What can I actually finance through the Truckie & Fleet Hub?

Through the Truckie & Fleet Finance Hub you can finance prime movers, rigids, trailers, dollies and supporting gear like forklifts, plus cashflow tools like a business line of credit, working capital loan or invoice finance. We map the pathway around what you need first – trucks, trailers or breathing room with bills.

Do you offer low doc options for owner drivers and small fleets?

Yes. For established ABN holders with a solid track record, we can often use low doc or alt-doc options instead of full financials, especially on replacement trucks or trailers. We look at the strength of your profile and help line you up with lenders that understand transport rather than treating you like a generic small business.

How fast can a truckie or fleet operator get approved?

For the right profile, replacement prime movers and trailers can often be conditionally approved within 24–48 hours once we have your key information. More complex fleet restructures or cashflow facilities may take a little longer, but the goal is always to keep the wheels turning rather than having trucks sitting in the yard waiting on paperwork.

Can I refinance existing trucks or tidy up multiple loans into something cleaner?

In many cases yes. If you have multiple truck and trailer loans with messy repayment dates, we can look at refinance options, consolidating where it makes sense or moving pieces into a proper fleet facility. We’ll run the numbers with you first so you can see how the structure impacts cashflow before making a call.

Why use Switchboard instead of going straight to a bank or dealer?

Banks and dealers usually have one lane and one set of rules, while transport businesses rarely fit a perfect box. Switchboard works with multiple lenders that understand truckies and truckers, seasonal work and fatigue management rules. We compare options, explain the trade-offs and help structure the deal around your routes and cashflow so repayments actually fit your business.

Built For Aussie Truckies & Fleets

Fleet & Truck Finance Hub

Fast, low-doc finance for prime movers, rigids, vans and fleet upgrades — built for owner-drivers and growing transport businesses.

Talk to a Broker Check Eligibility

Who This Hub Is For

Built for the truckies and fleets that move Australia

Whether you're an owner-driver, managing a small fleet, or scaling a growing transport operation, this hub gives you clear, simple finance pathways for heavy vehicles and commercial fleets.

Owner-drivers

Prime mover operators

Rigid truck drivers

Fleet managers

Courier fleets

Transport contractors

Logistics businesses

New ABN truck operators

Choose your truck finance pathway

What are you trying to get on the road right now?

Truckies and fleet owners — tap the card that sounds most like your next move.

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Trucks & fleets

Prime movers & rigids

You’re buying your next truck, replacing a workhorse or building a small fleet.

Go to Low Doc Vehicle Finance →

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Trailers & bodies

Tippers, dollies & fit-outs

You’re adding a trailer, upgrading the body, or doing a custom fit-out on the rig.

Go to Low Doc Asset Finance →

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Fuel & cashflow

Rego, tyres & repairs

You need help smoothing fuel, rego, maintenance or big repair bills.

Go to Business Loans →

Truck cashflow system

Simple tools to keep trucks rolling

Three ways to smooth timing between fuel, rego, tyres and paid invoices, so cash hiccups don’t park the truck.

Want the full picture? Start at the Business Loans hub.

Business line of credit

Fuel, parts & quick fixes

Keep a revolving limit for fuel, small repairs, tyres and parts between invoices landing.

Fuel & running costs Only pay on use

View Business Line of Credit →

Working capital loans

Lump sum for bigger pushes

Use a set amount for engine work, extra drivers, compliance upgrades or taking on bigger contracts.

Bigger jobs Predictable repayments

View Working Capital Loans →

Invoice finance

Get paid on freight faster

Turn 30–60+ day transport invoices into cash so you’re not bankrolling every load out of your own pocket.

Slow-paying clients Linehaul & freight

View Invoice Finance →

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Fast Heavy-Vehicle Approvals

Quick decisions for prime movers, rigids and delivery fleets — keep trucks on the road.

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Low-Doc for Truckies

ABN-only, low-doc and streamlined pathways for owner-drivers and small fleets.

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Built for Transport Operators

Finance tailored for trucking, courier work, logistics and multi-vehicle upgrades.

★★★★★

Trusted by Aussie truckies & fleets for fast, simple, no-bullshit finance.

Talk to a Broker Check Eligibility

Explore other finance hubs

Switch between hubs built for different types of business owners.

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General business Business Owners Finance Hub

Vehicles, equipment & cashflow pathways

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Cashflow & growth Business Loans Hub

Line of credit · working capital · invoice finance

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Tools & utes Tradie Finance Hub

Utes, vans, tools & trailers for tradies

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Current hub Truckie & Fleet Hub

Prime movers, rigids, trailers & bodies for truckies

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Medical & dental Whitecoat Finance Hub

Clinic fitouts, devices & vehicles

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Cafés & hospitality Café Finance Hub

Coffee gear, fitouts & cashflow support

Key Insights for Truckies & Fleet Operators

Why Multiple Truck Loans Can Kill Your Fleet Cash Flow

Five trucks, five repayments, five direct debits — how staggered loans quietly smash your monthly cash flow.

