Tanker truck finance for fuel, water, milk and chemical transport
Road tankers financed on a chattel mortgage built around bulk-liquid haulage contracts.
A tanker earns on every load, so the finance should match the haulage contract paying for it. Whether you're carting fuel, water, milk or chemical product, financing the truck keeps your cash for fuel, wages and compliance costs. New or used — we can usually structure it around how your contract pays.
Who it's for
Bulk-liquid transport operators, fuel and water cartage businesses and dairy and chemical haulage contractors.
A balloon lines up with haulage contract payment terms
Bulk-liquid contracts are often paid weeks after the load is delivered, so cash can lag behind fuel, wages and compliance costs. A balloon (residual) — commonly around 20-30% — lowers the monthly repayment and keeps reserves available until the contract is invoiced and paid. At term's end you refinance the balloon, pay it out, or upgrade the tanker.
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, tanker finance can frequently be arranged with no tax returns, BAS or bank statements — often well into six figures. That's typically within range for a mid-size tanker and prime mover. We'll tell you honestly whether low-doc or a full submission gets the better outcome.
Get pre-approved before the tanker comes up
Good used tankers move quickly, particularly at clearance auctions and through transport brokers. A pre-approval tells you your limit up front so you can act as a cash-equivalent buyer and negotiate accordingly. Sort the finance before the sale, not after.
Buying secondhand or through a private sale
Used tankers move through dealers, auctions and private sellers. A private sale usually needs a title (PPSR) check and a compliance and condition review before funds are released, which we handle as part of settlement. The tank's compliance history and the prime mover's condition both shape which lender fits.
Own a tanker outright? Raise capital against it
If you already own a tanker 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 unit or a compliance upgrade. These deals are usually low-doc, and there's also sale-and-buyback within six months of a purchase.
Own the tanker, claim the GST and depreciation
On a chattel mortgage your business owns the tanker from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the vehicle over its working life. For a truck running hard on contract work, that's typically a useful deduction. Confirm the detail with your accountant before you commit.
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. We finance road tankers across fuel, water, milk and chemical cartage — the structure is matched to the vehicle and the contract work it's servicing, not the product carried.
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.