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Secured Business Loans

Motor Vehicles Financing

Empowering Your Business with Reliable Motor Vehicle Financing
At SME LEND, we understand that reliable transportation is the backbone of many businesses. Whether you need vehicles for logistics, team mobility, or expanding your customer reach, we’re here to provide flexible financing solutions tailored to your specific needs. Our mission is to help businesses acquire, upgrade, or expand their fleet without straining cash flow, ensuring that you stay competitive and productive in your industry.

Contact Us for a FREE QUOTE

Fill out the form below for a quick quote!

Motor Vehicle Brands We Finance

At SME Lend, we finance a wide range of leading Vehicle brands, ensuring you have access to high-quality, reliable vehicles that meet your business needs. Our partnerships with top manufacturers allow us to offer competitive financing solutions for various models and specifications.

The Benefits of Partnering with SME LEND

  •  Stay Competitive

Equip your business with modern, reliable vehicles that enhance efficiency and reduce operational downtime.

  • Preserve Working Capital

    Avoid large upfront payments and free up funds for other critical areas of your business, such as inventory, marketing, or staffing.

  • Scale with Confidence

    Expand your fleet as your business grows, meeting increased customer demand without financial strain.

  • Tax Efficiency

    Take advantage of potential tax deductions related to vehicle financing, maximizing your return on investment.

Why Choose SME Lend for UTE Finance?

Trusted by Leading Lenders

With established relationships with over 60 reputable lenders in Australia, we offer access to a wide range of loan products and competitive rates. This network allows us to secure the best possible financing options for our clients, giving you confidence and choice.

Fast & Easy Process


We know time is money, so we’ve streamlined our financing process. From submitting your application to approval, we handle everything quickly and efficiently, ensuring you can drive away with your UTE sooner than you expect.

Trusted by Leading Lenders

With established relationships with over 60 reputable lenders in Australia, we offer access to a wide range of loan products and competitive rates. This network allows us to secure the best possible financing options for our clients, giving you confidence and choice.

Fast & Easy Process


We know time is money, so we’ve streamlined our financing process. From submitting your application to approval, we handle everything quickly and efficiently, ensuring you can drive away with your UTE sooner than you expect.

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Trusted by Leading Lenders

SME Lend partners with over 40 reputable lenders, providing access to a vast array of loan products tailored to your Vehicle financing needs. Our trusted lender network ensures you receive the best possible rates and terms, backed by reliable financial institutions that understand the importance of your business operations.

How to Apply for UTE 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 UTE

Select the UTE 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 UTE 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)

Can I finance a used UTE through SME Lend?

Yes, we offer financing for both new and used UTEs. This allows you the flexibility to choose a vehicle that fits your budget, whether from a dealership or a private seller.

What documents do I need to apply for UTE finance?

Typically, you’ll need proof of income, identification, and business details. Our team will guide you through the documentation requirements, making the process straightforward and hassle-free.

Can I finance multiple UTEs for my business?

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?

Our streamlined process means you can receive an approval decision within 24-48 hours, allowing you to get on the road with your new UTE quickly.

Is a deposit required to finance a UTE?

No deposit? No problem. We offer up to 100% finance solutions, meaning you can finance the full cost of the UTE without needing an upfront payment.

What is the minimum and maximum loan term available?

We offer flexible loan terms typically ranging from 12 to 60 months. This allows you to choose a repayment schedule that best suits your cash flow and financial planning.

Can I get a loan even if my credit score is less than perfect?

Yes, we work with a network of lenders who consider a variety of credit backgrounds. While terms may vary, our finance specialists will help you find the best option available.

Can I pay off my UTE loan early without penalties?

Some of our loan options offer early repayment without additional fees. Be sure to discuss this with our team to select a financing option that allows for flexible repayment terms.

Does SME Lend offer insurance options for my UTE?

Yes, we can guide you through securing comprehensive insurance for your UTE, providing added peace of mind for your investment.

Are there any additional fees I should be aware of?

Fees and charges vary depending on the lender and loan product. Our specialists will provide a transparent breakdown of any fees associated with your financing options, so you know exactly what to expect.

What types of UTEs can I finance through SME Lend?

We finance a wide range of UTE models from popular brands like Toyota, Ford, Nissan, Volkswagen, and more. Whether it’s a basic workhorse or a fully equipped UTE, we’ve got you covered.

Can I customize my UTE with accessories and include it in the finance amount?

Yes, depending on the lender, we can help you finance additional accessories or modifications that make the UTE more suitable for your business needs. Talk to us about the options available.

What happens if I miss a payment on my UTE loan?

If you miss a payment, it’s essential to contact us or your lender immediately. Most lenders offer options to manage temporary financial setbacks, but late fees or penalties may apply.

How is my interest rate determined?

Your interest rate is based on factors such as credit score, loan term, vehicle type, and down payment (if any). With access to multiple lenders, we work to find the most competitive rate for you.

Can I refinance my current UTE loan with SME Lend?

Yes, we offer refinancing options if you're looking for a better rate or more flexible terms. Our team can help you determine if refinancing is a good option for your situation.

Are there tax benefits to financing a UTE for business purposes?

Financing a UTE for business use may provide certain tax advantages. We recommend consulting with a tax professional to understand the benefits available for your business.

Is UTE financing available for sole traders or small businesses?

Yes, our financing options cater to businesses of all sizes, including sole traders, small businesses, and larger enterprises. We understand the unique needs of each and provide tailored solutions.

What’s the difference between leasing and financing a UTE?

Financing allows you to own the UTE once the loan is paid off, whereas leasing typically involves renting the vehicle for a set period with the option to purchase at the end. We can help you determine which option is best for your needs.

Will applying for UTE finance affect my credit score?

A hard credit inquiry may impact your credit score slightly. However, we aim to help you make an informed decision with minimal effect on your credit profile.

Can I use my UTE for personal use if it's financed through SME Lend?

Yes, you can use your UTE for personal purposes as well. Just keep in mind that it should primarily serve your business if you’re looking to claim potential tax deductions.

How do I know which loan term is best for my business?

Shorter loan terms may save on interest, while longer terms offer lower monthly payments. Our finance specialists can help you evaluate your cash flow and financial goals to select the best term.

Do you offer balloon payment options for UTE financing?

Yes, we offer balloon payment options that allow you to reduce monthly payments by deferring a portion of the loan amount until the end of the term. This can be helpful for managing cash flow.

Can I choose any dealership to purchase my UTE?

Yes, you’re free to choose any reputable dealership or private seller for your UTE purchase. We’ll work with them to finalize your financing arrangement.

Does SME Lend offer financing for other vehicles or equipment?

Absolutely. In addition to UTEs, we provide financing for a wide range of vehicles and equipment tailored to support your business needs. Contact us for details.

Can I add a co-borrower to my UTE loan application?

Yes, in many cases, adding a co-borrower may improve your chances of approval or qualify you for better loan terms. We’ll guide you on how to apply with a co-borrower if needed.

Contact Us

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

Phone: 1800958400

Email: approvalsteam@smelend.com.au

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

    You can edit text on your website by double clicking on a text box on your website. Alternatively, when you select a text box a settings menu will appear. your website by double clicking on a text box on your website. Alternatively, when you select a text box