Business Finance
Truck & trailer finance
for licensed operators.
Rigid trucks, semis, B-doubles, flat-beds, refrigerated trailers — we work with lenders who specialise in heavy vehicle finance.
Heavy vehicle finance done properly
Trucks and trailers are high-value assets — and the finance needs to reflect that. Not all lenders understand the transport sector. We work with specialist heavy vehicle lenders who know how owner-operators and small fleet businesses earn their income and structure their businesses.
Whether you're adding to a fleet, replacing an aging workhorse, or getting your first truck on the road — we'll find a loan that works for your cashflow and operating cycle.
All heavy vehicle types
Rigid trucks, semis, B-doubles, trailers, tippers, refrigerated units — all covered.
Owner-operator specialists
Lenders who understand contract revenue and transport business models.
Flexible terms
Structured around your operating cycle — with or without a balloon payment.
Multiple lenders on panel
Including commercial lenders who specialise in transport and logistics assets.
Who this suits
- Owner-operators buying their first or next truck
- Small to medium transport businesses expanding their fleet
- Businesses replacing end-of-life heavy vehicles
- Contractors who need a trailer or specialised vehicle attachment financed
We can work with new and used heavy vehicles — including high-kilometre working trucks where mainstream lenders often say no.
Truck & Trailer Finance FAQS
Got questions? We've got answers.
Plain English. No jargon. Just the stuff people actually ask us.
What types of trucks and trailers can be financed?
We can help with finance for prime movers, rigid trucks, tippers, refrigerated trucks, tilt trays, tankers, pantechs, flatbeds, curtainsiders, trailers, dollies and other commercial transport assets. Whether you're an owner-driver, fleet operator or business expanding into delivery work, we'll help structure the loan around how the asset will earn income.
Can I finance a second-hand truck with high kilometres?
Yes, depending on the age, kilometres, condition, service history and lender policy. Trucks are working assets, so lenders understand that kilometres and hours can be part of the picture. We'll help present the truck properly, including service records, photos, purchase invoice and any supporting information that strengthens the application.
Can owner-drivers get truck finance?
Yes, owner-drivers may be eligible for truck finance, even if they are building their business or moving from employment into contracting. Lenders may consider industry experience, contracts, income history, deposit, credit profile and the truck itself. We'll help you work out which lender pathway gives you the best chance of a workable result.
Can I include a trailer, body, fit-out or attachments in the finance?
Often, yes. Many truck finance applications can include related assets such as trailers, bodies, cranes, refrigeration units, toolboxes or other business-use fit-outs. The key is showing the full purchase details clearly. We'll help package the quote or invoice so the lender understands the complete setup you need.
Should I use a balloon payment on a truck loan?
A balloon can help reduce regular repayments, which may suit cash flow in transport businesses. However, it leaves a larger amount due at the end of the term, so it needs to be planned properly. We'll compare repayments with and without a balloon and talk through what happens at the end of the loan.
Can I get truck finance approval before an auction or dealer sale?
Yes, conditional approval may be possible before you commit to the purchase. This can be very helpful when buying at auction, negotiating with a dealer or moving quickly on a well-priced asset. We'll help you set a realistic budget and understand any conditions before you bid or sign.