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GCM

GCM (Gross Combination Mass) is the maximum legal weight of a fully loaded vehicle plus anything it tows. Lenders check GCM when assessing towing suitability for Truck Finance, Vehicle Finance, and Equipment Finance. Related terms: GVM, Tare Weight, Payload. Relevant blogs: Prime Movers vs Rigids, How Much Truckies Can Borrow.

Why GCM Matters

GCM determines the safe and legal towing capacity of a vehicle. Overloading beyond GCM breaches NHVR rules, increases mechanical risk and can void insurance. Lenders use GCM to assess towing-based businesses through the Truckie Hub, Tradie Hub, and Business Owners Finance Hub.

How GCM Works

  • Set by the vehicle manufacturer.
  • Includes the GVM of the towing vehicle plus trailer mass.
  • Determines maximum legal towing capacity.
  • Critical for safety and compliance under NHVR rules.
  • Incorrect towing setups can negatively impact finance approvals.

Official info: nhvr.gov.au

What is GCM?
GCM is the maximum legal weight of a fully loaded vehicle plus anything it tows.
Does GCM include trailer weight?
Yes — GCM includes the total mass of the vehicle and whatever it is towing.
How is GCM different from GVM?
GVM only covers the vehicle itself, while GCM includes both the vehicle and the trailer combined.
Does GCM affect finance approvals?
Yes — lenders assess GCM to confirm the vehicle is suitable for towing-related commercial work.
Can GCM be increased?
No — GCM cannot legally be increased, even with modifications or engineering reports.