A Truck Body Fit-Out refers to custom modifications added to a truck to make it suitable for a specific commercial purpose. Common fit-outs include tray bodies, service bodies, fridges, toolboxes, tippers, tail lifts, hydraulic systems and custom fabrication. Fit-outs can be financed with Equipment Finance, Business Loans, or Working Capital Loans. Relevant hubs: Truckie & Fleet Hub, Tradie Hub. Related terms: Fit-Out Finance, Load Rating, PTO.

Why Truck Body Fit-Out Matters

Fit-outs allow trucks to perform specialised roles and increase commercial capacity. They directly impact revenue, compliance and job capability for operators.

• Enables trucks to be customised for specific industries
• Can significantly increase operational efficiency
• Fit-outs affect truck weight, compliance and insurance
• High-value upgrades benefit from structured finance
• Often bundled with new truck purchases

How Truck Body Fit-Out Finance Works

• Client provides quote from body-builder or fabrication specialist
• Lender reviews cost, purpose, engineering and compliance
• Financed as standalone or combined with truck purchase
• Loan structured as chattel mortgage or equipment loan
• Terms usually 3–5 years depending on build complexity

Some fit-outs require engineering certification or compliance documents.

Official reference: nhvr.gov.au