Camper Trailer Business Finance

There are many businesses that require a camper trailer to run their business.  A common use is for onsite accommodation for those working remotely.  Modified recreational vehicles are also popular business choices. For example, the ever-popular mobile coffee and food trailers.  Camper Trailer Business Finance is a great way to finance a camper trailer and tap into the many benefits to business that they offer.

To be eligible to access business finance you must have an ABN and use the camper for business use. Business use is more than 50% of the time..

Camper Trailer Business Finance Options

There are 2 finance options for business owners wanting to purchase a camper trailer.

  1. Camper Trailer Chattel Mortgage
  2. Low Doc Camper Trailer Finance

A chattel mortgage leverages the camper trailer against the finance.  In other words, the finance is secured using the camper trailer.  Up to 100% of the purchase price, plus any accessories and insurance, can be financed using this method.  A chattel mortgage requires proof of income, such as tax returns, bank statements or BAS portal.

However, many businesses do not have their financials up to date.  This is where 'Low Doc Finance' comes in.  Businesses that have struggled to secure finance in the past will find the low doc option much easier. Low doc finance removes much of the red tape that prevents self-employed Australians, business owners, and those without traditional income streams from accessing finance.

Benefits of Camper Trailer Business Finance

There are many specific benefits of purchasing a camper trailer using business finance. These benefits include:

  • GST and other tax breaks
  • ATO Instant Asset Write Off
  • Balloon payment option
  • Fixed interest rates
  • Finance terms from 1 to 7 years
  • Monthly repayment schedule

Read on to find out how these benefits can apply to your camper trailer purchase.

Boosts for Business

Business owners who utilise a business finance option can claim tax deductions and GST benefits if they are an ABN holder. Business registered for GST can claim the GST component of the purchase price in their next BAS.  Businesses may also claim the interest on the camper trailer loan, insurance costs and general maintenance as a tax deduction.

The ATO has introduced the instant asset write-off to help businesses.  Under this scheme, eligible business can immediately a) write off the cost of each asset that cost less than the threshold and b) claim a tax deduction for the business portion of the purchase cost in the year the asset is first used.  The instant asset write-off eligibility criteria and threshold have changed over time.  Please use this link to the ATO to check your business’s eligibility and apply the correct threshold amount.

Balloon payments are a lump sum payment due at the end of the loan term.  This allows borrowers to lock in lower repayments, allowing for more cash flow now, and pay off the larger amount of principal at the end of the loan period.  Alternatively, at the end of the finance term the balloon amount can be refinanced.  This allows for even more financial flexibility.

Finance Calculator – know your repayments!

Our Camper Trailer Finance Calculator is on hand to help you estimate your loan repayments.  It is an important tool for planning ahead and making sure that the new finance commitment fits in with your current cash flow and financial situation.  By gauging the amount you wish to borrow, the term of the loan and an approximate interest rate, this calculator will tell you just how much you are likely to be paying each month.

Get in Touch Today

Want to know more about how to purchase your new business camper trailer?  Our experienced and friendly team are here to answer your questions, quote and take an application.  Applying for finance takes only 5 or so minutes over the phone.  We can even have your finance pre-approved before you have chosen your camper!  Call today on 07 5437 6988 or enquire online.

Keep it Insured

Your camper trailer will need to be comprehensively insured before the finance can be finalised. Comprehensive insurance is a requirement by all camper trailer financiers and protects against theft, fire and accidental loss or damage.  But what about protection for your loan and credit rating?  Gap or shortfall insurance protects the 'gap' between how much is owing on your loan and the pay-out if your camper is written off or stolen.  Loan protection insurance keeps you safe against an unforeseeable loss of income due to accident or illness.  Insurance is essential to protect your camper trailer, your loan and your credit rating.


* Your actual interest rate will be based on a number of factors, including the type and age of the asset you are seeking to purchase; the information you provide during your application and the term of the loan. This rate may be different from our lowest advertised rates. The Comparison Rate is calculated on a Secured Loan of $50,000 fixed for a term of 5 years, effective 9/11/2022 and subject to change. The Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

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