Why Rivercity Finance
Rivercity Finance is a specialist Australian asset-finance brokerage that has arranged hundreds of millions of dollars in vehicle and equipment lending across the country. When Rivercity Fleet finds you the vehicle, Rivercity Finance makes sure you don't overpay to fund it.
Most car buyers only get one quote, the one the dealer puts in front of them at the desk. That's not shopping around, that's the dealer's finance manager doing what pays them best. Rivercity Finance runs your deal against 40+ lenders simultaneously with a single application, then presents the sharpest option with the terms and rate that actually suit you.
Commercial finance
If you have an ABN, whether you're a sole trader, company, partnership or trust, commercial finance is almost always the smarter path than consumer finance. Business rates are typically sharper, the GST treatment is more favourable, and repayments can be structured against your cash flow.
- Chattel mortgage, the workhorse of business vehicle finance. You own the vehicle from day one, claim the GST back on the purchase, and depreciate it as a business asset. Fixed terms, fixed repayments.
- Low-doc finance, for sole traders and newer ABNs (as young as 6 months) without a full set of financials. Approvals up to $250K without tax returns for the right applicants.
- ABN loans, no-doc / light-doc options for established ABNs, often approved within 24 hours.
- Fleet finance, single-facility solutions for businesses buying multiple vehicles. Shared line of credit, one settlement, one contact.
- Equipment & heavy vehicle finance, if the vehicle is a truck, ute, van, trailer, excavator, forklift or anything else that earns its keep, Rivercity Finance funds it.
Consumer finance
Buying a car in your personal name? Rivercity Finance covers you too. Consumer car loans through the same 40+ lender panel, with rates that beat what the dealer quotes almost every time.
- Secured consumer car loans, competitive fixed rates from 6.79% p.a. (rates change, current pricing quoted on enquiry).
- Bad-credit and non-conforming options, if the mainstream banks have said no, we have specialist lenders who look at the whole picture.
- Pre-approval before you shop, walk into any dealership knowing your budget and rate. Stops finance managers from playing games.
What makes Rivercity Finance different
- One dedicated broker from enquiry to settlement. No call centre, no handoffs, no chasing.
- 40+ active lender panel, from the big four banks through to niche specialists and low-doc lenders most brokers don't have access to.
- Full Australian Credit Licence holder (ACL 539918), so we're legally obligated to place you with the loan that suits you, not the one that pays us most.
- Fast turnarounds, most straightforward deals approved same-day or next-day.
- Genuinely independent, we're not owned by a lender, a dealer, or a manufacturer. We work for the borrower.
How it fits with a fleet-price request
When you tick "Yes" to finance on the fleet-price form, your Rivercity Fleet specialist loops in a Rivercity Finance broker the same day. The pricing and finance land in your inbox together, not weeks apart. One conversation, one application, one settlement.
You're never obligated to use Rivercity Finance, plenty of clients use their own bank or existing finance. But if you do, you get a broker who knows exactly what car you're buying, exactly what it's worth (because we sourced it), and exactly what structure suits your situation.
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