Car carrier and transporter finance for vehicle-transport operators
Single and multi-car carriers, financed on a chattel mortgage built around freight contracts and cash flow.
A car carrier only earns when it's loaded and on the road, so the finance needs to match how transport work actually pays. Whether you're running a single-car tilt tray or a multi-car transporter servicing dealer networks, financing the unit keeps your cash for fuel, wages and the next contract. New or used — we can usually structure it to fit.
Who it's for
Vehicle-transport operators, car carrier owner-drivers and fleet operators servicing dealerships and auction houses.
Single-car or multi-car — financed to suit the contract
A single tilt-tray suits an owner-driver doing dealer transfers; a multi-car transporter suits volume contract work. We structure the finance around the capacity you need and the contract that's paying for it, rather than a one-size approach.
A balloon lines up with freight payment terms
Transport work is often paid 30, 60 or even 90 days after the job, so cash can lag well behind the running costs. A balloon (residual) — commonly around 20-30% — lowers the monthly repayment and keeps reserves available until invoices are paid. At term's end you refinance, pay it out, or upgrade the carrier.
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, car carrier finance can frequently be arranged with no tax returns, BAS or bank statements. That covers most single-unit and small-fleet purchases. We'll tell you honestly whether low-doc or a full submission suits your situation better.
Buying secondhand or through a private sale
Used carriers move through dealers, auctions and private sellers. A private sale usually needs a title (PPSR) check and a roadworthy review before funds are released, which we handle as part of settlement. Dealer purchases are typically the most straightforward to finance.
Own a carrier outright? Raise capital against it
If you already own a car carrier free and clear, you can often borrow against it — typically up to around 90% of its current market value — to free up working capital for the next truck or a quiet stretch. These deals are usually low-doc, and there's also sale-and-buyback within six months of a purchase.
Own the carrier, claim the GST and depreciation
On a chattel mortgage your business owns the carrier from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the vehicle over its working life. Confirm the detail with your accountant — the structure is set up to favour you.
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
Yes. Multi-car transporters are financed the same way as single-car carriers — we match the term and structure to the vehicle and the contract work it's servicing.
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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.