Truck finance, trailer finance, fleet upgrades and working capital for Australian transport and logistics operators. We access specialist lenders with real appetite for this sector — not banks that treat every truck like a car loan.
Trucks, prime movers, refrigerated units, and specialist trailers have residual values that vary significantly by age, specification, and market conditions. Lenders without transport appetite often apply conservative LVRs that don't reflect true asset quality.
Owner-drivers operating under transport contracts have income patterns that don't fit standard employment serviceability models. We structure the credit narrative around contract value and fleet utilisation — not salary equivalents.
Transport businesses replace vehicles on cycles driven by kilometres, contract requirements, and regulatory compliance — not arbitrary loan terms. We structure facilities to match your operational fleet lifecycle.
High variable operating costs affect serviceability modelling. We adjust the credit submission to reflect actual free cash flow after operating costs — not a generic expense ratio that overstates margin risk.
Rigid trucks, prime movers, B-doubles and multi-combination vehicles. Access to transport-specialist lenders with appropriate LVR, term, and residual value structures for heavy commercial assets.
Flat trays, curtain-siders, refrigerated trailers, tippers, and tankers. Financed on their own merit — not forced through generic equipment finance channels with inappropriate residuals.
Cold chain vehicles, crane trucks, concrete agitators, and other specialist configurations. Lender selection based on appetite for the specific asset class — not just commercial vehicle finance in general.
Refinancing an ageing fleet, replacing multiple vehicles at once, or structuring a new fleet facility ahead of a contract win. We manage the submission across multiple assets and lenders where required.
Bridge fuel, maintenance, and compliance costs between contract payments. Revolving facility structured around your payment cycle — not a standard business loan with inflexible monthly repayments.
Finance for sole operators and small fleet owners. We work with lenders who understand contract-based income and can assess serviceability on a transport-specific basis.
A regional transport operator in Queensland needed to replace two ageing rigids and add a third vehicle ahead of a new contract with a national retailer. Their existing bank offered finance on one vehicle only, citing concerns about fleet concentration and the operator's trust structure.
We restructured the submission around the contract value, asset quality, and the operator's 11-year conduct history with their existing lender. We selected a transport-specialist funder who understood the asset class and had current appetite for fleet expansion in logistics. All three vehicles were submitted in a single package with a coordinated settlement date.
Result: All three vehicles approved within four business days at competitive rates. Contract commenced on time.
Client details anonymised. Results vary by applicant profile and lender appetite.
We understand how lenders assess transport and logistics operators — the revenue patterns, asset profile, and credit narrative that makes the difference between approval and committee referral.
Confidential · No Credit Impact
