How Much Truckies & Truckers Can Borrow in 2025 (By ABN Age, Revenue & Truck Type)
Truckies and truckers borrowing limits 2025 – Switchboard Finance
In 2025, borrowing power for truckies and truckers varies massively depending on ABN age, monthly revenue stability, credit profile and the truck you're financing. Lenders using low doc scoring models usually approve higher limits for trucks than for standard business loans—especially through Low Doc Asset Finance.
This guide gives you the realistic borrowing ranges based on thousands of transport finance scenarios, and connects with our earlier articles on speeding up truck approvals and Prime Movers vs Rigids.
Borrowing Limits by ABN Age (Truckies & Truckers)
| ABN Age | Typical Borrowing Limit | Best-Fit Trucks |
|---|---|---|
| 0–6 months | $30k–$80k | Rigids, tippers |
| 6–12 months | $50k–$120k | Rigids, small refrigerated |
| 12–24 months | $100k–$200k+ | Mid-life prime movers, rigids |
| 24+ months | $150k–$350k+ | Late-model prime movers |
These patterns reflect the lender behaviour we see through Equipment Finance pathways.
Borrowing Limits by Monthly Revenue
Lenders care more about consistent cash flow than full financials. Truckers with stable weekly runs or depot contracts unlock the highest ranges.
| Monthly Revenue | Typical Borrowing Range |
|---|---|
| $8k–$12k | $60k–$120k |
| $12k–$18k | $80k–$160k |
| $18k–$25k | $120k–$220k |
| $25k+ | $200k–$350k+ |
This follows the patterns explained in our low doc cash flow guide and fast-track approvals.
Borrowing Power by Truck Type
Certain trucks unlock far higher limits for truckies and truckers in 2025 due to resale value and lender recovery confidence.
| Truck Type | Borrowing Limit | Why |
|---|---|---|
| Prime Mover | $150k–$350k+ | Strong demand & resale |
| Rigid | $80k–$200k | Lower price points |
| Refrigerated Truck | $120k–$220k | Reliable contracts |
| Tipper | $70k–$150k | Construction sector |
This aligns with our comparison in Prime Movers vs Rigids.
How Truckies & Truckers Can Maximise Borrowing Power
1. Keep your transaction history clean
Lenders love predictable patterns — fuel, maintenance, job payments. See common cash flow traps for multi-vehicle operators.
2. Document your work sources
Run sheets, invoices, depot letters and weekly job summaries increase both limits and approval speed.
3. Pick the right lending pathway
Truckies and truckers typically qualify through:
• Low Doc Asset Finance
• Vehicle Finance
• Business Loans
4. Choose a truck lenders love
Late-model prime movers and rigids unlock the strongest borrowing ranges.
5. Don’t wait until the truck breaks down
A truck off the road lowers revenue → lowers borrowing power. Read: 7 ways to speed up approvals.
Borrowing Power Checklist (2025)
This checklist pairs with today’s Truck Finance Checklist.
Final Take
Truckies and truckers aren’t judged the same as standard SMEs — your borrowing power is higher because transport has stronger collateral value. With the right setup, many truckers exceed $200k–$300k approvals even under low doc conditions.
FAQ
Can truckers apply with no tax returns?
Yes — through Low Doc Asset Finance.
Can truckies borrow over $300k?
Yes — especially for late-model prime movers.
Do I need a deposit?
Often no. It depends on truck age, revenue and ABN history.
All external links verified 200 OK as of publication.
