Truck Finance Brisbane

Just about anything that works for a business: prime movers, rigids, tippers, trailers, box trucks, agitators and specialist bodies. We place finance for owner drivers buying their first truck and for fleets adding or replacing gear. The make and age matter less than what the truck does for you and what it is worth, and we can usually give you a read on a specific truck in the first conversation.

Yes. Used trucks are most of what Brisbane buys, so they are most of what we finance. There is no hard cap at application, but the end of the loan term generally cannot exceed 25 years from the build date, and the exact limit is lender-dependent. That is why a twenty-year-old prime mover can still be financed here. Tell us the build year early and we will tell you which lenders will look at it.

Yes to both. A significant share of our deals involve an asset outside the buyer's city, and private sales are routine. The work is in the verification: proof the seller owns it, a PPSR check, clear photos, and usually an inspection. We can arrange a mechanic to physically inspect an asset before the buyer commits, with a written report.

Not always. No deposit is available up to $150,000, subject to your profile and the asset. Above that, a deposit enters the conversation. On older or private-sale trucks a deposit can also make the deal cleaner, because it narrows the valuation gap between what the seller wants and what a lender will carry.

No. You do not need to own property to finance a truck. Property can help on some applications, and it is often what lets a low doc deal move without a deposit, but it is not a requirement. Plenty of our clients rent or lease and still get approved, because the asset itself is the security on most truck finance.

A truck over 4.5 tonnes gross vehicle mass is a heavy vehicle, and Queensland requires an annual Certificate of Inspection (COI) to renew its registration. The safety certificate only applies to light vehicles. If you bring a vehicle in from another state and garage it here, you have 14 days to register it. Heavy vehicles are registered under the National Heavy Vehicle Registration Scheme, and registration duty may apply depending on the transaction.

Yes. If you bought through a dealer or a bank and the structure no longer fits, we can often refinance onto better terms. We will look at the payout figure on the current loan, what the truck is worth now, and whether a new structure frees up cash flow or a balloon is coming that you want to deal with early. Refinancing is a normal part of what we do.

It depends on the path. Full doc means tax returns, financials, BAS and bank statements. Low doc asks for far less, usually BAS, bank statements or a declaration. No doc leans on your ABN, GST registration and credit history. Tell us how your books are kept and we will tell you which path fits, rather than making you chase paperwork a lender will not ask for.

A chattel mortgage means your business owns the truck from day one and the lender holds a mortgage over it. A finance lease means you lease the truck across the term with an option to buy it at the end, and the lease payments are generally treated as operating expenses. The right one depends on how you use the truck and how your accountant treats it, so it is worth deciding together.

We answer in 15 minutes within our operating hours, which are Monday, Tuesday, Wednesday and Friday 7am to 8pm, Thursday 7am to 10pm, and Saturday and Sunday 7am to 5pm, seven days a week. You get a person, not a form response, and that first conversation usually gives you a read on the deal.

That depends on the application and the lender, so we will not quote you an approval time. What we can say is that funding can be as fast as 8 hours in the right circumstances, which is why getting your documents together and having the asset verified early matters more than the approval itself.

We do not have a Brisbane office. We service businesses across Australia from our core team in Sydney, and we work with Brisbane operators every day. Truck finance is done by phone and email, so your location does not slow the deal down. The Brisbane page is here because the market is different, not because we have a shopfront in it.

Sometimes, yes, but it depends on what is on your file and how recent it is. A small default from a few years ago is different to an unpaid tax debt from last month. No doc lending leans most heavily on your credit history, so a clean file matters more there. Tell us the situation honestly upfront and we will tell you which lenders will look at it, rather than putting a decline on your file.

Yes, though it is harder when there is no deposit and no property behind the application. Sole traders and newer ABNs usually go low doc or no doc, and a deposit or property makes a real difference to which lenders will look at it. If the truck is tied to a contract you have already won, tell us, because that changes how lenders read the deal.

Both. We place finance for owner drivers buying their first truck, couriers adding a vehicle to service a new contract, and fleets replacing or expanding. The lender and the structure differ by size, but the process is the same. If you are an owner driver, the truck and the contract matter more to a lender than the size of the business.

A balloon is a lump sum left owing at the end of the term, which lowers your regular repayments. It suits operators who want the cash flow now and plan to trade the truck or refinance before the term ends. The trade-off is that you owe a lump sum at the end, and the balloon has to fit the truck age and value. We will show you the numbers with and without one.