Truck Finance Brokers in Melbourne

Helping Businesses Australia-Wide

Get the right truck finance structure the first time — from a specialist broker trusted across Melbourne and Australia.

Check My Eligibility (30 sec)

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🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by transport and construction businesses across Melbourne & Australia.
Join 40+ specialist lenders ready to help business owners with truck and equipment finance.

Logos of Australia’s top business lenders partnered with Casey Asset Finance

Our Panel of 40+ Specialist Lenders

For business owners in Melbourne — and across Australia

If your truck isn’t moving, your business isn’t earning.

Whether you’re an owner-driver, upgrading your truck, adding to your fleet, or growing a transport or construction business, the right finance makes a real difference.

We’re based in Melbourne’s south-east and help businesses:

  • Across Melbourne and Greater Victoria

  • Across Australia — NSW, QLD, WA, SA, TAS, NT

  • In transport, logistics, construction, civil and trades

  • From owner-drivers through to growing fleets

Local support. Australia-wide lender access.

Truck Finance Melbourne

Many business owners search for truck finance Melbourne because working with a local broker means:

  • Faster communication

  • Someone who understands local routes and industries

  • Knowledge of Melbourne’s truck dealers

  • Support with private sales and auction purchases

  • Clear guidance tailored to Victorian businesses

We regularly help business owners across Melbourne secure competitive truck finance — from Dandenong and Hallam to Sunshine, Thomastown and everywhere in between.

Truck Finance Australia

While we’re Melbourne-based, you don’t need to be local to work with us.

Our lenders operate Australia-wide, allowing you to:

  • Get pre-approved online

  • Purchase trucks locally or interstate

  • Finance dealer, private sale or auction assets

  • Settle fast — no need to visit an office

  • Access competitive rates regardless of location

If you’re interstate, the process remains simple, fast and fully digital.

What we finance

We help business owners secure finance for:

  • Prime movers

  • Rigid trucks

  • Tippers, tilt trays and hooklifts

  • Pantechs and delivery trucks

  • Curtainsiders and fridge trucks

  • Light commercial trucks and LCVs

  • Trailers and dollies (selected lenders)

  • Earthmoving and construction trucks

  • New or used trucks

  • Dealers, private sellers or auctions

If you’ve found the truck, we’ll help you fund it.

Why work with a specialist truck finance broker?

Truck finance is different from regular vehicle finance.

Lenders assess:

  • Truck age, kilometres and condition

  • Type of work (local, regional, interstate)

  • Your experience in transport or construction

  • Business turnover and cash flow

  • Bank statement conduct

  • Existing debts and commitments

A specialist broker saves you time and strengthens your chance of approval by:

  • Matching your scenario to the right lender

  • Guiding you on term, balloon/residual and structure

  • Presenting your application clearly to credit teams

  • Coordinating with sellers (dealer, private or auction)

  • Helping you avoid costly structural mistakes

Straightforward communication, honest guidance, and no unnecessary back-and-forth.

Check My Eligibility (30 sec)

Fast, simple, and no impact on your credit score.

How Our Process Works

1. Quick 30-second eligibility check

Tell us what truck you’re looking at, your business situation, and what’s most important to you.

2. We shortlist the right lenders

We assess your bank conduct, turnover, credit file and asset type to identify suitable lenders.

3. You choose the option that fits

We explain repayments, terms, residuals and conditions in clear, simple language.

Once you’re ready, we handle the application and coordinate settlement.

You always know exactly where things stand.

Types of truck finance we can help with

Depending on your situation, we can help with:

  • Chattel Mortgage (most common)

  • Finance Lease (own it at the end of term)

  • Rent-to-own / operating lease (selected scenarios)

We’ll help you understand the differences and choose what aligns with your accountant’s advice and cash-flow needs.

New vs used trucks — dealer, private sale or auction

Every situation is different.

We assist with:

Used trucks:

Dealer or private sale, subject to lender acceptance.

Auction trucks:

We can organise pre-approval so you can bid with confidence.

Interstate purchases:

Transport, compliance and settlement processes vary — we’ll guide you.

Whether your truck is local or interstate, we’ll help structure the deal correctly.

Who this is for

You may be a great fit if:

  • Your business relies on a truck for income

  • You’re upgrading, replacing or adding capacity

  • Your turnover supports the repayments

  • You can provide business bank statements

  • You trade as a company, sole trader, or trust

We also regularly help:

  • Owner-drivers stepping into their first truck

  • Operators securing additional contracts

  • Small fleets preparing for growth

Not sure if you qualify?

We’ll give you an honest view with no obligation.

How much can you borrow?

Loan amounts depend on:

  • Truck price

  • Business turnover

  • Bank statement conduct

  • Age and condition of the asset

  • Deposit amount

Some lenders can finance 100% of the purchase, while others may require a deposit, especially for older trucks or higher-risk scenarios.

