Car & Van Finance for Cleaning Businesses
For domestic, commercial, bond and carpet cleaning businesses that need a car or van for the work. Tell us about your cleaning business and the vehicle you need, and we'll pass your enquiry to a licensed finance broker who works with a range of lenders. It takes about 60 seconds and there's no credit check to enquire.
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
Check my eligibility
About 60 seconds. No credit check to enquire.
Who we help
- Solo cleaners on an ABN: usually a hatch or small wagon that also gets used privately
- Commercial cleaning contractors: offices, schools, strata and medical sites, with a van for crews and gear
- Bond and end-of-lease cleaners: carrying vacuums, steam cleaners and chemicals between jobs
- Carpet and upholstery cleaners: vans fitted with a truck-mount extraction unit
- Window and pressure cleaners: utes or vans with a water tank and pump
- Growing teams: adding a second vehicle so staff can run their own routes
Vehicles and fit-outs cleaning businesses finance
| Type of work | Typical vehicle | Worth raising with your broker |
|---|---|---|
| Solo domestic cleaning | Hatch or small wagon | Your business-use percentage, as the car is often used privately too |
| Commercial and office contracts | Small to mid-size van | Shelving, cargo barrier and signage on the same invoice |
| Carpet and upholstery | Mid-size or long-wheelbase van | Whether the truck-mount unit is financed with the van or separately as equipment |
| Window and pressure cleaning | Ute or van | Water tank, pump and hose reel fit-out, or a trailer |
| Team cleaning | People mover or crew van | Seating for staff and who will be driving |
Using your cleaning contracts as income evidence
Cleaning income usually comes from a mix of regular contracts and one-off jobs, and many operators don't have up-to-date financial statements. That's where contracts can help, as long as they're backed by the money actually coming in. Lenders often look at:
- Signed contracts or service agreements: with an office, body corporate, property manager or school, showing the value, frequency and term.
- Business bank statements: regular deposits from those clients that match the contracts.
- BAS: quarterly turnover across the whole business, including one-off and bond cleans.
- How concentrated it is: income from one large client, or a contract close to expiry, may be viewed more cautiously than a spread of clients.
A contract on its own isn't proof of income. Lenders want to see it reflected in your bank statements or BAS.
Business or personal loan?
If the vehicle is mainly for the business, a chattel mortgage is common, and if you're registered for GST you may be able to claim the GST credit upfront. A small hatch used mostly for personal trips may suit a consumer car loan instead. Your accountant can confirm what you can claim.
How it works
- Tell us about your cleaning business and the vehicle in the short form below.
- A licensed broker calls you, usually within one business day, to talk through your options.
- If it suits you, they handle the application with a lender that fits your circumstances.
What you'll usually need
- Photo ID and driver licence
- Your ABN, and GST registration details if registered
- Copies of current cleaning contracts or service agreements
- Business bank statements showing regular client payments
- Recent BAS, or tax returns if they're up to date
- Vehicle and fit-out details: price, year, and dealer or fit-out invoice
Every lender has its own criteria, so your broker will tell you exactly what's needed for your situation.
Cleaning business finance guides
- Small business car loans
- Low doc car, ute and van finance
- Splitting business and personal use on an ABN car loan
- Low doc car loans without GST registration
- What is a chattel mortgage?
- How BAS statements affect your car loan
Common questions
Can my cleaning contracts help my application?
Yes, they can. Signed contracts show where your income comes from and how long it's likely to continue. Lenders usually want to see the payments in your bank statements or BAS as well.
I'm a solo cleaner and not registered for GST. Can I still get finance?
Possibly. GST registration is only required once turnover reaches $75,000, and some lenders consider ABN holders who aren't registered, usually using bank statements as evidence of income. You just won't be able to claim GST credits on the vehicle.
Can the van fit-out or carpet cleaning machine be included?
Shelving and fit-outs on the same invoice as the van can often be included. A truck-mount unit may be financed with the van or separately as equipment, depending on the lender and how it's supplied.
Can I use the car for personal trips too?
Yes, but any tax claims are limited to the business-use portion, so keep a logbook. If personal use is the main use, a consumer car loan may be the better fit.
Does enquiring affect my credit score?
No. Filling in our enquiry form isn't a credit application. A credit check only happens if you choose to go ahead with an application through the broker.