Tell us the vehicle and we will come back to you.
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Business-purpose finance for ABN holders. New or used, from a dealer or a private seller.
We look across a panel of commercial lenders and bring back the real options, then explain the differences in plain terms.
Term and structure matched to how your business actually earns, rather than a template applied to everyone.
Delivery income, subcontractor agreements and seasonal work do not always look tidy on paper. We understand how these businesses run.
Speak with Kulwinder in English, Punjabi, Hindi or Urdu, and have the documents walked through before you sign anything.
You do not need to be in a particular pocket of Mickleham. If you hold an ABN somewhere around here and you are looking at a car, ute, van or truck for the business, that is a phone call, not a trip into the city.
Plenty of our clients are further out again, across Melbourne and interstate. Most of the process happens by phone, email and message, so where you park the vehicle at night is rarely the issue.
The same broker from the first call through to settlement.
A chat about your business and the vehicle. No application, no credit check yet.
We look at which lenders suit you, then talk you through the real options.
We put together a clean application and send it to the right lender.
We handle the seller, the lender and the paperwork through to settlement.
Truck and asset finance broker, based in Melbourne.
Kulwinder arranges business vehicle finance for RateBridge, working directly with ABN holders across Melbourne. Before finance, he drove taxis and trucks and ran his own fleet, so he understands the practical side of running a vehicle for business, not just the application process. Kulwinder is proud to support Melbourne's Punjabi, Hindi and Urdu-speaking business community, and is available to speak with clients in English, Punjabi, Hindi or Urdu.
Questions
Yes. RateBridge Finance is based in Craigieburn, a few minutes down Mickleham Road, and arranges business-purpose vehicle finance for ABN holders in Mickleham and the surrounding growth corridor. Broker Kulwinder Singh speaks English, Punjabi, Hindi and Urdu.
Often, yes. We arrange business-purpose finance for ABN holders, including sole traders, for vehicles used mainly for business. Whether you qualify depends on the lender and your circumstances, and all finance is subject to lender approval. A first conversation involves no application and no credit check.
All of it. Merrifield, Annadale, Cloverton, Newbury, Willowdale, the Merrifield Business Park area, and everywhere along Mickleham Road and Donnybrook Road. We also work with ABN holders across Melbourne and Australia-wide.
Often, yes. Some lenders consider newer ABN holders and some do not. It depends on the lender and your circumstances, so it is worth a conversation before you rule yourself out.
Often, yes. Used vehicles within reasonable age and condition are considered, and private sales can usually be arranged with a few extra checks on the vehicle and the seller. What is available depends on the vehicle and the lender.
Yes. We work with a range of lenders, including some that consider operators with past credit issues. All finance is subject to lender approval, but it is worth a conversation.
A balloon payment is a lump sum still owing at the end of the loan term. It lowers your regular repayments during the term, and the trade-off is that you usually pay more total interest over the life of the loan, with that lump sum still to be dealt with at the end. You can pay it out, refinance it, or cover it by selling or trading the vehicle, though nobody can promise what the vehicle will be worth by then. For tax questions, your accountant is the right person to ask.
Yes. We only arrange business-purpose finance for ABN holders. No home loans and no personal loans.
Tell us the vehicle and the language you would rather speak, and we will call you back. The first call costs nothing and commits you to nothing.
