Banks treat trucks like car loans. The right lenders understand asset valuations, owner-driver income structures, and fleet replacement cycles. We know which ones.
Prime movers, refrigerated units, specialist trailers. Residual values that vary significantly by age, spec, and market conditions. Lenders without genuine transport appetite apply conservative LVRs that cost you more in deposit than you should need to pay.
Contract-based income does not fit standard employment serviceability models. We structure the credit narrative around contract value and fleet utilisation, the numbers that actually reflect your capacity to repay.
Transport businesses replace vehicles based on kilometres, contract requirements, and compliance obligations. We structure facilities to match your operational lifecycle rather than forcing an asset into a mismatched loan term.
Fuel, tolls, maintenance. High variable 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 your risk.
Rigid trucks, prime movers, B-doubles, multi-combination vehicles. Business vehicle finance from transport-specialist lenders with appropriate LVR, term, and residual value structures for heavy commercial assets.
Flat trays, curtain-siders, refrigerated trailers, tippers, tankers. Financed on their own merit, not forced through generic equipment channels with inappropriate residuals that leave you exposed at end of term.
Cold chain vehicles, crane trucks, concrete agitators, specialist configurations. Lender selection based on genuine appetite for the specific asset class.
Refinancing an ageing fleet, replacing multiple vehicles at once, or structuring a new fleet facility ahead of a contract win. We manage submissions across multiple assets where required.
Bridge fuel, maintenance, and compliance costs between contract payments. A revolving facility structured around your payment cycle, not a standard business loan with inflexible monthly repayments.
Vehicle finance for small business operators and sole operators. We work with lenders who understand contract-based income and 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. Cited fleet concentration concerns and the trust structure.
We rebuilt the submission around contract value, asset quality, and the operator's 11-year conduct history. Selected a transport-specialist funder who understood the asset class and had current appetite for fleet expansion in logistics. All three vehicles 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.
Krishna understands how lenders assess transport operators. Asset valuations, contract income structures, and the credit narrative that separates a fast approval from a long delay.
Confidential · No Credit Impact