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Business Finance Insights

Plain-English guides to funding, cash flow and growing an Australian business.

  • Abstract illustration in the 121 Brokers green palette showing a ute outline and a truck outline side by side on a highway line, with a repayment bar chart beneath each

    Vehicle Finance

    Business ute and truck finance for Northern Rivers tradies and carriers

    Utes, vans, tippers and prime movers for Northern Rivers trades, carriers and farm fleets: what changes for the lender between a light commercial and a heavy vehicle, new against used and private, repayment shape, tax treatment in brief, and cross-border registration.

    121 Brokers Team · · 13 min read

  • Abstract illustration in the 121 Brokers green palette showing a balance curve falling from left to right and levelling out into a solid block at the end, the balloon payment

    Vehicle Finance

    Cash or Finance? What Buying That $70k Ute Really Costs

    Cash is cheaper on pure cost. A $70,000 ute example shows when a five-year chattel mortgage with a 30% balloon wins anyway: the return on the cash, the buffer, and tax.

    121 Brokers Team · · 13 min read

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