Transport and logistics finance

Transport and Logistics Finance for Trucks, Trailers and Fleet Growth

Fund trucks, trailers, fleet replacement, depot equipment and operating cash flow. We help transport operators present utilisation, contracts and maintenance risk clearly.

Request a finance assessment Call (02) 8313 3879

Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

  • Australia-wide lender access
  • Initial review before formal lender application
Finance options

What may fit your situation

Common need

Truck and trailer finance

Prime movers, rigid trucks, refrigerated vehicles, trailers and material-handling equipment.

Common need

Fleet refinance

Review multiple facilities, balloons and repayment timing across the fleet.

Common need

Fuel and operating cash flow

Bridge timing gaps between freight costs and customer payment.

Transport credit view

What do transport finance lenders look at?

A transport-finance application links the vehicle or equipment to the work that will repay it. Lenders may review fleet age, kilometres, maintenance, contract quality, customer concentration, fuel and toll exposure, driver model and recent bank conduct.

For a new truck or fleet expansion, explain whether the asset replaces existing capacity or supports additional contracted work.

  • Current fleet list and finance schedule
  • Quotes or purchase documents for the asset
  • Freight contracts, customer mix or recent invoices
  • Fuel, toll, insurance and maintenance assumptions
  • Deposit, trade-in and proposed balloon
Bank or specialist lender

When can a specialist transport lender be worth comparing?

A bank may suit a strong existing customer with standard assets and complete financial evidence. A specialist non-bank lender may assess different asset ages, business histories or documentation. That does not automatically make one route cheaper or easier.

Compare total cost, deposit or equity, balloon, early repayment rules, security and the lender’s appetite for the actual vehicle and transport segment.

How it works

A transport-finance application built around the asset and the work

Connect the vehicle, contracts and cash flow before choosing a lender.

1

Define the asset and job

Identify the truck, trailer or fleet requirement, purchase price, seller, deposit or trade-in and the work the asset will perform.

2

Review transport cash flow

Check freight receipts, customer concentration, fuel, tolls, maintenance, existing fleet repayments and recent account conduct.

3

Compare lender appetite

Match asset age, business history, documentation and required term to bank and specialist lender policies.

4

Compare the whole structure

Review repayment, balloon, fees, security, conditions and flexibility before deciding whether to proceed.

Frequently asked questions

Questions business owners ask before applying

It is finance used for transport assets or operating needs, including trucks, trailers, vans, fleet replacement and working-capital gaps linked to freight and logistics activity.

Potentially. Specialist lenders can have different asset and credit policies, but the business still needs a credible repayment source and the vehicle must meet lender rules.

Yes, but equipment debt and working-capital debt usually solve different problems. A truck may suit asset finance, while fuel, wages or timing gaps may suit a separate working-capital or revolving facility.

Options may exist, but lenders usually require stronger owner experience, equity, security, contracts or other evidence because there is less trading history.

Start with business bank statements, financial information, existing fleet and debt schedules, the vehicle quote, customer or contract evidence and a clear explanation of how the asset will be used.

Keep researching
Solution

Asset and equipment finance

Match vehicle and equipment funding to useful life.

Read more →Solution

Working capital loans

Fund payroll, stock and operating timing gaps.

Read more →Guide

Application document pack

Prepare a lender-ready file.

Read more →
Talk through the options

Financing a truck, trailer or fleet change?

Tell us the asset, price, business history and what work will repay it. We can compare likely bank and specialist-lender pathways before formal submission.

Request a finance assessmentCall (02) 8313 3879
Get Finance Options