Bus and coach finance
School buses, charter and tour coaches, mini-buses and shuttles. Finance built around how operators actually run — new or used, with balloon options for seasonal income.
Whether you run school routes, charter and tour work or a shuttle service, we arrange the finance and match the vehicle to a lender that understands passenger transport. It's a chattel mortgage, so you own the bus from day one and keep your cash free. New or used, with balloon options to suit how the work flows through the year.
Who it's for
Bus and coach operators, charter and tour businesses, school bus contractors and shuttle services.
School buses to charter coaches
School buses, charter and tour coaches, mini-buses and shuttle vehicles — for a single bus or a growing fleet. If it carries passengers for your business, it's generally financeable, new or used.
Own the bus from day one
Buses and coaches are financed on a chattel mortgage — you own the vehicle from settlement and it's secured against the loan, keeping your working capital free. Business use can bring depreciation into the picture; confirm with your accountant how it applies to you.
New or used buses and coaches
We finance both new and used passenger vehicles. Used buses need a PPSR title check, which we handle, and the age and kilometres of the vehicle will shape which lender from our panel of commercial lenders fits best.
Built around how operators run
Charter, tour and school operators have their own rhythm, and we structure the finance around it. We match the deal to a lender that understands passenger transport and the way the work and the compliance side fit together.
Match repayments to your season
A balloon (residual) lowers the monthly repayment and keeps cash in the business — useful when charter and tour income runs seasonally. We'll structure the term and balloon so the quiet months aren't a strain.
What repayments might look like
A worked example: an $80,000 coach on a chattel mortgage at an indicative 7.5% p.a. over 5 years with a 30% balloon works out around $1,272 a month, leaving roughly a $24,000 balloon at the end. This is an estimate only, excludes fees and charges, is not a quote, and is subject to the lender's assessment.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
School buses, charter and tour coaches, mini-buses and shuttle vehicles, new or used — for a single vehicle or a fleet. If it carries passengers for your business, it's generally financeable on a chattel mortgage.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.