Truck Loans & Equipment Finance
Get your transport business moving with competitive finance for trucks, trailers, and heavy equipment. We arrange chattel mortgages, leases, and hire purchase agreements tailored to your cash flow.
Finance Structures We Arrange
Chattel Mortgage
You own the asset from day one. Claim GST input credits, depreciation, and interest as business expenses.
- ✓ Best for established businesses
- ✓ Tax deductions available
- ✓ Balloon payments optional
Finance Lease
Lower monthly payments with a residual value. Lender technically owns the asset until final payment.
- ✓ Manage cash flow better
- ✓ Claim lease payments as expense
- ✓ Option to purchase at end
Hire Purchase
Similar to chattel mortgage but you take ownership once the final payment is made. Simple structure.
- ✓ Fixed repayments
- ✓ No balloon payment required
- ✓ Ownership at term end
Not sure which structure suits you? We'll explain the tax implications and recommend the best option for your situation.
How It Works
Tell Us Your Needs
Share details about your truck or equipment purchase
We Find Options
Compare lenders and finance structures
Get Approved
Receive funding and acquire your asset
Who We Help
We arrange finance for all types of commercial vehicles and equipment:
Vehicles
- • Prime movers & semi-trailers
- • Rigid trucks & tippers
- • Tow trucks & wreckers
- • Refrigerated trucks
- • Delivery vans & utes
- • Buses & coaches
Equipment
- • Trailers & tankers
- • Excavators & loaders
- • Forklifts & warehousing equipment
- • Agricultural machinery
- • Cranes & lifting equipment
- • Specialized trade equipment
Documents You'll Need
Business Documents
- • Business registration/ABN details
- • Recent financial statements (if established)
- • Tax returns (last 2 years for self-employed)
- • Business activity statements (BAS)
- • Business bank statements (3-6 months)
Asset Details
- • Vehicle/equipment quote or invoice
- • Make, model, year, and specifications
- • VIN or serial number (if known)
- • Condition report (for used assets)
- • Dealer or seller contact details
New businesses may need additional documentation like business plans or proof of industry experience.
Frequently Asked Questions
Ready to Finance Your Next Truck?
Get a competitive quote and compare your options with Australia's leading commercial lenders.
Start Your ApplicationNeed Expert Advice?
Our commercial finance specialists understand the transport industry. Let us help you structure the right deal.
Contact Our TeamImportant Information
FundGuru provides credit assistance under ACL/CRN: ACL123456. AFCA member: AFCA-123456. All applications are subject to lender credit criteria. Fees, charges and terms apply. Information on this website is general and does not take your objectives, financial situation or needs into account. Consider whether it is appropriate for you and seek professional advice where necessary.