Transport & Trucker Finance Hub
Fast, low-doc truck finance for prime movers, rigids, vans and fleet upgrades — built around cashflow, contract timing and replacement cycles for owner-drivers and growing transport businesses.
Searched “truckie finance”? You’re in the right place — most operators search truck finance, fleet finance or transport finance.
Built for truckers, fleets and transport operators that move Australia
Whether you’re an owner-driver, running a small fleet, or managing a growing transport & logistics operation, this hub gives you clear finance pathways for heavy vehicles and commercial fleets.
Best suited to operators with ongoing work and trading history (it’s not designed as a “brand-new ABN” starter hub).
Choose your truck finance pathway
What are you trying to get on the road right now?
Truckers, owner-drivers and fleet operators — tap the card that matches your next move in transport/logistics.
Trucks & fleets
Prime movers & rigids
You’re buying your next truck, replacing a workhorse, or adding a second unit to the fleet.
Go to Low Doc Vehicle Finance →
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 →
Fuel & cashflow
Rego, tyres & repairs
You need help smoothing fuel, rego, maintenance, or big repair bills (especially during the docket-to-pay gap).
Go to Business Loans →
Transport cashflow system
Simple tools to keep trucks rolling
For truckers, owner-drivers, fleets and transport/logistics businesses: three ways to smooth cashflow between fuel, rego, tyres and paid invoices — especially through the docket-to-pay gap.
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 while invoices are still landing.
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.
View Working Capital Loans →
Invoice finance
Get paid on freight faster
Turn 30–60+ day freight invoices into cash so you’re not bankrolling every load out of your own pocket.
View Invoice Finance →
Not sure which mix suits your runs? Talk to a Broker and we’ll map a simple cashflow plan
around your fleet, routes, and fuel/maintenance buffer.
Explore other finance hubs
Switch between hubs built for different types of business owners.
Key Insights for Truckers, Fleets & Transport Operators
Fleet Refinance & Restructure: Clean Up Truck Loans (2025)
If repayments are messy across trucks, this shows how transport businesses streamline terms, cashflow, and approvals.
Read the guideTruck Chattel Mortgage in Australia (2025)
A plain-English breakdown for owner-drivers and fleets: structure, tax feel, and what lenders actually look for.
Read the guideTruck Body & Trailer Fit-Out Finance (2025)
Finance pathways for trailers, bodies and upgrades—built for logistics operators who need the rig ready for work.
Read the guidePrime Movers vs Rigids: Faster Low-Doc Approvals (2025)
A practical comparison for truckers and fleet operators—what tends to get approved faster and why.
Read the guideFinance Pathways for Australian Truckers & Transport Operators
Built for truck finance decisions across fleets, owner-drivers, transport businesses and logistics operators — with ABN pathways and real-world cashflow realities in mind. (Some Aussies say “truckie” — we’ll stick to trucker/transport terms here.)
Fleet & Multi-Truck Facilities
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 approval flow in How to Get Approved Fast for Fleet Finance and the cashflow risk in Why Managing Multiple Vehicle Loans Can Kill Your Cash Flow.
Owner-Drivers & Second Truck Upgrades
For experienced owner-drivers stepping up — replacing the main truck, adding a second unit, or moving from rigid to prime mover. Often built with low doc programs around your ABN trading and run history.
See borrowing ranges in How Much Truckies Can Borrow in 2025, then use Prime Movers vs Rigids and Truck Finance Checklist 2025 before you sign anything.
Repayments, Balloons & Replacement Cycle
Dial 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 Chattel Mortgage in Australia to understand structure, then sanity-check the likely payout figure against km, condition and resale.
Truck Bodies, Trailers & Full Combos
Fund the whole working combo — prime mover or rigid, body, trailer and critical gear — so you’re not bolting items on later with expensive short-term funding.
See how full builds are treated in Truck Bodies, Trailers & Extras, then review cleanup options in Fleet Refinance & Restructure.
Transport Cashflow System & Refinance
Put fuel, tyres, servicing and downtime on a proper system — and clean up old truck loans that are strangling weekly cash. This matters most when empty kms, backhaul weeks, or slow-paying clients stretch your cashflow.
Pair Business Cashflow System (WCL + LOC + Invoice) with Fleet Refinance & Restructure for a cleaner facility.
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.