Ute & Van Finance for Pest Control Businesses

Who we help

• Licensed technicians going out on their own: leaving an employer to start their own ABN
• Established operators: replacing a worn vehicle or adding one for a new technician
• Termite inspection and treatment specialists: carrying drilling, injection and inspection gear
• Commercial pest management contractors: servicing food premises, warehouses and strata on regular contracts
• Residential service businesses: with seasonal peaks in the warmer months
• Self-employed without current financials: low doc options may suit

Vehicles and fit-outs

Most pest control work is done from a ute with a canopy or a small to mid-size van, set up so chemicals are carried and stored separately from the cabin. Common fit-outs include:

• Lockable, ventilated chemical storage boxes or cabinets
• A spray tank with pump and hose reel
• Shelving and drawer systems for baits, dusters, monitoring stations and PPE
• Ladder racks for roof void inspections
• A spill kit and secure tie-down points

If the fit-out is supplied by the dealer or on the same invoice as the vehicle, many lenders can include it in one loan. A fit-out added later may need to be financed separately as equipment. Ask your fit-out supplier for an itemised tax invoice. Rules on carrying and storing pesticides are set at state level, so check your state regulator's requirements before you spec the vehicle.

What lenders look at for pest control businesses

• Your licence and experience: time in the industry helps show you can run the business, which matters most for newer ABNs.
• Recurring contracts: regular commercial servicing agreements give lenders confidence in your income.
• Seasonality: residential work tends to peak in warmer months. A full year of BAS shows the pattern, rather than one quiet or busy quarter.
• The vehicle and fit-out value: specialised fit-outs add less to resale value than the vehicle itself, so some lenders limit how much of the fit-out they'll fund or may ask for a deposit.

Ute or van: does it matter for tax?

It can. For passenger cars, the car limit (depreciation capped at $69,674 for 2025–26 and $69,883 for 2026–27) also caps the GST credit you can claim. Vehicles designed to carry a tonne or more, or nine or more passengers, generally aren't treated as cars for these limits, which covers many utes and vans. Confirm the treatment for your specific vehicle with your accountant.

How it works

1. Tell us about your business and the vehicle in the short form below.
2. A licensed broker calls you, usually within one business day, to talk through your options.
3. 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 pest management licence details
• Your ABN, and GST registration details if registered
• Recent BAS and business bank statements, or tax returns if they're up to date
• Copies of regular commercial service contracts, if you have them
• 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.

Pest control vehicle finance guides

• Small business car loans
• Low doc car, ute and van finance
• Financing a ute: what tradies should know
• Equipment finance
• How low doc loans work for seasonal businesses
• Tax deductions for business vehicle loans

Common questions

Can the chemical storage fit-out be included in the loan?

Often, yes, if it's supplied with the vehicle or on the same invoice. Fit-outs added later may need separate equipment finance. Some lenders limit how much of a specialised fit-out they'll fund.

I've just left an employer to start my own pest control business. Can I get finance?

Possibly. Some lenders consider new ABNs where you hold a pest management licence and have a solid track record in the industry, especially with a clean credit file or a deposit.

My work is seasonal. Does that matter?

Lenders understand seasonal income. A full year of BAS or bank statements shows the overall pattern, and recurring commercial contracts help smooth out the quieter months.

Does it matter for finance whether I choose a ute or a van?

Both are commonly financed. The choice mainly affects how the fit-out works and possibly the tax treatment, since many utes and vans aren't subject to the car limit. Check the details with your accountant.

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.