Cab-chassis finance for tray, tipper and body builds
A bare cab-chassis, financed together with whatever tray, tipper, pantech or tautliner body goes on it — one asset, one repayment.
Buying a cab-chassis is usually only half the purchase — the tray, tipper, pantech or tautliner body still needs to be built or fitted before the truck earns a dollar. We structure the finance around the complete working vehicle, chassis and body together, so you're not financing a bare chassis and then finding cash for the body separately. New or used — we can usually fund it.
Who it's for
Transport operators, tradies and fleet buyers fitting a tray, tipper, pantech or other body to a new or used cab-chassis.
Wrap the body into the same facility as the chassis
Whether it's a tray, tipper, pantech, tautliner or service body going on, the body build or fit-out can usually be included in the same chattel mortgage as the cab-chassis. That means one settlement and one repayment for the complete working truck, rather than a chassis loan plus a separate bill for the body.
The finance structure doesn't change with the body
A cab-chassis destined for a tipper body is financed the same way as one going to a pantech or tautliner fit-out — we match the term and repayment to the complete vehicle and how it earns for your business, whatever's going on the back.
Established ABN and property often means no financials
If your ABN has been active for 2+ years, you're GST registered and a director owns property, cab-chassis finance can frequently be arranged with no tax returns, BAS or bank statements. That's usually enough headroom for the chassis and body together.
Buying secondhand? A title check protects you
Used cab-chassis trucks, with or without a body already fitted, are commonly financed. A dealer purchase is the simplest path. For a private sale we run a PPSR check before settlement to confirm the truck is free of any registered finance or encumbrance.
Get pre-approved before you commit to chassis and body
A pre-approval tells you your limit before you order the chassis or lock in a bodybuilder, so you can plan the full build with confidence instead of waiting on finance to catch up once the truck's ready.
Own the truck, claim the GST and depreciation
On a chattel mortgage your business owns the cab-chassis and body from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the complete vehicle over its working life. Confirm the detail and timing with your accountant.
Talk to a specialist
Get the right rate and the right structure for your next asset. No pressure to proceed, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up the right rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Your rate depends on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Usually, yes. The tray, tipper, pantech, tautliner or other body build can generally be wrapped into the same chattel mortgage as the cab-chassis, so the complete truck is one repayment.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.