What is asset finance?

Asset finance allows Australian businesses to acquire equipment, vehicles, or machinery by spreading costs over time rather than paying upfront. The financed asset is used as security, helping businesses maintain cash flow while securing essential tools.

How does equipment finance work in Australia?

Equipment finance in Australia allows businesses to fund the purchase of machinery, vehicles, or technology through products like chattel mortgage, finance lease, or commercial hire purchase. A broker like Asset Finance Partners matches you with the right lender from a panel of 40+ banks and non-bank lenders.

How quickly can I get pre-approved for asset finance?

Asset Finance Partners typically provides pre-approval responses within 24 hours for standard applications. Same-day responses are available for qualified borrowers.

Do I pay a fee to use Asset Finance Partners?

No. Asset Finance Partners charges no broker fee to clients. Our fee is paid by the lender upon settlement.

What types of assets can be financed?

Asset Finance Partners finances vehicles, trucks, trailers, construction equipment, excavators, cranes, agricultural machinery, medical and dental equipment, manufacturing equipment, technology, and fitouts across all major industries.

Does Asset Finance Partners operate across all of Australia?

Yes. While our team is based in Bondi Junction, Sydney, we arrange asset finance and equipment finance for businesses across all Australian states and territories including NSW, VIC, QLD, WA, SA, and regional areas.

What is a chattel mortgage?

A chattel mortgage is a common business finance product in Australia where the lender takes a security interest over the asset while you own it from day one. It offers potential tax advantages including GST claims and depreciation deductions for eligible businesses.

Can I get vehicle finance for my business through Asset Finance Partners?

Yes. Asset Finance Partners arranges business car finance, commercial vehicle finance, truck finance, ute finance, van finance, and fleet funding for ABN holders across Australia.

Truck Finance Australia

Truck Loans & Heavy Vehicle Finance Australia-Wide

Asset Finance Australia provides specialist truck finance solutions for individuals, owner-drivers, contractors, transport operators, and businesses across Australia. We help clients secure competitive truck loans and heavy vehicle finance for new and used trucks, trailers, prime movers, and commercial transport equipment.

Whether you are purchasing a single work truck, expanding a transport fleet, replacing ageing vehicles, or financing specialised heavy vehicles, we structure truck finance solutions aligned with lender policy, vehicle type, business usage, and long-term affordability.

We arrange truck finance Australia-wide, supporting clients in Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart, Darwin, and regional Australia.

Our truck finance solutions cover:

Prime mover finance
Semi truck finance
Rigid truck finance
Tipper truck finance
Refrigerated truck finance
Tray truck finance
Flatbed truck finance
Crane truck finance
Fleet finance
Trailer finance
New truck finance
Used truck finance
Low doc truck finance
ABN truck finance

Truck Finance Solutions for Owner Drivers, Businesses & Fleet Operators

Our truck finance solutions are designed for a wide range of industries and borrower types across Australia.

We regularly assist:

Owner-drivers
Self-employed operators
Transport and logistics businesses
Civil and construction contractors
Mining and resource operators
Agricultural and rural businesses
Refrigerated transport operators
Courier and delivery businesses
Waste management companies
Fleet and multi-vehicle operators

Owner Driver Truck Finance

Owner-driver truck finance is one of the most common forms of heavy vehicle lending in Australia. We assist owner-drivers purchasing their first truck, replacing ageing vehicles, refinancing existing transport assets, or expanding operations.

Fleet & Transport Business Finance

We also assist transport businesses and logistics operators requiring multiple trucks, trailers, or commercial vehicles as part of broader fleet expansion strategies.

Types of Trucks & Heavy Vehicles We Finance

Asset Finance Australia arranges finance for a broad range of trucks and heavy commercial vehicles, including:

Prime movers
Semi-trucks
Rigid trucks
Light trucks
Medium trucks
Heavy trucks
Tipper trucks
Refrigerated trucks
Tray trucks
Flatbed trucks
Curtain-side trucks
Crane trucks
Pantech trucks
Tilt tray trucks

Truck Brands We Commonly Finance

We regularly assist clients financing:

Kenworth
Volvo
Scania
Isuzu
Hino
Freightliner
Western Star
Mack
Mercedes-Benz
UD Trucks
DAF
MAN

Our truck finance solutions are structured around the vehicle’s age, condition, intended usage, kilometres, and expected working life.

