Tradies Finance
Perth
Utes, tools, equipment and the house too — finance built for how tradies actually earn, with low-doc options and 24-hour approvals.
24h
Ute & equipment approvals · low-doc
Is this you?
You're on the tools, the ute's on its last legs, and you can't afford a fortnight of paperwork.
You're a sole trader or subbie whose income looks 'messy' to a bank but is actually rock solid.
You want to buy a home but you've been knocked back because you're self-employed.
Your business is growing and you need equipment earning before the next big job starts.
Sound familiar? A free 15-minute chat is the fastest way to see your options — book one here.
How TAG helps Perth tradies
Approvals in 24 hours, not weeks
Ute and equipment finance typically approves within 24 hours. Tell us the deadline and we'll pick a lender that hits it.
Low-doc that understands trade income
BAS statements, bank statements or an accountant's letter can stand in for full financials. Invoiced income counts — we know which lenders read a subbie's books properly.
Home loans for the self-employed
Being your own boss shouldn't lock you out of a mortgage. We know which lenders assess self-employed income generously — including with just one year of financials.
Structure that helps at tax time
Chattel mortgages on work vehicles and equipment generally let business users claim interest and depreciation — set up right from the start (your accountant confirms the specifics).
What we finance for tradies
Utes & Work Vehicles
New, used or private sale — chattel mortgage or loan, approved in about 24 hours.
Tools & Equipment
From compressors to excavators. Finance that has the gear earning before it's paid for.
Home Loans
Self-employed-friendly lenders, low-doc options, and brokers who can read a subbie's books.
Business Cash Flow
Overdrafts and invoice finance to bridge the gap between doing the work and getting paid.
How it works for tradies
Call
Tell us what you need and when. Early morning and after-site calls welcome.
Docs
Usually just your ABN, ID and bank or BAS statements. We do the rest.
Approve
Equipment and vehicles in about 24 hours. Home loans a few days more.
Back to work
Funds settle, gear's on site, and we're a phone call away next time.
Run your numbers
Indicative market rates as at 19/07/2026: variable 5.80%–6.20% · 1yr fixed ~5.75%. Actual rates depend on your circumstances.
Monthly Repayment
$3,555
- Total Interest
- $679,793
- Total Repaid
- $1,279,793
Estimate only — not a formal assessment or loan offer. Results use simplified assumptions; your actual position depends on your full circumstances. Speak to a TAG broker for a free, personalised assessment.
Finance terms every tradie should know
Low-doc doesn't mean no-doc: it means proving income with BAS or bank statements instead of two years of full financials — made for sole traders and subbies whose real income beats what their tax return suggests.
A chattel mortgage is the go-to for utes and equipment: you own the asset outright from day one, the lender holds security over it, and business users can generally claim the interest and depreciation.
The instant asset write-off rules change year to year — whether you can deduct the full cost of equipment immediately is a question for your accountant, but the finance structure we set up will be ready either way.
Proof, not promises
Equipment finance approvals typically within 24–48 hours.
“Five-star service from all involved, what a team!... you guys always have great patience and persist.”
“They go above and beyond to help and make the entire process easy and hassle free!”
Common Questions
Can I get finance as a sole trader without full financials?
Yes. Low-doc finance uses your BAS statements, business bank statements or an accountant's declaration instead of complete financials. For ute and equipment finance it's routine; for home loans, several lenders accept self-employed applicants with just one year of figures.
How fast can I get a ute or equipment financed?
Approval typically within 24 hours, sometimes same-day, and settlement a day or two after. If the gear is sitting at a dealer or auction with your name on it, tell us the pickup date and we'll work backwards from it.
How long do I need an ABN before I can get finance?
Many lenders want two years, but several accept 12 months — and a few will look at day-one ABNs with a solid work history in the same trade. GST registration helps. Don't assume you're too new; ask us first.
Can tradies get home loans with irregular income?
Absolutely. The trick is lender choice: some average your last two years, some take the most recent year, some work from BAS. The same subbie income can support very different borrowing amounts depending on the lender — we pick the one that reads your books best.
Should the ute go on the business or in my name?
If it's mainly for work, a chattel mortgage in the business generally gives the best tax outcome — interest and depreciation are typically deductible. Mostly personal use points the other way. We set up the structure; your accountant confirms the tax side.
Does equipment finance hurt my chances of a home loan later?
It's counted in your commitments, so it has some effect — but far less than maxed-out credit cards do. Structured well (sensible term, no oversized balloon), equipment finance and a mortgage co-exist fine. Tell us the home-loan plan and we'll structure today's finance around it.
Gear, ute or house — let's get it sorted
24-hour approvals on equipment. Early morning calls welcome. Free for most deals.
The information on this page is general in nature and doesn’t take into account your objectives, financial situation or needs. Consider whether it’s appropriate for your circumstances before acting on it. TAG Financial Group — Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647. Our Credit Guide explains how we’re paid and how we work for you.