Truck & trailer finance
Truck and trailer finance, from the factory floor.
Tippers, prime movers, tray trucks and trailers, financed across a panel of 49 lenders. My family builds trailers, so I know what I'm looking at.
- No credit check to enquire
- 49 lenders on the panel
- Typical approval 24–48 hours
Times are typical, not guaranteed.
What you need
Commonly financed
- Tippers and prime movers
- Tray trucks and table tops
- Plant, box and semi-trailers
- New or used, dealer or private sale
Good to know
- Trailers are family
- I grew up around trailer manufacturing and I'm still involved in the business, so I read the build sheet before I read anything else.
- Private sales, with PPSR
- Buying from a private seller or a fleet disposal works, subject to a PPSR check and a written sale agreement.
- Low-doc where it fits
- Many truck deals are assessed on BAS statements and business bank statements. Larger loans may need financials.
FAQs
Truck & trailer finance questions.
The questions I get asked most. Anything else, call or text me.
Reviewed by Rabi Alam · 14 September 2026
Not always. Low-doc asset finance is commonly assessed on BAS statements and business bank statements instead of full tax returns.
Larger loans, some asset types and some lenders will still ask for financials. I'll tell you on the first call exactly which documents your deal needs.
Yes, vehicles and equipment bought from a private seller can be financed, subject to a PPSR check and a written sale agreement.
Some lenders also want an inspection or proof the seller owns the asset outright. I'll handle the PPSR and walk you and the seller through the rest.
Source: PPSR register
Conditional approval typically comes back in 24–48 hours once I have what the lender needs, and many deals settle within 3–7 days.
The biggest variables are how quickly documents come back, the supplier's paperwork and, for private sales, the PPSR check and inspection.
For most business asset finance, yes. Lenders generally look for an ABN that is registered for GST.
The enquiry checks your GST status against the Australian Business Register. If you're not registered yet, send the enquiry anyway and I'll tell you plainly what options there are.
Source: GST on the ATO website
Every cost is disclosed in writing before you apply: any broker fee is set out in your Credit Quote, and any commission the lender pays is set out in your Credit Proposal.
Lender fees such as application or valuation fees are shown up front too. Ask me on the first call and I'll tell you exactly what applies to your deal and how it's worked out.
Source: Emu Money Credit Guide