New & Used Truck Finance Australia

New Truck Finance

We arrange finance for new trucks purchased through dealers across Australia. New truck finance solutions may offer longer loan terms, flexible repayment options, and competitive lender pricing depending on borrower profile and asset type.

Used Truck Finance

Used truck finance is available for dealer and private-sale vehicles across Australia.

Lenders commonly assess:

Truck age
Kilometres travelled
Vehicle condition
Compliance standards
Remaining economic life
Commercial suitability

We regularly assist clients financing used prime movers, older heavy vehicles, and interstate truck purchases.

Truck Finance Structures Available in Australia

Chattel Mortgage Truck Finance

Chattel mortgages remain one of the most common truck finance structures used by Australian businesses and self-employed operators.

This structure allows ownership from settlement while spreading repayments over an agreed loan term.

Truck Loans

Truck loans provide straightforward funding solutions for individuals and businesses purchasing commercial transport vehicles.

Truck Leasing Australia

Truck leasing solutions may suit businesses seeking greater cashflow flexibility, fleet management benefits, or higher-value transport asset funding.

Hire Purchase Truck Finance

Hire purchase arrangements allow structured ownership over time through fixed repayment schedules aligned with operational cashflow.

Low Doc Truck Finance Australia

Low doc truck finance solutions may be available for self-employed borrowers, contractors, and business owners who may not have full financial documentation available.

Depending on lender policy, low doc truck finance may utilise:

BAS statements
Business bank statements
Accountant declarations
ABN history
GST registration

Low doc truck finance is commonly used by:

Owner-drivers
Trades businesses
Contractors
Transport operators
Small business owners

Why Specialist Truck Finance Structuring Matters

Truck finance is significantly more specialised than standard vehicle finance.

Incorrectly structured truck finance applications can result in:

Declined applications
Higher interest rates
Reduced lender options
Shortened loan terms
Large balloon repayment issues
Restrictions relating to truck age or kilometres

At Asset Finance Australia, we structure truck finance solutions aligned with lender policy, transport industry requirements, borrower profile, and vehicle usage from the outset.

Truck Finance Australia-Wide

Truck Finance Sydney

We assist transport operators, logistics businesses, couriers, and owner-drivers across Sydney and New South Wales.

Truck Finance Melbourne

We assist Victorian transport operators and businesses financing trucks, trailers, and commercial fleet vehicles.

Truck Finance Brisbane

We arrange truck finance solutions for Queensland transport businesses, contractors, and logistics operators.

Truck Finance Perth

We assist mining, civil construction, and long-haul transport operators across Perth and regional Western Australia.

Why Choose Asset Finance Australia

Asset Finance Australia provides:

Access to a broad panel of Australian lenders
Truck finance solutions Australia-wide
Finance for new and used trucks
Flexible truck loan structures
Low doc and ABN truck finance options
Finance for dealer and private sales
Specialist heavy vehicle finance expertise

We focus on practical, lender-aligned truck finance solutions tailored to real-world transport and operational requirements.

Frequently Asked Questions

Can I get finance for a used truck?

Yes. Used truck finance is available for dealer and private-sale trucks subject to lender policy, truck age, kilometres, and condition.

Can I finance a truck through my ABN?

Yes. Many lenders offer ABN truck finance solutions for self-employed operators and businesses.

Can I get truck finance with low documentation?

Low doc truck finance may be available using BAS statements, accountant declarations, or business bank statements.

Can I finance a truck from a private seller?

Yes. Private-sale truck finance is available subject to lender approval and vehicle eligibility.

Can I finance multiple trucks?

Yes. Fleet finance solutions are available for businesses expanding transport operations or purchasing multiple vehicles.

Speak With a Truck Finance Specialist

If you are seeking truck finance in Australia, Asset Finance Australia can assist with structuring a competitive and lender-aligned solution tailored to your truck, business, and operational requirements.

We specialise in:

Truck loans
Heavy vehicle finance
Prime mover finance
Owner-driver finance
Trailer finance
Transport equipment finance

Enquire today to speak with a truck finance specialist at Asset Finance Australia.

Asset Finance Partners