Product Guide · Dec 2025

Rent To Buy is the leading commercial asset alternative when lenders say 'no'

ARG's Rent To Buy solution helps Australian businesses access the vehicles they rely on to earn a living – even when traditional finance providers can't help.

Who is ARG?

We're not a lender. There are no loans or interest rates. We're commercial rental specialists who help small businesses, sole traders, and contractors get the work vehicles they need.

5yr

Commercial rental agreement

12mo

Until first buyout option

5/10

Lost deals converted

Clawback rate – ever

Why Rent To Buy exists: Thousands of capable operators are locked out of traditional finance due to new ABNs, credit issues, irregular income, visa status, or life disruptions. Rent To Buy bridges that gap.

What Rent To Buy is (and what it isn't)

A five-year commercial rental agreement with the option to purchase outright after twelve months. Option pricing steps down every year.

✓ Rent To Buy is:

A five-year commercial rental agreement
Weekly rental payments for use of the vehicle
The right to purchase outright every 12 months
A practical path for clients rebuilding or starting out

✗ Rent To Buy is not:

A form of finance
A high-interest loan
A chattel mortgage or novated lease
A replacement for mainstream finance
A last-resort option for "problem clients"

A purposeful, structured solution bridging the gap between a client's current circumstances and where they want to be.

Weekly rental model – no finance involved

✗

No interest rate

✗

No comparison rate

✗

No loan term

✗

No amortisation

How ARG's Rent To Buy Solution Works

Many operators can't earn without a vehicle, and can't become finance-ready without earning first. Rent To Buy breaks that stalemate.

Pathway to ownership built into the rental structure

Clients can purchase outright after 12 months. Option pricing reduces every year.

Those rebuilding after a financial event
Those new to business needing 12–18 months of trading history
Those who need a reliable work vehicle now

Weekly rental payments, not loan repayments

Rent To Buy uses a weekly rental model which means:

✗ No interest rate ✗ No comparison rate ✗ No loan term ✗ No amortisation schedule

The client is renting a commercial asset for business use. This structure creates predictability and removes the barriers that typically exclude early-stage or recovering clients from accessing the vehicle they need.

Approval centred on earning potential

Focuses on what the client can reasonably earn with the right vehicle.

Type of work the client does
How essential the vehicle is to their income
Whether rental is affordable based on earning potential
Whether the vehicle positions them for increased income

Where ARG Fits in Your Toolkit

Rent To Buy fills the space where clients are capable and ready to earn – but don't meet rigid criteria.

Criteria	Banks	Non-bank lenders	Rental / Operating lease	ARG's Rent To Buy
ABN age required	12–24 months minimum	6–12 months	Varies	1 day old ABNs accepted (must be GST registered)
Credit score weight	High	Medium	Low	Not used
Defaults / past credit issues	Usually declined	Often declined	Case-by-case	Future earning potential prioritised
Income requirements	Full documentation	Lite / alt-doc possible	Employer or fleet-style	Flexible – based on ability to earn with the vehicle
Asset focus	Broad (passenger + commercial)	Broad	Wide variety	Utes, vans, passenger vehicles, and small trucks ("vanilla assets")
Upfront cost	Deposit required	Deposit required	First rental period; often deposit as well	Mandatory First Payment required
Asset ownership	Client owns the asset	Client owns the asset	Generally no ownership	ARG owns the asset (client has buyout option)
Contract type	Finance / loan	Finance / loan	Rental	Commercial rental (with buyout option)
Client suitability	Established, low-risk	Emerging / established	Medium–large businesses	New ABNs, contractors, some visa holders, clients with messy financial past
Speed of approval	Slow	Fast	Fast	Moderate with Standard Product. Quicker with Fast Lane option
Tolerance for inconsistent income	Very low	Low–medium	Low	High – future potential matters more than history
When brokers use it	Prime clients	Mid-tier clients	Fleet needs	Clients that don't fit elsewhere

Why Brokers Partner with ARG

Rather than delivering a decline, you deliver a solution.

Incremental Revenue

Unlock lost business

Convert up to 5/10 previously lost deals. New revenue, not diverted.

No Clawbacks

5% commission (6% in-stock)

Once paid, it's yours. Zero clawbacks – ever.

Expanded Toolkit

Always have an option

New ABNs, recovering credit, visa holders, contractors.

Client Loyalty

Sticky relationships

They return for insurance, upgrades, future finance.

Commission: 5% standard, 6% in-stock. Under $2K paid at settlement. Over $2K: 50% at settlement + balance after 4 weekly payments.

Who Rent To Buy Is For

How to spot an ARG client in 60 seconds:

✓ Well-aligned

New business owners – ABNs from day one
Credit challenges – Defaults, Part 9, discharged bankruptcy
Proven earning potential
PR & select visa holders

✗ Not the right fit

Clean credit – loan is better
Rate shoppers
Casual renters
Personal-use drivers – ARG is for commercial use ONLY

Non-negotiables

Must have:

Active ABN (GST by settlement)
Afford MFP + weekly rental
Legitimate business need

Must demonstrate:

Income potential
Australian resident
Cover all operating costs

ARG's Product Suite

Three products. Click to explore.

⚡

Fast Lane: Same-day approval

Clean, simple scenarios with lowest-risk combinations.

All criteria must be met:

✓Vanilla commercial asset

✓Price ≤ $50,000

✓Within 10%/$1K of FMV

✓< 12 years old

✓< 200,000 km

✓Citizen or PR

✓Not existing ARG client

✓Defaults < $10K

✓Evidence of work need

✓Non-remote location

✓Licensed dealership

✓MFP ≥ 15% (from 6% for in-stock)

📋

Standard: Flexibility & structuring

The Standard Product is ARG’s core approval pathway. Any deal that doesn’t meet Fast Lane criteria moves here because it needs the benefit of manual review, professional judgement, and deal structuring.

This is where ARG applies its strength: understanding context, evaluating earning potential, and shaping a workable agreement that supports the client responsibly.

High-value/specialised vehicles (over $50K)
Defaults above $10K or thin credit
Private vendor (mandatory inspection, 20% MFP minimum, vendor ID)
Visa holders (non-citizen, non-PR)
Outer regional or remote location clients
Higher-risk profiles that require contextual understanding
Client lacks 15% MFP

Process: External valuation (24hr), two-step review, ~36–48hr turnaround.

🚐

In-Stock: Fastest, lowest barrier

Workshop-checked ARG vehicles, ready to go.

No sourcing delays
Known service and condition history
Mandatory First Payment from just 6%
Fast Lane eligible when other criteria are met
Faster settlement compared to externally sourced
6% broker commission

Most accessible pathway into Rent To Buy.

Check out the in-stock assets →

Feature	Fast Lane	Standard	In-Stock
Best for	Clean, simple vanilla-asset scenarios	Complex deals needing flexibility	Clients needing speed + lower upfront entry
Assessment	Auto same-day	Manual, contextual review	Fast Lane eligible when criteria met
Valuation	Internal FMV check	External valuation required	N/A (already vetted)
MFP requirement	≥ 15% (from 6% for in-stock)	Typically 15-20% depending on risk	From 6%
Asset type	Vanilla commercial	Broader, incl. higher value	Verified ARG stock
Turnaround	Same day	36–48hr	Fastest route to settlement
Commission	5%	5%	6%

Vehicles & Sourcing

ARG’s asset policy is a cornerstone of how our Rent To Buy model works. Because our solution is built around a client’s earning potential, the vehicle must be reliable, commercially practical, and capable of supporting consistent income.

We focus on “vanilla assets” that hold their value, demonstrate predictable performance, and directly contribute to the client’s work.