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Truck finance broker
Truck and heavy vehicle finance solutions
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Finance from over 90 lenders
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Support from application to settlement
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Borrow $10K to $500K
Specialists in light, medium, and heavy truck finance Australia-wide
Explore truck finance options for your business
Loans starting from
$10K to $500K
Whether you’re purchasing a rigid truck, a prime mover, a tipper, or expanding a commercial fleet, securing the right finance structure is critical to keeping your operations moving and your cash flow intact. Truck finance is a specialist area — the vehicles involved are high-value, the loan structures are more complex, and the lender requirements differ significantly from standard vehicle finance.
We assist owner-operators, transport businesses, and fleet operators in exploring truck finance options that align with their operational needs, income profile, and business structure. Our approach is practical and transparent, with a focus on finding solutions that work for how your business actually operates.
With access to over 90 banks, specialist commercial vehicle lenders, and private funders, we help clients across Australia explore finance options for light commercial trucks through to heavy haulage vehicles — without the complexity of navigating multiple lenders on your own.
Experienced support
Supporting Australians with truck finance solutions.
Wide lender access
Access to major banks, specialist lenders, and private funding sources.
Practical approach
We help structure applications designed to support your business asset needs.
Expert truck finance solutions
We manage the truck finance process on your behalf — from lender identification and application preparation through to documentation and settlement. Our role is to simplify a complex process and help your business move forward with the right vehicle and the right finance structure.
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Light commercial truck finance
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Medium and heavy rigid truck finance
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Prime mover and semi-trailer finance
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Owner-operator truck finance
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Refrigerated and temperature-controlled vehicle finance
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Fleet and multi-unit truck finance
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Chattel mortgage and commercial hire purchase structures
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Refinancing existing truck loans
Our team works to match your finance structure to your business cash flow, tax position, and how the truck will be used — whether you're an owner-operator running a single unit or a transport business managing a growing fleet.
Financing Older or High-Kilometre Trucks
Many trucks in commercial operation are older vehicles with significant kilometres — and lenders treat these assets differently from standard passenger vehicles. Some lenders apply strict age and kilometre restrictions, while specialist commercial vehicle funders take a more flexible approach, particularly for well-maintained assets with verifiable service histories. The vehicle's condition, make, configuration, and residual value all play a role in how lenders assess the security. We assess the asset details upfront and match your application to lenders whose policies are suited to the specific vehicle — avoiding wasted applications and unnecessary credit enquiries.
Truck Finance Structures — What Options Are Available
Truck finance can be structured in several ways depending on your business type, GST registration, and how the vehicle will be used. A chattel mortgage allows the business to own the asset outright at settlement while using it as security, with potential GST and depreciation benefits for eligible businesses. Commercial hire purchase is another option where ownership transfers at the end of the term. Finance lease arrangements may suit businesses that prefer to return or upgrade assets at the end of a set period. Each structure carries different accounting, tax, and cash flow implications. We work through these options with you and recommend you confirm the tax treatment with your accountant before proceeding.
Truck Finance for Owner-Operators
Owner-operators face a unique set of challenges when applying for truck finance. Income can be variable, business financials may be complex, and the asset values involved are often substantial. Lenders assess owner-operator applications differently from fleet businesses, and the documentation requirements can vary significantly. Some lenders are more experienced with the transport industry and understand the realities of owner-operator cash flow, seasonal fluctuations, and contract-based income. We work with owner-operators regularly and understand how to present these applications in a way that gives them the best chance of a suitable outcome — including navigating low-doc options where applicable.
Business Vehicle Finance and Tax Considerations
For business owners, the way a vehicle is financed can have meaningful tax and cash flow implications. Structures such as chattel mortgage allow the business to claim the vehicle as an asset, with potential GST and depreciation benefits depending on your circumstances. Novated leasing may be suitable for employees with salary packaging arrangements. The right structure depends on how the vehicle is used, your business entity type, and your broader financial position. We work alongside your accountant or financial adviser where needed to ensure the finance structure is appropriate — though we always recommend seeking tax advice from a qualified professional.
What Lenders Consider When Assessing Truck Finance
Truck finance applications involve a broader set of assessment criteria compared to standard vehicle loans. Lenders typically consider the borrower's credit history, business financials, trading history, existing debt commitments, the type and condition of the truck, its intended use, and the strength of the business's cash flow. For larger loan amounts, some lenders may also look at the business's contract or revenue position. Access to a wide lender panel matters significantly in this space — policies vary considerably between mainstream banks and specialist commercial funders. We identify the most suitable lenders for your specific situation before any application is lodged.