We’ll talk through the numbers so you can make an informed decision

Costs, repayments and terms

Truck finance generally includes:

  • Fixed terms — 3 to 7 years

  • Fixed or variable repayments

  • Optional balloon/residual

  • GST, on-road costs or accessories (varies)

We’ll outline the true cost over the life of the loan so you know exactly what you’re committing to.

Real truck finance scenarios

Owner-driver purchasing a new truck

Client needed a reliable tipper truck to secure long-term work with a local construction company. We got them approved even though the business received majority of income as cash.

A transport company gets a prime mover

A fast-growing transport company needed another prime mover to add to their fleet as demand for work increased. They spoke with four brokers, and we got them the best deal.

Specialised vacuum truck via private sale

Client had been turned down by the banks due to asset age of an attachment on a truck. The truck was 2015 with an old vacuum pump manufactured 2005. We placed it in 24 hours.

These are the types of deals we assist with every week.

Check My Eligibility (30 sec)

Fast, simple, and no impact on your credit score.

Why choose Casey Asset Finance?

  • Specialist focus on truck and equipment finance

  • Clear, honest guidance at every step

  • Strong relationships with multiple lenders

  • Fast communication and support

  • A simple, stress-free process

  • Melbourne-based, supporting business owners nationwide

Our goal is to help you secure the right truck — on the right terms — without the headache.

Frequently Asked Questions

  • We’re based in Melbourne but assist eligible business owners Australia-wide.

  • In many cases, yes. We work with lenders comfortable with bank statements instead of full financials.

  • Yes — both dealer and private sale trucks can be financed, depending on age and condition.

  • Often yes. Pre-approval is recommended prior to bidding.

  • Truck finance is generally secured by the truck itself. Additional security may be requested case-by-case.

  • Some lenders allow certain extras to be included. We’ll confirm based on your scenario.

  • Yes — several specialist lenders consider applications from businesses with poor credit, past defaults or ATO debt. Approval comes down to your recent bank statements, cash flow and the strength of the asset — not just your credit score.

  • Many lenders approve low-deposit or no-deposit truck finance if your bank statements are strong. In some cases, a 10–20% deposit may help reduce the risk and improve approval odds, especially for older trucks or newer businesses.

  • Most truck finance applications are assessed within 24–48 hours.
    Low-doc lenders can sometimes approve you on the same day, depending on your turnover and bank conduct. Larger or more complex deals may take slightly longer.

  • Yes — this is called low-doc truck finance.
    Instead of tax returns, lenders review your recent bank statements and business activity to confirm affordability. This is common for transport operators who need to upgrade or replace trucks quickly.

  • Absolutely. Owner-drivers make up a large portion of truck finance approvals in Australia. Lenders assess your contract income, bank statements and the type of truck you’re purchasing — not your business size.

  • In most cases, yes.
    Truck finance is generally treated as a business equipment finance product, meaning interest and depreciation may be claimable. Your accountant can confirm the exact benefits for your situation.

  • Yes — used truck finance is very common. Most lenders are comfortable funding trucks with higher kilometres as long as the age, condition and resale value make sense. Older assets may require a small deposit.

  • Yes — For low-doc and mid-doc truck finance, bank statements are one of the most important factors lenders assess. They look at:

    • Average monthly revenue

    • Cash flow consistency

    • Reversals / dishonours

    • Existing commitments

    Your credit score still matters, but your bank conduct carries more weight.

  • Yes — even newly registered ABNs can qualify.

    Some lenders require 3–6 months of trading, while others can consider new businesses if the applicant has industry experience or a strong contract starting soon.

  • Yes — lenders regularly fund fleets and multi-truck purchases, even for small operators. Approval depends on your turnover, cash flow and existing commitments. Many businesses start with one truck and scale up as revenue grows.

  • Yes. Several specialist lenders consider applications from businesses with poor credit, past defaults or ATO debt. Approval is based more on your recent bank statements, cash flow and the strength of the asset — not just your credit score.

  • Some lenders offer low-deposit or no-deposit truck finance. In other cases, a 10–20% deposit may be required, especially for older trucks, higher kilometres or newer businesses. A deposit can also help improve approval odds.

  • Most low-doc applications are assessed within 24–48 hours.
    Some lenders can approve same-day depending on turnover, bank conduct and the type of truck you’re purchasing.

  • Yes. Owner-drivers regularly qualify for truck finance. Lenders will review your contract income, bank statements and experience in the transport industry rather than the size of your business.

Ready to explore your truck finance options?

Check My Eligibility (30 sec)

Fast, simple, and no impact on your credit score.

🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by transport and construction businesses across Melbourne & Australia.
Join 40+ specialist lenders ready to help business owners with bad credit.