Semi-trailer finance for transport and freight operators
Flat-tops, drop-decks, curtainsiders and tautliners — financed separately or alongside your prime mover.
The right trailer opens up the freight you can carry, and it's a smaller, faster approval than a prime mover in most cases. Whether you're adding a curtainsider to run general freight or a drop-deck for machinery cartage, we structure the finance around the work the trailer is buying you. New or used — we can usually fund it.
Who it's for
Transport operators, freight forwarders, machinery and equipment carriers and general and specialised cartage businesses.
Flat-tops, drop-decks, curtainsiders and tautliners
Trailer finance is set up around the type you're buying, since a drop-deck for machinery is priced and used differently to a curtainsider running general freight. We match the facility to the trailer and the freight it's carrying, not a one-size approach.
Finance a trailer on its own or alongside a prime mover
If you already have a prime mover and just need another trailer, that's usually a smaller, quicker approval than a full truck-and-trailer package. If you're buying both together, they can often be structured as one combined facility or kept separate depending on what suits your cash flow.
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, trailer finance can frequently be arranged with no tax returns, BAS or bank statements. Trailers are typically a lower-value asset than the prime mover, so approvals often move faster.
Buying secondhand? A title and condition check protects you
Most trailers on the road are bought used. A dealer purchase is the most straightforward path to finance. For a private sale we run a PPSR check to confirm the trailer is free of registered finance or encumbrance, and a quick look at chassis and axle condition helps confirm the trailer's remaining working life.
A balloon can lower the monthly repayment
A balloon (residual) reduces the monthly amount on a trailer the same way it does on a truck, which can help if you're adding capacity ahead of confirmed freight volume. At the end of term you can refinance the balloon, pay it out, or trade the trailer in.
Own the trailer, claim the GST and depreciation
On a chattel mortgage your business owns the trailer from day one, so you can generally claim the GST input tax credit on the purchase and depreciate it over its working life. Confirm the specifics with your accountant, as treatment depends on your business structure.
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 trailers make up most of what we finance, including flat-tops, drop-decks, curtainsiders and tautliners. Dealer purchases are simplest. Private sales need a PPSR check, which we run, and the trailer's age and condition will shape which lender and term fit.
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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.