Financetherig,finishthejob,getpaid.
Specialist truck finance for owner-drivers and small fleets. We know which lenders write what, and we'll structure the deal for your tax position.
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Three reasons owner-drivers use a specialist broker.
We understand the transport game
Kilometres, loads, contracts, fuel bills, maintenance, downtime and cash flow. We understand that if the truck isn't moving, you're not earning — and we know how to explain your business to a lender.
The right lender for the truck AND the driver
A new prime mover, a 10-year-old truck, a trailer or your next addition to the fleet — different lenders look at them differently. We know who finances what, so you're not wasting time knocking on the wrong doors.
Repayments that make sense on the road
The cheapest rate isn't always the best deal. Deposit, balloon, term and monthly repayment all affect your cash flow. We structure the finance so you can keep diesel in the tanks, maintain the truck and still have money left after the repayment.
Loan basics.
A general guide to how finance may be structured for a typical owner-driver truck loan. Larger fleets, multiple-vehicle purchases and more complex commercial structures are assessed through specialist commercial lenders, with terms tailored to the business.
- Loan term
- Up to 7 yrs
- Indicative rate
- From 6.99%
- Max amount
- $500k+
- Decision time
- 1–3 days
Who finances trucks with us.
- Owner-drivers replacing the prime mover or rigid.
- Small fleet operators (2–5 trucks) adding capacity.
- Subcontractors who've just won a haulage contract and need the equipment to fulfil it.
- Tradies stepping up from a ute to a small light commercial truck.
We run files across the majors and the specialists.
Different lenders price different combinations of asset, term and credit profile — that's the whole point of running a panel.
- FlexiCommercial
- Dynamoney
- Scotpac
- Shift
- Angle Finance
- Banjo
- Finance One
- Grow Finance
- Maple Finance
- Azora Finance
- Resimac
Three steps from contract to delivery.
- 01
Tell us the truck
Year, make, model, GVM, intended use. New or used, dealer or private.
- 02
Structure the deal
Chattel mortgage vs hire purchase vs operating lease — we explain the trade-off for your tax position.
- 03
Approval and settlement
Truck files take 1–3 days for assessment; settlement direct to the dealer or vendor.
Won a regional run for a major supermarket distributor. Needed the rigid on the road in 10 days. Londy had us approved through Capital Finance and settled with five days to spare.
Sample testimonial — replace with a real Google review before launch.
Common questions before you sign.
What's the difference between a chattel mortgage and a hire purchase?
Chattel mortgage: you own the truck from day one, the lender holds a charge over it, and you claim the GST upfront. Hire purchase: the lender owns it until the final repayment, and the GST is claimed across each repayment. Most operators choose chattel mortgage for the upfront GST cash flow.
Can I finance a used truck from a private seller?
Yes. Truck finance writes private sales on the same terms as dealer purchases. We'll need a PPSR clearance, current registration and a roadworthy where applicable. Settlement happens by EFT direct to the seller.
Do I need 2 years of business financials?
No. You don't need to have been in business for two years to finance a truck. We can finance established businesses, newer ABNs and, with the right application, even Day 1 businesses. Depending on the lender and your circumstances, we may use BAS, bank statements, industry experience, existing contracts or projected income instead of two years of full financials.
Can you finance the truck and the trailer together?
Yes — we can structure as one combined facility or two separate loans depending on your tax position and the lenders' policies. Modular setups (prime mover plus trailer) often go to commercial-equipment specialists rather than truck-only lenders.
How does end-of-loan work — balloon, residual or fully amortised?
Truck loans frequently include a balloon (lump sum at the end) which keeps monthly payments lower but costs more in total interest. Some operators prefer fully amortised so the truck is theirs free and clear at the end. We'll show you both numbers before you sign.
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