Truck Finance.
Your trucks earn the revenue. The finance structure decides how much of it you keep. New, used or a full fleet - we take it across 60+ lenders and come back with the one that fits.
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Won't affect your credit score.
What can we help you with?
Our Solutions
Truck finance options - find the right one for your business
Most trucks end up on a Chattel Mortgage, but a Finance Lease or a fleet facility can beat it for larger operations. Here's the menu.
New Truck Loans
Buy new and own it from day one, or structure repayments around your cash flow. We know which lenders are sharpest on new trucks.
Used Truck Finance
Most lenders take used trucks up to 15 years old at loan end. We know which ones are flexible on age, kilometres and spec.
Lease Options
Keep trucks off your balance sheet and your capital free. Operating leases can bundle maintenance into one fixed monthly cost.
Hire Purchase Agreements
Pay it off over the term, own it outright at the end. Simple, predictable, no surprises.
Flexible Repayment Plans
Seasonal work? Repayments can flex with it - balloons, adjusted schedules, and terms matched to your revenue pattern.
Fleet Financing Solutions
Multiple trucks under one facility - less admin, one repayment schedule, and volume usually buys you a better rate.
Run The Numbers
Calculate your truck finance repayments
Enter your loan details
Estimated repayment
$2,139.59 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Why most trucking businesses finance instead of paying cash
Your Capital Keeps Working
Money stays in the business earning, instead of parked in a depreciating asset.
Newer, Safer Trucks
Upgrade to more fuel-efficient, compliant vehicles without the big upfront hit.
Servicing Costs You Can Predict
Lease structures can bundle in maintenance - so servicing stops being a surprise expense.
A Structure for Every Tax Position
Chattel mortgage, hire purchase, lease or fleet facility - whichever suits how you want to own and depreciate.
Repayments You Can Budget On
Fixed repayments, no surprise capital outlays when a truck needs replacing.
A Stronger Credit Profile
A well-serviced facility builds your business credit - which makes the next truck cheaper to finance.
Why Co-Pilot
The broker who actually knows trucks
60+ Lenders Including Truck Specialists
Banks, non-banks and specialist vehicle financiers, each with a different appetite for truck types, ages and business profiles. We know whose is whose.
New & Used Truck Expertise
We know who sharpens their pencil on new trucks, and who's flexible on older or specialised gear.
Fleet Structuring
Multi-vehicle purchases need a different approach - fleet facilities that cut admin and unlock volume rates.
Fast Approvals
We know which lenders move fastest on truck deals. Most straightforward applications are approved in 24-48 hours.
Tax-Effective Structures
Chattel mortgage, hire purchase and lease all hit your tax differently. We pick the one your accountant would.
Eligibility
Truck finance eligibility - here's what lenders need
Eligibility varies by lender and truck. We match you to the one that suits your situation - new ABNs and adverse credit included.
- Active ABN - minimum 6-12 months trading history for most lenders
- Business financial statements or BAS for the past 12-24 months
- Satisfactory business and personal credit history
- Vehicle details: make, model, year, purchase price, and seller information
- Driver's licence and proof of identity for all applicants
- For fleets: vehicle schedule and intended use for each truck
New business or adverse credit? Speak to us - we work with lenders who consider the full picture, not just a credit score.
Ready to finance your next truck?
Tell us about the truck and your business - we'll come back with the right lender and structure within 24-48 hours.
Hear What Our Clients Are Saying
“I had an outstanding experience with Kristy and Joanne Xie throughout the finance process for my new BYD Shark 6. From start to finish, they were professional, responsive, knowledgeable and genuinely committed to finding the best outcome for me. They made what can often be a stressful process feel smooth and straightforward, keeping me informed every step of the way and always taking the time to answer my questions. Their communication, attention to detail and customer service were exceptional. Even when timelines were tight, they worked hard behind the scenes to ensure everything was settled efficiently and without hassle. I highly recommend Kristy and Joanne Xie to anyone looking for vehicle finance. Their dedication, expertise and willingness to go the extra mile made all the difference. Thank you both for your amazing support and for helping me get into my new BYD Shark 6! — Tanvir Abdullah 🚗⭐️⭐️⭐️⭐️⭐️”
Tanvir Abdullah
FAQ
Common Questions About Truck Finance
Get Your Truck on the Road Fast.
Tell us what you're buying. We'll shop it across 60+ lenders and have most applications approved within 48 hours.
No impact to your credit score