Commercial Truck Finance
Australia

We arrange finance for all major truck brands sold in Australia — including Isuzu, Hino, Fuso, Kenworth, Volvo, Scania, Western Star, Mercedes-Benz Trucks, DAF, UD Trucks and more. New and used vehicles are both eligible.

There is no universally best structure. A chattel mortgage can suit operators wanting ownership from settlement, while lease structures can suit different cash-flow and replacement objectives. Compare total cost, end-of-term obligations and eligible tax treatment for the business.

Many established businesses can access truck finance with $0 deposit (100% finance). Startups or businesses with limited trading history may need 10–20% deposit depending on the lender and truck type. A broker can advise the best approach for your credit profile and situation.

Assessment and settlement timing depends on the lender, application completeness, asset and seller checks.

Yes. Owner drivers with an active ABN can access commercial truck finance. Most lenders require 12–24 months ABN history for full-doc finance. New ABN holders may qualify for low-doc or no-doc products with a larger deposit. A chattel mortgage is the most common structure — you own the truck immediately, claim the upfront GST credit and deduct interest and depreciation. See our owner driver guide →

Rates vary with truck age and type, seller, term, deposit, ABN age, financial evidence and credit profile. Use the calculator for indicative scenarios, then compare the actual rate, fees, balloon and total amount payable in a written offer. See the truck finance rates guide →

Newer trucks can qualify for broader lender policy and longer terms. Older or specialised vehicles may require valuations, deposits or shorter terms. Compare warranty, condition, kilometres, downtime risk and total acquisition cost. Read the full new vs used truck finance guide →

Yes. Trailer units, body fitouts, refrigeration equipment, toolboxes, and other accessories can typically be included in the same facility as the truck — provided the lender is satisfied with the total asset value. This simplifies administration and maximises your tax position by treating the whole combination as a single depreciating asset.

Yes. An ABN is one of the primary requirements for commercial truck finance. Businesses with 2+ years trading typically qualify for full-doc finance. Newer businesses or sole traders may qualify for low-doc or no-doc products depending on the lender and truck value.

A balloon payment is an optional lump sum at the end of your loan term. Setting a balloon — typically 10–30% of the truck’s price — reduces your regular repayments during the term. At the end you can pay it from cash flow, refinance it, or sell the truck and use the proceeds. Unlike a finance lease, a chattel mortgage balloon has no ATO minimum residual, so you can set it at 0% if you prefer to own the truck outright. See the balloon payment guide →