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Finance & Leasing

Flexible financing options for your fleet.
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At a glance: Finance and leasing

Fleetcare offers flexible finance and leasing options to help businesses manage their fleet with predictable costs, reduced risk and improved cash flow.
From operating leases to secured loans, our solutions are designed to support different ownership preferences, budgeting needs and fleet strategies.

Fleet finance and leasing solutions for Australian businesses

Fleetcare provides a range of fleet finance and leasing options to help businesses fund and manage their vehicles more effectively.

Whether you’re looking to preserve cash flow, reduce risk or structure your fleet around predictable costs, our solutions are designed to support different business needs and operating models.

What fleet finance and leasing helps you achieve

Choosing the right finance or leasing structure can improve how your business manages vehicles and costs.

With the right solution, you can:

  • Improve cash flow by avoiding large upfront purchases Reduce exposure to residual value risk
  • Consolidate running costs into predictable monthly payments
  • Improve budgeting and cost control
  • Access newer cars through structured replacement cycles Reduce administration associated with managing vehicles

Fleetcare helps you align your fleet finance strategy with your business priorities.

Couple signing car hire paperwork

How Fleetcare finance and leasing works

Fleetcare works with you to understand your fleet requirements and recommend a finance or leasing structure that suits your business.

This typically includes:

  • Reviewing your fleet size, usage and operational needs
  • Identifying the most suitable finance or leasing option
  • Structuring repayments to align with your cash flow
  • Coordinating vehicle sourcing and delivery
  • Managing ongoing fleet costs and reporting

Our approach is designed to give you flexibility while keeping your fleet structured and manageable.

Fleet finance and leasing options

1
Operating lease
2
Finance lease
3
Secured loan
4
Hire purchase
5
Sale & leaseback
6
Vehicle remarketing
Operating lease

An operating lease allows your business to pay for the use of a car and its running costs over an agreed term.

It suits businesses that want predictable monthly costs and regular replacement cycles, while avoiding residual value risk, as Fleetcare manages the vehicle’s disposal at the end of the lease.

Finance lease

A finance lease allows your business to lease a car while effectively paying it down over time.

At the end of the term, you may have options such as paying out the residual and taking ownership, depending on the agreement.

Secured loan

A secured loan allows your business to own the car from day one, with the loan secured against the asset.

This option suits businesses that want ownership while spreading the cost over time, with structured repayments and potential tax benefits depending on usage.

Hire purchase

Hire purchase allows your business to finance a car through fixed repayments, with ownership transferring once the final payment is made.

It provides certainty around repayments while working toward full ownership of the asset.

Sale & leaseback

Access capital tied up in existing fleet cars by selling them to Fleetcare and leasing them back under a lease agreement, can help improve cash flow while allowing you to continue using your cars as normal.

It may also help:

  • Free up capital to reinvest in your business
  • Simplify payments into a structured monthly cost
  • Reduce exposure to residual risk (depending on the lease structure)
  • Transition toward a more flexible fleet model
Vehicle remarketing

Fleetcare can also support your business in selling existing fleet cars as part of your broader fleet strategy.

This helps you:

  • Dispose of vehicles efficiently without managing private sales
  • Support fleet replacement programs
  • Reduce administrative burden associated with asset disposal
  • Transition vehicles out of your fleet with minimal disruption

Why businesses choose Fleetcare for fleet finance and leasing

Fleetcare combines finance expertise with full-service fleet management support.

With Fleetcare, you get:

  • Flexible finance and leasing options tailored to your business
  • Clear, predictable cost structures
  • Support across the full fleet lifecycle
  • National supplier networks and buying power
  • Reporting and insights to support decision-making

We help businesses structure their fleet in a way that supports both operational needs and financial goals.

Finance & leasing FAQs

What is the difference between an operating lease and a finance lease?

An operating lease focuses on using the car without ownership or residual risk, while a finance lease allows you to pay down the car and potentially own it at the end.

Which option is best for my business?

This depends on your cash flow, ownership preferences and fleet strategy. Fleetcare helps you compare options and choose what suits your business.

Can Fleetcare help with selling existing fleet cars?

Yes. Fleetcare can support both selling individual cars and managing broader fleet disposal strategies.

For more finance and leasing FAQ’s, visit our frequently asked questions page.

Talk to a fleet specialist

Speak to Fleetcare about finance and leasing options and find the right solution for your business.

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Disclaimer: This advice is general in nature and based on present taxation laws and may be subject to change. We recommend you seek your own independent financial advice.

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