UTE Finance with SME Lend

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.