Finance the Ride / Business finance
Can You Get a Low Doc Loan for a Fleet of Vehicles?
Introduction If your business is growing and you need more than one vehicle — whether for deliveries, services, or staff — you might wonder:Can I use a low doc loan to finance a fleet? The answer is yes, but you’ll...
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Introduction
If your business is growing and you need more than one vehicle — whether for deliveries, services, or staff — you might wonder:
Can I use a low doc loan to finance a fleet?
The answer is yes, but you’ll need to prepare carefully to secure approval for multiple vehicles.
What Counts as a Fleet?
✅ 2–5 vehicles → Often small businesses scaling up
✅ 5+ vehicles → Larger fleet deals, sometimes requiring more detailed proposals
✅ Can include vans, utes, trucks, or specialty vehicles, as long as they’re primarily for business use
What Documents Will You Need?
✅ Active ABN (usually 12+ months for larger fleets)
✅ Strong 6–12 months of business bank statements
✅ BAS or accountant’s letter (if available)
✅ A larger combined deposit — typically 20–30% for fleet deals
✅ Clear business justification for why multiple vehicles are needed
Case Study: Tanya’s Mobile Pet Grooming Service
Tanya’s business was booming, and she needed to add three new vans. Using 12 months of strong bank statements and a 25% deposit, her broker secured a bundled low doc loan covering all three vehicles — letting her double her client capacity.
Tips for Fleet Financing
✅ Work with brokers experienced in low doc fleet deals
✅ Provide clear business plans or growth projections
✅ Prepare to explain how each vehicle will be used
✅ Check that all vehicles meet lender age, condition, and purpose requirements
Final Call to Action
Looking to finance multiple vehicles for your business? We can help with flexible low doc fleet solutions.
✅ Check your eligibility in just 20 seconds — no commitments, no impact on your credit score.
Visit our Business Lending Hub here:
https://financetheride.com.au/pages/small-business-car-loans
DISCLAIMER
The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.
About this guide. Written by the Finance the Ride team and last updated . It's general information for Australian borrowers, not financial advice, and doesn't take your circumstances into account. Finance the Ride is a referral service: we don't lend money or hold an Australian Credit Licence. About us