Prime mover finance for linehaul and interstate operators
Single, twin-steer and B-double rated prime movers — financed on terms built around freight income and duty cycles.
A prime mover is the single biggest asset most transport operators own, and it's earning kilometres from day one. We structure the finance to match how freight actually pays, so you're not stretched between B-double runs and the monthly bill. New, demo or used — we can usually fund it.
Who it's for
Linehaul and interstate transport operators, owner-drivers, subcontractors to major carriers and freight and logistics businesses.
A balloon matches the truck's earning life
Freight rates are usually paid on 7 to 30 day terms, so income lands steadily but not always in sync with a full loan repayment. A balloon (residual) lowers the monthly amount, freeing up cash for fuel, tyres and driver wages. At term's end you can refinance the balloon, pay it out, or trade into 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, prime mover finance can frequently be arranged with no tax returns, BAS or bank statements — often well into six figures. We'll tell you honestly whether low-doc or a full submission gets you the sharper outcome for a truck this size.
New authority or subcontracting to a major carrier
If you're starting out under a subcontract or authority to a larger carrier, lenders will typically want to see the contract or letter of intent alongside your ABN and licence. It helps demonstrate the income the truck will generate, which can support the application even without a long trading history.
Buying secondhand? We check the title before you pay
A lot of prime movers change hands used, through dealers or privately, often with a sleeper cab and a specific spec for linehaul work. For a private sale we run a PPSR check to confirm the truck is free of registered finance or encumbrance before settlement, so you're protected.
Get pre-approved before you commit
A pre-approval gives you a clear limit before you start looking, so you can move on the right truck when it comes up and negotiate as a buyer with finance already sorted, rather than waiting on approval after you've found the truck.
Own your prime mover outright? Release the equity
If you own a prime mover free and clear, you can often borrow against it to free up working capital for a second truck, a trailer, or general cash flow. These deals are usually straightforward and can often be arranged with minimal paperwork if your ABN and credit history stack up.
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 — used prime movers, including higher-kilometre units, are a large part of what we finance. Dealer purchases are the simplest to process. Private sales need a PPSR title check, which we handle, and the truck's age, kilometres and spec will shape which lender and term fit best.
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.