Fleet Leasing vs Chattel Mortgage for Truck Operators

A clear side-by-side of leasing vs chattel mortgage for trucks, trailers and prime movers — with cash flow in mind.

What Is Fleet Finance and How Does It Work?

Simple explainer of how fleet facilities bundle your truck loans, clean up repayments and make upgrades easier.

How to Get Approved Fast for Fleet Finance

The key boxes lenders want ticked so truckies and fleet owners can lock in approvals without weeks of back-and-forth.

Finance Pathways for Australian Truckies & Transport Operators

Fleet & Multi-Truck Facilities

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For operators running multiple prime movers, rigids and trailers — using structured asset finance facilities instead of random one-off truck loans. The goal is clean repayments, simple admin and fewer surprises at changeover.

Start with What Is Fleet Finance and How Does It Work?, then see how approvals flow in How to Get Approved Fast for Fleet Finance and what happens when things aren’t structured properly in Why Managing Multiple Vehicle Loans Can Kill Your Cash Flow.

Designed for heavy vehicle operators with multiple trucks on the road

Can consolidate older chattel mortgage contracts as you upgrade the fleet

Aligns term length, residual value and balloon payments with your planned replacement cycle

Approvals based on real cash flow assessment, debt-to-income ratio and repayment history

Go to Vehicle & Fleet Finance View the Truckie Loan Pack

Owner-Drivers & Second Truck Upgrades

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For experienced owner-drivers stepping up — replacing the main truck, adding a second unit or moving from rigid to prime mover. Usually built with low doc or lite-doc programs around your actual run history.

See what’s possible in How Much Truckies Can Borrow in 2025, get structure detail from Low Doc Truck Finance 2025 — Fast Approval Tips and Prime Movers vs Rigids, then use Truck Finance Checklist 2025 before you sign anything.

Uses 6–12 months of bank statements, clear trading history and clean credit files

Looks at payload, GVM, GCM and the type of work you’re running

Can include accessories, bunk upgrades, GPS tracking and basic truck body fit-out

Often backed by property with a strong focus on future borrowing capacity

Go to Low Doc Asset Finance Talk to a Broker

Repayments, Balloons & Replacement Cycle

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Dialling in weekly repayments, balloons and replacement timing so you’re not upside down on the payout when the truck is tired, over-km and due to come off the road.

Use Truck Repayments vs Running Costs to find a safe weekly number, then lock in changeover logic with Truck Replacement Cycle 2025, Truck Age Rules 2025 and structure detail in Truck Chattel Mortgage in Australia.

Balances repayment history, depreciation and future residual value of the truck

Keeps balloons and term length inside what the asset can realistically support

Checks the likely payout figure at year 3–5 against km, condition and resale

Helps avoid being stuck with a high balloon payment and no equity at trade-in

View the Truckie Loan Pack Talk to a Broker

Truck Bodies, Trailers & Full Combos

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Funding the whole working combo — prime mover or rigid, body, trailer and extra gear — so you’re not trying to bolt critical items on later with expensive short-term finance.

See how full builds are treated in Truck Bodies, Trailers & Extras, then look at clean-up options in Fleet Refinance & Restructure if you’ve already pieced things together over time.

Covers bodies, trailers, load rating upgrades and approved truck body fit-out work

Can bundle GPS tracking, cameras and safety tech into the same secured loan

Checks PPSR check, dealer invoice or qualifying private sale docs up front

Repayments matched to the asset’s useful life and expected work pattern

Go to Equipment & Body Finance Truckie Loan Pack

Truckie Cashflow System & Refinance

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Putting fuel, tyres, servicing and downtime on a proper cashflow system — and cleaning up old truck loans that are strangling weekly cash.

For how experienced operators run it, read The Truckie Cashflow System, then pair it with Fleet Refinance & Restructure and the broader Business Cashflow System (WCL + LOC + Invoice).

Uses business line of credit for fuel and short swings, and working capital loans for larger repairs

Partners with invoice finance when you’re on 30–60 day trade terms with big customers

Restructures messy loans into a cleaner facility that passes lender credit assessment

Reduces the risk of slipping into arrears or defaults when work slows or a contract changes

Go to Business Loans Business Line of Credit

Need Finance for a Truck or Expanding Your Fleet?

Prime movers, rigids, tippers, trailers and cashflow support — truckies and fleet owners get fast approvals with low-doc options and real support.

Talk to a Broker Check Eligibility