Truckie Loan Pack — Fast Finance for Owner-Drivers
Prime movers, trailers, cashflow — one pack, one broker, clean yes.
You keep Australia moving. We’ll keep your finance moving just as fast — with low-doc truck and trailer loans that cut the paperwork and get you back on the road.
- Low-doc friendly
- Same-day lender match
- Transport-savvy lenders
What’s in the pack
Finance built for transport — trucks, trailers and the cashflow to keep you rolling.
Heavy vehicle finance
Prime movers, rigids, tilt trays, tippers, crane trucks — new or used.
Trailer finance
Skels, tautliners, fridge vans, low loaders, dollies — single or multi-unit.
Add-ons inside the deal
Include on-roads, rego and insurance where the lender permits.
Refinance & balloons
Restructure repayments or residuals to fit your weekly/fortnightly cash cycle.
Fuel & running costs
Fuel card facilities and tidy ways to cover tyres, servicing and rego timing.
Working capital
Business LOC/overdraft options to smooth the weeks between loads.
Why truckies choose Switchboard
Straight talk, low-doc paths and lenders who understand transport. We keep you rolling.
Fast answers
Same-day lender match so you don’t miss the unit you want.
Low-doc friendly
ABN/GST + bank feeds can be enough. We keep paperwork light.
Transport-savvy lenders
We know who’s flexible on age, kms and hours for working rigs.
Real broker support
Phones answered. Straight answers. Deals pushed over the line.
Cashflow fit
Weekly, fortnightly or monthly repayments to match your runs.
No-nonsense pricing
Risk-based rates explained in plain English before you sign.
How it works
Four steps. Minimal downtime. Straight through to settlement.
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1
Tell us the gear
Truck/trailer, year, kms/hours, price and where it’s coming from.
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2
We match the lender
Low-doc or full-doc based on ABN age, bank feeds and BAS.
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3
You e-sign
Quick checks, digital docs. No depot visits or printing.
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4
Settle & roll
We coordinate invoices, insurance and payout so you can get moving.
Eligibility snapshot
A quick check-list so you know where you stand before we start chasing lenders.
ABN active
Ideally 12 months+ and GST registered. You can still qualify sooner with the right story.
Docs ready
Bank feeds and/or BAS plus a quote or invoice for the asset — that’s usually enough.
Asset fit
Truck age, kms and hours within lender appetite — we’ll guide you on what flies.
Credit position
Clean is best, but explainable bumps can still be placed with the right lender.
Rates & terms (plain English)
Every deal’s priced by risk — but you’ll always know the “why”.
Terms
Usually 3–7 years. Shorter terms reduce interest; longer terms lower repayments.
Balloon / Residual
Optional on most heavy-vehicle loans. Keeps repayments lean if you plan to upgrade rigs regularly.
Repayment rhythm
Weekly, fortnightly or monthly — we’ll match your repayment cycle to your cashflow.
Rate factors
Asset type & age, ABN history, docs (bank feeds/BAS), credit profile and GST registration all shape your pricing.
Tip: A clean story + clean docs = sharper pricing and faster yes.
Documents checklist
We keep it simple — but having these ready makes your approval faster and cleaner.
Driver’s licence
Clear photo of both sides — for each applicant or guarantor.
ABN & GST info
ABN registration, GST status, and trading name details.
Bank statements
3–6 months via secure bank feeds or PDF. Lenders love fresh data.
BAS or tax returns
Quarterly BAS or most recent tax return if available — for income support.
Quote or invoice
For the truck, trailer, or equipment you’re buying. Include supplier details.
Insurance (if arranged)
Optional upfront, but often needed before settlement. We can help organise it.
Frequently asked questions
Straight answers to what most owner-drivers ask before they hit apply.
Do you do pre-approvals?
Yes. Handy when bidding or negotiating — we’ll set limits based on your financials, cash flow and credit score so you can make offers confidently.
How old can the truck be?
Depends on the lender and the type of work. Older rigs can still be approved if the asset condition, collateral strength and cashflow loan profile make sense.
Can I include trailer, rego or insurance?
Often yes. We can structure the total advance to include eligible on-road costs where the lender allows. This may include Line of Credit support or bundling into a chattel mortgage.
My ABN is new — can I still get low-doc?
Possibly. A newer ABN can still qualify for Low Doc pathways if you have solid bank statements, BAS or strong cash flow.
What if I’ve had credit issues?
Explainable bumps can still be workshopped. Many lenders will consider past defaults, late payments or a lower credit score if the overall story and bank statements support it.
How fast can this settle?
With clean financials and a suitable lender match, conditional answers can land the same day — especially for Low Doc or ABN-only profiles.
Ready to get rolling?
You’ve got the gear to move freight — we’ve got the lenders to move fast. Let’s map your next truck, trailer or working capital deal.