Pantech truck finance for removalists and freight operators
Enclosed pantech bodies on rigid trucks — financed as one complete working vehicle, chassis and body together.
A pantech earns by keeping freight dry, secure and out of sight, whether that's household furniture, white goods or general parcel freight. We structure the finance around the complete working vehicle — chassis, enclosed body and tail-lift if fitted — so the whole rig is covered rather than the chassis alone. New or used — we can usually fund it.
Who it's for
Furniture removalists, appliance and white-goods delivery operators, and parcel and general freight businesses running enclosed pantech bodies.
Wrap the pantech body and tail-lift into one facility
A bare cab-chassis isn't much use for removals or freight on its own. The enclosed pantech body, internal fit-out and a tail-lift if you need one can usually be included in the same chattel mortgage as the truck, so the whole rig is one asset and one repayment.
A balloon keeps repayments in line with freight income
Removals and freight work is often invoiced on account or paid per job with some lag before funds land. A balloon (residual) lowers the monthly repayment so you're not carrying the full cost of the truck while waiting on payment. At the end of term you can refinance the balloon, pay it out, or move to the next truck.
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, pantech truck finance can frequently be arranged with no tax returns, BAS or bank statements. That's usually enough headroom for a rigid pantech including the body and tail-lift.
Buying secondhand? A title check protects you
Most pantechs on the road are bought used, from a dealer or privately. Dealer purchases are the most straightforward to finance. 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 a truck
A pre-approval tells you your limit before you start looking, so you can negotiate on price rather than waiting on finance to catch up once you've found the right pantech.
Own the truck, claim the GST and depreciation
On a chattel mortgage your business owns the pantech from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the truck 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 enclosed body, internal fit-out and a tail-lift can generally be wrapped into the same chattel mortgage as the cab-chassis, so you're financing the complete working truck rather than the chassis alone.
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.