Specialist lending solutions for trucking companies, freight operators, courier services, and logistics businesses. From owner-operators to national fleets, we structure finance that works with your cash flow.
We understand the unique cash flow cycles and asset requirements of the transport industry.
Access finance secured against your trucks, trailers, and depot assets. We understand transport assets depreciate differently to passenger vehicles and structure chattel mortgages and finance leases accordingly.
Debtor finance and invoice factoring to bridge cash flow gaps when large customers take 60-90 days to pay. Release up to 80% of invoice value within 24 hours to keep your trucks moving.
Growth funding for new contract wins, fleet expansion, depot acquisitions, and fleet management technology. We help you scale quickly when major customers come calling with volume.
Transport operators can't wait weeks for finance decisions. Our streamlined assessment process and strong lender relationships mean indicative terms within 24 hours for most applications.
Access transport-specialist financiers who assess fleet utilisation metrics, cost-per-kilometre analysis, and understand seasonal freight patterns that mainstream banks overlook.
Our team has structured finance for owner-operators through to ASX-listed logistics companies. We understand fuel hedging, driver costs, subbie structures, and margin compression.
Specialist truck finance and commercial lending across the entire Australian transport and logistics supply chain.
Linehaul, interstate, and metro distribution
Last-mile delivery and parcel services
Heavy haulage, oversize loads, tankers
Refrigerated transport and storage
Warehousing and fulfilment centres
Single truck operators and sub-contractors
Livestock, grain, and farm logistics
Tippers, concrete, building materials
Structured solutions designed for the transport and logistics industry.
Finance for new and used prime movers, rigid trucks, trailers, and specialised transport equipment.
Multi-vehicle funding solutions for growing fleets with consolidated management and reporting.
Commercial property finance for depots, distribution centres, and cold storage facilities.
Cash flow solutions to manage payment cycles and fund operational growth.
Australia's transport industry includes over 60,000 registered operators, from single-truck owner-drivers to publicly listed logistics companies. Most banks apply generic lending criteria that penalise operators with seasonal cash flow, subcontractor structures, or older fleet assets.
A specialist transport finance broker understands fleet utilisation metrics, cost-per-kilometre analysis, and the difference between linehaul and metro distribution economics. We match your application to lenders who actively seek transport sector business.
Key industry metrics that inform how lenders assess transport finance applications.
Road freight dominates Australian logistics, carrying over 75% of domestic freight by value. Strong demand supports truck values and financing appetite.
Last-mile delivery demand continues surging, driven by online retail growth and same-day/next-day delivery expectations across metro and regional areas.
Australia has one of the world's lowest warehouse vacancy rates. Strong demand supports depot and distribution centre asset values for finance purposes.
Percentage of billable kilometres versus total kilometres driven is the primary efficiency metric lenders assess when evaluating trucking businesses.
Asset-secured finance (chattel mortgage, hire purchase, finance lease) is favoured over unsecured lending, with trucks providing strong security positions.
Refrigerated logistics and third-party logistics (3PL) represent the fastest-growing transport sub-sectors, attracting strong lender interest.
From first call to settlement, we keep things moving.
We discuss your fleet, contracts, and growth plans to understand your needs.
We structure finance around your cash flow cycles and asset requirements.
We present your application to the right lenders for your specific situation.
We manage the process through to settlement so you can focus on your business.
Common questions about truck finance, fleet funding, and logistics business lending in Australia.
Yes, we have specialist lenders who finance trucks up to 15-20 years old depending on make, model, condition, and business strength. Kenworth, Mack, and Volvo generally attract better terms. Some lenders specifically target used commercial vehicle finance.
Absolutely. We work with owner-operators daily and have lenders who understand subcontractor arrangements, ABN-only applications, and single-asset transport businesses. Strong utilisation and a good customer spread improve approval chances.
Typically: 2 years of financial statements or tax returns, 6-12 months of BAS statements, asset quote or invoice, details of existing contracts or customers, and a current schedule of vehicles if you have an existing fleet.
Yes, we structure multi-asset facilities covering prime movers, trailers, forklifts, pallet jacks, and other transport equipment. This often achieves better rates and simplifies administration versus separate loans.
We provide indicative terms within 24 hours for most applications. Formal approval typically takes 2-5 business days depending on complexity. Low-doc options are available for strong applicants needing faster turnaround.
Yes, several lenders actively seek contract-backed transport businesses. Long-term contracts with blue-chip customers (supermarkets, manufacturers, logistics companies) can support higher borrowing capacity and better rates.
Book a consultation with a specialist transport finance broker who understands your industry. No obligation, no cost, just expert advice on your best finance options.
Or call 03 9020 2699 to speak with our transport finance team
