When a growing landscaping company approached us recently, they had a clear goal: expand and upgrade their vehicle fleet to support a 32‑person team. Their existing vehicles were aging, unreliable, and increasingly unable to meet the demands of heavy‑duty haulage, crew transport, and daily site logistics. They needed a solution that balanced practicality, cost‑effectiveness, and long‑term value.
At Motorlend, we worked closely with them to deliver a tailored asset‑finance solution that delivered the “right ute for the job,” and kept their cash flow healthy.
We began by mapping out how the business operates day to day:
From there, we defined criteria that the vehicles would have to meet:
That meant a standard “dual‑cab commuter ute” wasn’t going to cut it. The right choice needed to perform under pressure.
Buying multiple vehicles outright would have drained working capital and limited their ability to invest in other growth areas (e.g. staff wages, equipment, materials). Instead, we structured a commercial asset‑finance plan that matched repayments to their cash flow.
We evaluated available finance options, including chattel mortgage, hire purchase and commercial‑vehicle finance structures commonly used for business‑owned vehicles.
Because utes and commercial vehicles tend to hold value reasonably well (when maintained), and because the business anticipated steady revenue, this structure kept monthly repayments manageable without enormous upfront capital.
We also factored in:
The result: a payment schedule that aligned with their cash flow, protected working capital, and allowed them to keep investing in operations.
With finance sorted, we turned to selecting the right vehicles. We assessed a handful of ute and commercial‑grade options, not just on price, but on suitability. Key factors we weighed:
We avoided over‑spec’ing (which would hurt repayments) but also avoided under‑spec’ing (which would lead to frequent breakdowns or unreliable performance).
Because we broker across multiple lenders and have access to vehicle‑acquisition partners (including trade‑ins and pre‑owned options), we could balance value against fit‑for‑purpose carefully. This ensured the client got a ute fleet that met real business demands.
One of the biggest advantages of using a dedicated asset‑finance broker like Motorlend is speed and simplicity. Rather than dealing directly with a large lender or bank, we handled everything: submission, lender negotiation, documentation, and approval.
This meant the client could secure funding quickly and take delivery of vehicles with minimal downtime. Again, critical when you have staff waiting for work.
In short: the business continued to operate while we sorted the finance.
By the end of the process they walked away with:
Because we managed the heavy lifting from finance structuring to lender negotiation to documentation, the owner could focus on what matters: growing the business, scheduling jobs, and managing their team.
Business vehicle finance gives companies the ability to access quality, purpose‑built assets without large upfront capital outlay. Rather than buying outright (which can strain cash flow), a structured finance plan lets you spread costs, maintain liquidity, and scale efficiently.
For trades, landscaping, agriculture, logistics or any business that relies on vehicles or commercial equipment, this can be a game‑changer.
At Motorlend we specialise in commercial asset finance: whether it’s utes, trucks, machinery, or other business-critical assets. We help you choose the right asset, structure the finance, and make the process as smooth as possible.
If you’re a business owner looking to expand, upgrade or replace commercial vehicles or equipment, reach out. We’ll take the time to understand your needs, and structure a solution tailored to your cash flow, business model and long-term growth plans.
To make asset finance simple, efficient and built around your success, get in touch.
