Business finance
Trucks, trailers and work vehicles
From a single work ute through to a truck and dog combination or a growing fleet, we finance the gear that keeps Australian transport and trade businesses earning. We use the terminology you use, not banking jargon.
Owner-drivers to fleets
First truck under an ABN or the tenth prime mover — different lenders, different structures, same specialist.
New, used and private sale
Older units and private sales are common in transport. We know which lenders are comfortable and what they need.
Structured around cash flow
Terms, deposits, balloons and seasonal considerations discussed up front so the repayment fits the work.
What we can finance
Truck, Trailer & Commercial Vehicle Finance — the detail
A broad view of what fits under this category. If what you're buying isn't listed, ask us anyway — unusual assets are our favourite kind of problem.
Trucks
- Prime movers
- Rigid trucks
- Tippers
- Pantechs
- Refrigerated trucks
- Crane trucks
- Tilt trays
- Tow trucks
- Concrete agitators
- Water trucks
- Vacuum trucks
- Waste trucks
- Livestock trucks
- Service trucks
- Light trucks
Trailers
- Semi-trailers
- Dog trailers
- Truck and dog combinations
- Tipper trailers
- Flat tops
- Drop decks
- Low loaders
- Refrigerated trailers
- Curtainsiders
- Tankers
- Car carriers
- Livestock trailers
- Plant trailers
Commercial vehicles
- Work utes
- Vans
- Delivery vehicles
- Company cars
- Fleet vehicles
- Buses
- Coaches
Funding options are subject to the asset, supplier, applicant and individual lender policy.
Run the numbers
See what it looks like before you commit
Estimates only — but a good place to start a real conversation.
Step 1 — the purchase
Finance the machine
Estimated finance repayment
$3,692.11 / month
Amount financed $180,000 over 60 months.
Step 2 — the upside
What could this asset add to your business?
Use a conservative figure — extra hours, jobs or output the asset makes possible.
Estimated monthly summary
Projected additional revenue
$14,000
Additional operating costs
− $5,970
Finance cost
− $3,692
Estimated net additional monthly profit
$4,338
Annualised $52,055
Annual revenue impact
$168,000
Annual operating + finance cost
$115,945
Annual net position
$52,055
This calculator provides estimates only and does not constitute financial advice, a finance approval or a guarantee of business performance. Actual repayments, costs and business outcomes may differ.
Structure considerations
The things worth thinking about before you sign
What follows is general information about how commercial facilities can be structured. What applies to your business depends on your entity, the asset, the lender and advice from your own accountant.
Capital purchase or usage-based
Some businesses prefer to own the asset outright over time; others prefer a facility that behaves more like an operating cost with a defined end value. Which is appropriate depends on how long you intend to hold the asset, expected utilisation and your own accounting position.
Balloons and residuals
A balloon or residual can reduce the periodic repayment but increases the amount owing at the end of term and can increase total cost. Availability and limits vary by lender, asset type and age.
GST and the purchase price
Where a business is registered for GST, the treatment of GST on the purchase and on the facility can differ between products. This is a matter for your accountant or tax adviser based on your registration and reporting position.
Depreciation and deductibility
Depreciation, interest deductibility and any concessions that may apply are determined by tax law and your circumstances — not by us. We are happy to provide the finance detail your adviser needs to form a view.
Term matched to the asset
Lenders generally look for a term that reasonably reflects the useful life of the asset. Longer terms lower repayments but increase total interest; acceptable terms vary by asset type, age and lender policy.
Seasonality and repayment timing
Where a business has a genuine seasonal pattern, some lenders may consider structures that reflect it. Availability is not universal and is subject to assessment.
Working with your adviser
We work alongside your accountant, not around them
Your accountant knows your numbers and your tax position. We know lender policy and how facilities are structured. The best outcomes happen when both sides are in the same conversation — and we are happy to have it directly with them.
- We are happy to speak directly with your accountant, bookkeeper or adviser (with your permission)
- We provide the facility detail, structure options and figures your adviser needs to form a view
- We do not provide tax, accounting, legal or investment advice
- We will not push a structure your adviser is not comfortable with
- Where a deal has an existing broker or adviser relationship, we work alongside it rather than around it
Information about accounting, tax, GST, depreciation or deductibility is general in nature only and does not take your circumstances into account. Finsterl Finance is not an accountant, tax agent or financial adviser and does not provide tax, accounting, legal or financial product advice. Please obtain advice from your own qualified adviser before making a decision. All finance is subject to lender assessment, eligibility criteria, terms and conditions.
Start here
Get numbers on my next truck
Two short steps and a real specialist picks it up — usually the same business day.
Not sure which option fits?
Tell us what you're buying and we'll tell you honestly where you stand — before you sign anything.