Business finance
Business Loans For Used Car Dealers
Working capital, equipment, and growth finance for used car dealers — matched to your revenue and time trading, not a generic credit score.
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Australian trades
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How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for used car dealers and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for hoists, diagnostic tools, and workshop equipment as you grow.
- Working capital for parts, stock, and the wait on customer payments.
- One application across lenders that fund motor and vehicle trades.
How it works
Simple next steps
- 1Tell us the equipment or cash flow you need and your trading history.
- 2We match it to lenders that fund workshops and vehicle trades.
- 3You compare the options and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Used Car Dealers
For a used car dealer, finance is the engine of the business — your cash is constantly tied up in stock on the yard. Floorplan and working-capital finance let you buy stock at auction and on trade-ins, recondition and present it, and hold a fuller yard without draining your bank, with facilities scaling from the ~$60,000 mark upward depending on how many units you carry. The faster you can restock after a sale, the more you can sell.
Working capital also covers reconditioning, detailing, roadworthies and the wages and overheads that run regardless of how a month is selling. Cockatoo helps match you to a lender who understands a stock-heavy dealership and the buy-recondition-sell cycle, rather than treating you like a service business with steady invoices.
Common questions
Used Car Dealers — business loan questions
What is floorplan finance for a used car dealer?
Floorplan finance funds the stock on your yard, letting you buy vehicles at auction and on trade-ins and pay the facility back as each car sells. It keeps your yard full without locking up all your own cash, and Cockatoo helps match you to a lender who offers it.
Can finance cover reconditioning and roadworthies?
Yes. Working capital can fund the detailing, mechanical reconditioning and roadworthy work that gets a car sale-ready, plus the wages and overheads in between sales. That keeps stock moving onto the yard and out the gate without straining your cash.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.