Can I Get Finance with No Deposit?

Yes, zero-deposit finance is available for many Australian business assets, including commercial vehicles, heavy machinery, and office equipment. In many cases, lenders are willing to fund 100% of the purchase price—and occasionally associated costs like GST or delivery—provided the asset itself acts as adequate security.

Approval without an upfront cash deposit largely depends on your business's overall risk profile and serviceability. Lenders typically review your ABN registration history, credit file, and trading bank statements. Established businesses or sole traders with strong cash flow are best positioned to secure 100% LVR finance at competitive interest rates.

Choosing zero-deposit financing allows you to preserve valuable working capital for daily operational expenses. However, borrowing the full purchase amount increases your regular repayment size and total interest costs over time. Some business owners balance this trade-off by adding a balloon payment at the end of the loan term.

Finding the right zero-deposit loan requires matching your business requirements with the right lender policy. A Lonix broker can compare lenders across the market and help structure the loan to protect your cash flow while securing the equipment your business needs.