OUR LENDING PARTNERS
Established truck finance network
We work with major banks with expedited processing options, specialist lenders, private funders, and alternative finance providers. This access allows us to support both standard fast-tracked applications.
Our lender relationships provide priority processing pathways and can support rapid decision-making.
We prioritise transparency and suitability, even in urgent situations.
A broker who understands the commercial transport industry
Every truck finance application is different. The type of vehicle, how it’s used, the structure of your business, and your income profile all influence what lenders will consider and on what terms. A standard approach rarely fits the realities of commercial transport.
We provide clear guidance, realistic timelines, and consistent communication throughout the finance process — so you know where things stand and can focus on running your business. Our focus is on finding suitable options and supporting better outcomes for owner-operators and transport businesses across Australia.
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Start your loan enquiry and receive priority attention from our team.
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For urgent situations, call us immediately to discuss rapid funding options.
Truck loan specialists
Dedicated brokers managing finance applications with priority.
Frequently Asked Questions
Yes, though the lender pool and documentation requirements may differ from a salaried applicant. Some lenders are experienced with variable and contract-based income common in the transport industry. Bank statements, BAS statements, and business financials are often used to demonstrate serviceability. Structuring the application correctly for your income type is important — we work with owner-operators regularly and understand how to approach these scenarios.
Yes, significantly. Lenders apply different policies when it comes to commercial vehicle age and odometer readings. Mainstream lenders may decline older or high-kilometre trucks, while specialist commercial vehicle funders can take a more flexible view — particularly where the asset is well-maintained and has a verifiable service history. We assess the vehicle details upfront and match your application to appropriate lenders before anything is lodged.
With a chattel mortgage, the business takes ownership of the truck at settlement and the vehicle is used as security against the loan. Potential GST and depreciation benefits may apply depending on your eligibility and how the vehicle is used. With a commercial hire purchase, the lender retains ownership during the loan term, with ownership transferring to the borrower upon final payment. Each structure has different accounting and tax implications — we recommend confirming the most appropriate option with your accountant before proceeding.
Yes, though private sale and auction purchases can involve additional steps compared to a standard dealer transaction. Documentation requirements vary by lender, and some funders have specific policies around auction purchases, particularly for unregistered or as-is vehicles. We'll assess the purchase type as part of the initial conversation and identify lenders whose policies align with how you're acquiring the vehicle.
Deposit requirements vary by lender, loan amount, vehicle type, and borrower profile. Some lenders will consider truck finance without a cash deposit, while others — particularly for higher-value or older vehicles — may require a contribution upfront. A deposit can also improve the terms available and expand the lender pool. We'll discuss this with you as part of the initial assessment so you have a clear picture before the process begins.
Yes. Multi-unit and fleet finance arrangements are available through a number of commercial lenders. The structure of these facilities varies — some lenders assess each unit individually while others offer portfolio-style arrangements for established transport businesses. The right approach depends on your business size, trading history, and how the fleet is being used. We can help explore the options that suit your operational structure.
Timeframes depend on the lender, the complexity of your application, the value of the vehicle, and how quickly documentation can be provided. Straightforward applications from established businesses can move relatively quickly. More complex scenarios — such as owner-operators, older vehicles, or larger loan amounts — may require additional assessment time. We'll give you a realistic timeline based on your specific situation before lodging anything.
Yes. Refinancing an existing truck loan is worth exploring if your current arrangement no longer suits your business — whether due to cash flow pressures, rate concerns, or a change in circumstances. The vehicle's current age and condition, the remaining loan balance, and your business's financial position all factor into whether refinancing is viable and beneficial. We can help you assess this before committing to a direction.
Requirements vary by lender and application type, but generally include proof of identity, business financials or tax returns, bank statements, ABN and GST registration details, and information about the truck being purchased. Owner-operators may also need to provide BAS statements or evidence of contracts or regular income. We'll provide a clear document checklist based on your specific situation before the process begins — so nothing is missing when it counts.
It depends on the nature of the credit issue, when it occurred, and the overall strength of your application. Some specialist commercial lenders will consider applications with adverse credit history, particularly where the business is trading well and the issue can be explained. Mainstream lenders tend to have stricter eligibility criteria in this area. We assess your situation honestly before recommending a direction — and we'll give you a realistic picture of your options rather than lodging applications that are unlikely to succeed.