What is large bus financing?

    Large bus financing is a financial solution that helps businesses, schools, transport operators, and organizations purchase or lease full-sized buses for public transit, intercity travel, tours, or other transportation needs.

    What types of large buses can I finance?

    Financing is available for various large buses, including city buses, school buses, double-deckers, intercity coaches, articulated buses, and specialized passenger buses.

    Who can apply for large bus financing?

    Absolutely. We offer fleet financing options that allow you to finance several UTEs, which is ideal for businesses looking to expand their operations.

    How long does the approval process take?

    Businesses, transport companies, non-profits, schools, and public sector organizations are eligible to apply. Individuals operating under a registered business (ABN/ACN) can also qualify.

    Is financing available for used large buses?

    Yes, financing is available for both new and used large buses. Used buses can be a more affordable option for those looking to minimize initial investment costs.

    What documents do I need to apply for large bus financing?

    Required documents typically include:

    • Proof of identity (e.g., driver’s license or passport)
    • Business registration details (ABN/ACN)
    • Financial statements or proof of income
    • Bus details (make, model, year, price)
    • Maintenance history for used buses
    Do I need a deposit to secure financing for a large bus?

    A deposit is not always required, as many lenders offer no-deposit financing options. However, providing a deposit can improve your chances of approval and may lower your loan amount.

    What loan amounts are typically available for large buses?

    Loan amounts depend on the value of the bus, your financial situation, and the lender’s policies. Many lenders finance up to 90-100% of the bus’s purchase price.

    What are the repayment terms for large bus financing?

    Repayment terms usually range from 1 to 10 years. Flexible terms allow you to choose a schedule that suits your operational and financial needs.

    Can I include additional costs in the financing?

    Yes, lenders often allow you to bundle related costs such as registration, insurance, maintenance packages, and extended warranties into your loan agreement.

    What are the interest rates for large bus financing?

    Interest rates vary based on factors like creditworthiness, loan term, and market conditions. Rates typically range from 5% to 15%, with better terms available for businesses with strong financials.

    Can I finance buses for public transport systems?

    Yes, many lenders provide financing for buses used in public transit systems, including city and regional transport networks.

    Can schools apply for large bus financing?

    Yes, schools and educational institutions can apply for financing to acquire buses for student transportation. Non-profits may also qualify under similar conditions.

    Can I refinance an existing large bus loan?

    Refinancing options are available if you want to lower your interest rate, adjust repayment terms, or consolidate multiple loans into one payment.

    What is the approval timeline for large bus financing?

    Approval timelines vary but typically range from 2 to 7 business days. Expedited processing may be available for urgent applications.

    What happens if I miss a payment?

    Missing a payment can result in penalties, additional interest charges, or negative impacts on your credit score. Contact your lender immediately to discuss options if you anticipate difficulties.

    Can I upgrade or replace my bus during the loan term?

    Some lenders allow upgrades or replacements during the loan term. You may trade in your current bus and refinance the new purchase, subject to lender approval.

    Are there tax benefits to financing a large bus?

    Financing a large bus may provide tax benefits, such as deductions for interest payments, depreciation, and operating expenses. Consult a tax advisor for guidance specific to your situation.

    What maintenance requirements are needed for financed buses?

    Many lenders require that buses are maintained in good condition to retain their resale value. Maintenance schedules and warranties can often be included in the financing agreement.

    Can I finance multiple buses at once?

    Yes, fleet financing options are available for businesses or organizations looking to purchase multiple large buses simultaneously. Terms may vary depending on the size and scope of the fleet.

    How do I apply for large bus financing?

    You can apply online, through a finance broker, or directly with a lender. The application process typically involves submitting documents, discussing loan terms, and finalizing the agreement upon approval.

    Contact Us

    Need more information? Reach out to our finance specialists who can answer all your questions and help you secure the best Bus finance option.

    Phone: 1800958400

    Email: approvalsteam@smelend.com.au

    Office Hours: Monday - Friday, 9:00 AM - 5:00 PM

      By choosing SME Lend, you’re partnering with a company that’s as invested in your success as you are. Let us provide you with the financing solutions and support you need to hit the road with confidence.