Commercial Vehicle Finance
Drive Your Next Car, Sooner.
BIXCEL is a non-bank commercial lender funding business vehicle purchases from $5,000 to $50,000 - with same-day approvals, 1-day ABN accepted, and all visa types welcome except Visitor, Working Holiday and Refugee.
- 1-Day ABN Accepted
- Most Visas Accepted
- Interest-Free Early Payout*
- Approval in Hours
Why brokers write vehicle deals with BIXCEL
- Deals other lenders can't do - new ABNs, short-term trading, visa holders
- Pre-approval in 1–2 hours, settlement same day
- Halfway Payout Advantage - pay out early with zero remaining interest*
- Australian-owned, direct access to credit decision-makers
- 256-bit SSL Encryption
- Data Protected at Every Step
- 100% Australian Owned & Operated
- Trusted by Brokers Nationwide
$5k–$50k
Loan Amount Range
1–2 hrs
Pre-Approval Time
Same day
Settlement
6–24 mo
Loan Terms
The Halfway Payout Advantage
Pay out early. Pay principal only.
Once your client passes the halfway mark of their loan term, they can pay out the loan in full with no early-termination fee and no remaining interest - only the outstanding principal balance is payable. It's ownership, accelerated.
Subject to a clean repayment history
$0
Termination Fee
$0
Remaining Interest
*Halfway Payout Advantage: available after completion of at least 50% of the contracted loan term, subject to a clean repayment history with no dishonours or arrears. Payout amount equals the outstanding principal balance at the date of payout. Fees are current as at publication and subject to change; waivers may be withdrawn where the account is in default. Asset eligibility criteria apply, including a maximum asset age of 20 years at the end of the loan term.
Weekly Repayment Calculator
Own it. Don't rent it.
Many gig-economy and small-business drivers pay around $300 per week renting a vehicle - and own nothing at the end. Show your client what the same money does with BIXCEL.
$20,000
Loan term
Your client's weekly repayment
$358 / week
BIXCEL vs. renting at $300/week - over 24 months
BIXCEL Vehicle Loan
$358/wk
Vehicle Rental
$300/wk
"Better off" compares total rental outlay against total loan repayments less the financed vehicle value retained by the client at end of term (before depreciation, running costs and fees). Illustrative only - not financial advice.
Indicative repayment example only. BIXCEL Pty Ltd is the direct lender. Final repayment amounts are subject to credit assessment, approval, lending criteria, and any applicable fees and charges. This is not an offer of finance. Commercial lending only
What We Fund
Broad asset acceptance - built for how your clients earn
From rideshare to repairable write-offs, BIXCEL funds the vehicles other lenders won't touch - anywhere in Australia.
Rideshare & Taxi
Vehicles used for Uber, DiDi, taxi and other point-to-point passenger work are fully accepted - the income stream that pays the loan.
Delivery & Gig Work
Uber Eats, DoorDash, parcel and food delivery vehicles welcome. Perfect for gig-economy clients building their own business.
Repairable Write-Offs Accepted
Previously written-off vehicles are accepted, provided they are repaired, inspected and currently registered for road use.
Private & Dealer Sales
We fund purchases from licensed dealers and private sellers alike - giving your client the freedom to buy the right vehicle at the right price.
Australia-Wide, No Restrictions
Metro, regional or remote - there are no location restrictions. If the client and vehicle are in Australia, we can fund the deal.
Vehicles Up to 20 Years Old at Term End
We accept older vehicles too - as long as the vehicle will be no more than 20 years old at the end of the loan term.
Other Income-Generating Assets
Beyond vehicles, we also consider other revenue-producing assets on their merits - such as excavators, food trailers and similar working equipment.
Excluded: Performance Vehicles
High-performance and prestige sports vehicles are not accepted. Every asset we fund must be genuinely income-generating for the business.
Transparent Fees
On-track repayments? Almost nothing extra to pay.
We keep fees simple and fair. When your client's repayments run on schedule, ongoing account costs are waived - the fees below only apply if a payment fails.
Direct Debit Fee
$0 - currently waived
Every scheduled repayment processes free of charge.
Account Maintenance
$0 while on track
Waived entirely unless a dishonour occurs on the account.
Dishonour Fee
Only charged if a scheduled debit is returned unpaid.
Late Payment Fee
Only applies when a repayment is missed and remains overdue.
Pay on time, pay no extras. Clients who keep their repayments on schedule pay zero direct debit fees and zero account-keeping fees for the life of the loan - and unlock the Halfway Payout Advantage with no termination fee and no remaining interest.
1. Consultation
Only 10 minBroker submits the deal with BIXCEL's dedicated loan specialist supporting the application end-to-end.
2. Contract Sign
Only 10 minOnce details are verified, the contract is issued digitally for secure e-signature.
3. Pre-Approval
1–2 hoursEfficient, risk-based credit assessment with approval typically within two hours.
4. Settlement
1–2 hoursFunds transferred so your client can pick up their vehicle - and own it from day one.
Fast & Hassle-Free
Application to keys - same day
No red tape. A fintech-driven, paperless process built so brokers can settle vehicle deals in hours, not weeks.
Visa Holders Welcome
We accept all visa types - with only three exceptions
Where other lenders shut the door on visa holders, BIXCEL says yes. Students, skilled workers, partners, graduates - if your client holds a valid visa and runs a business, we'll look at the deal.
- Student Visa
- Skilled Worker
- Partner Visa
- Graduate Visa
- Bridging Visa
- All Other Visas
- Visitor
- Working Holiday
- Refugee
Broker Channel Only
Distributed exclusively through accredited brokers
BIXCEL does not lend direct to the public. Every vehicle loan is originated through our accredited broker network - your clients stay your clients.
100% Broker-Introduced
No channel conflict, ever. We never market to or refinance your client away from you.
Deals Other Lenders Can't Do
1-day ABNs, short-term trading history, and most visa types accepted (excl. Visitor, Working Holiday & Refugee) - including student entrepreneurs.
Simple Product, Fast Cycle
$5k–$50k commercial vehicle loans over 6–24 months. Quick approvals mean faster settlements and faster commissions.
How to submit a deal
Lodge through studentcarloan.com.au or any BIXCEL-accredited broker. Not yet accredited? Accreditation is fast and free.
Vehicle Finance FAQs
Looking for more information?
We've made it easy for you to find everything you need here.
Stop your clients renting. Start them owning.
Join Australia's fastest-growing commercial vehicle lender panel. Accreditation takes minutes - your first deal could settle today.
Commercial lending only. BIXCEL provides finance for business and commercial purposes only and does not provide credit regulated by the National Consumer Credit Protection Act 2009 (Cth). Loans are available only to entities holding a valid ABN where the asset is used wholly or predominantly for business purposes.