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Small Business Loans

Drive your business further with a tailored vehicle loan from Metro. 

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Why choose Metro for small business loans?

Take the next step in growing your small business with fast, reliable, and tailored vehicle and equipment loans from Metro

Metro Finance is an award-winning independent Australian lender. Since 2011, we’ve been helping Aussie customers with their asset finance needs, supporting individuals and businesses on life’s journey.

As a Metro customer, you’ll enjoy a range of benefits, including:

  • Real, human, Australia-based service
  • Award-winning customer service
  • Competitive rates
  • No monthly fees
  • Fast approvals and turnaround times

Finance types on offer

As a small business owner, you have a range of finance products from Metro to choose from:

  • Commercial Finance Agreement – which allows businesses to purchase work vehicles.
  • Finance Lease – an agreement that allows a business to use an asset for an extended period, typically the asset’s economic life, without bearing the full cost of ownership.
  • Novated Lease – offering the benefits of salary packaging, which allows employees to use their pre-tax income to cover vehicle loan repayments and other bundled expenses. 

Metro’s loan process

The steps to securing finance with Metro couldn’t be simpler. We pride ourselves on providing fast, transparent and easy business loan approvals through our trusted broker network.

01 /

Get in contact with your broker

At Metro, we work with a national network of trusted brokers who can guide you through the loan application process.

02 /

Alternatively, reach out to one of our own trusted brokers

Your broker will be able to help you find a finance product that suits your business needs.

Choose from a commercial loan, finance or novated lease package that works for you and your employees. 

03 /

Your broker will handle the rest

Your broker will help you prepare all the necessary paperwork and documentation for your finance application and guide you all the way through the process.

Get tailored loans for:

Passenger vehicles

  • Sedans
  • SUVs
  • Hatchbacks
  • Wagons
  • People Movers

Light commercial vehicles

  • Utes
  • Vans
  • Small delivery vehicles

Agricultural equipment

  • Tractors
  • Harvesters
  • Wheeled handling equipment
  • Self-propelled mower
  • Self-propelled sprayers

Sustainable growth with MetroEco

Our MetroEco asset finance product was specifically designed to make it easier for businesses to invest in green technology and reduce their carbon footprint. 

With MetroEco, you can access a range of green assets including electric vehicles (EVs), chargers, solar panels, batteries and other earthmoving and agricultural equipment, while taking advantage of other great benefits along the way, such as: 

  • 1% discount for new electric and plug-in hybrid vehicles up to $90k
  • 1% discount for eligible wheeled equipment
  • 1% discount for batteries, chargers and solar technology

Low doc car loans

At Metro, we understand time is money. Low doc loans work the same way as regular business loan, but without the hassle of additional paperwork. To get started, all you need to provide is an application form, a signed privacy consent and a proof of identification. 

A low doc car loan:

  • Only requires minimal documentation
  • Applies to vehicles, tools and equipment
  • Vehicles covered: new, used, electric, and plug-in hybrid

To find out more or to get started on a low doc car loan, click here. 

 Loans for startups

Starting a new business? Get the support you need quickly and simply with Metro with a range of financial products designed for business owners starting out. 

Find out more about small business loans with Metro.

Testimonials

Don’t just take our word for it. Hear from some of our thousands of happy customers who have experienced the Metro difference.

Metro are competitive and consistent which makes them a great asset finance option. They take a common sense approach, are quick to respond to queries, applications and settlements and want to work with brokers to make deals happen. They will also give fair reasoning and feedback if a deal doesn't fit, meaning no time is wasted. Great team to work with.

Sean Lester, Podium CP

Metro are by far the best lender I have dealt with in my 40 year career. From application to settlements the whole team are amazing. Customer care team back us as Brokers up with very quick payouts and other information as required. 10 out of 10 from my team at Leasecorp

David Heenan, LeaseCorp

Metro Finance is one of the top asset finance lenders in the country. As a broker, we want predictability and consistency from our lenders. It means we can deliver a great service to our clients, because we can manage their expectations around turnaround times. Metro is best-in-class at this. As they have grown, they have managed to maintain this consistency, which is exceptional.

Alex Moody, Moody Kiddell & Partners

When it comes to providing high value to customers and brokers, look no further. Metros rates are extremely competitive, their approvals are quick, their systems have set an industry benchmark, and their settlements are the best by far. I recommend them to my customers not only because they are all good people, but their overall product and service is consistent, and of the highest quality.

Sean Fowler, EquipFin

The team at Metro Finance are the best out there. So great to deal with a lender that has open clear communication, competitive rates and products. Turnaround times for approvals and settlement are quick which ensures clients are always happy with efficiency. Great overall products, people and policies.

Athba Albazargan, Auto Car Loans

Exceptional service, great products and time efficient processes/systems. In my opinion, Metro’s credit and settlement teams are the best in the industry but also support us with fantastic relationship managers. Best funder to work with professionally and my finance option preference for our lending needs. Changing the way finance in the broker market, Metro work with us as broker partners rather than just the “introducer” only to snub us post settlement like the other lenders do.

Saskia Olsen, Blink Finance Pty Ltd

FAQs

What is commercial finance?

Commercial finance is a range of financial products designed to help businesses with their operations and growth, and usually applies to acquiring business assets, such as cars and machinery.

Start a conversation with a member of our friendly team who will be able to assist you in finding the right finance product for you. 

An accredited Metro broker will be able to help you prepare your loan application and manage the process right up to approval, so it couldn’t be simpler. 

Click here to get in touch with the Metro team.

At Metro, we pride ourselves on fast and flexible finance solutions, and typically a loan application with us only takes between 1-2 days. 

Of course, some loan applications may take longer to process if any issues arise or the application is incomplete or missing required documentation. A Metro broker will be able to guide you through the steps of the loan application process, so you’ll always be in the know.

A commercial loan is usually repaid monthly via Direct Debit from your nominated bank account.

We always recommend talking to an expert like a broker to understand specific loan fees, which can vary depending on the type of finance product you’re applying for and your business’s circumstances.  

 

Some of the common fees you may encounter include:

  • Origination fee – which can be charged to process and evaluate new lending applications.
  • Title and registration fees – which applies to the purchase of the vehicle in your or your business’s name and registering it for the road.
  • Establishment fee – which may be incurred to cover the administrative costs of setting up a loan.
  • Early repayment fee – you may incur this fee if you pay your loan off earlier than originally agreed to and may include any interest that would have been accrued in the full term of the loan.
  • Account keeping fee – can be charged to manage the day-to-day administration of your loan throughout its term period.

Commercial Finance

Competitive business loans for vehicles and equipment

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Personal Finance

Flexible loan terms and competitive finance rates. ​

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Novated Lease​

Salary packaged through an employer or salary packager. ​

Read More

Broker Portal

Efficient and easy to use, catering to all borrowing types.

Read More

Kickstart your small business’ growth now.

Ready to take your business to the next level with the assets you need right away? Let’s start a conversation.