Tipper truck finance for civil, landscaping and earthmoving cartage
Single and tandem-axle tippers, truck-and-dogs and tipper bodies — financed on terms built around cartage work.
A tipper truck earns every day it's on site or on the road, moving spoil, sand, rubble and aggregate for civil jobs, landscaping supply and demolition cleanup. We structure the finance around how cartage actually gets paid, so the repayment doesn't outrun your cash flow. New or used — we can usually fund it.
Who it's for
Civil contractors, earthmoving operators, landscape supply businesses and demolition and cartage subcontractors.
A balloon keeps repayments in line with cartage income
Cartage work is often paid on account, with invoices settled 30 to 60 days out. 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 on to the next truck.
Wrap the tray, hoist and tarp system into one facility
A bare cab-chassis isn't much use for cartage on its own. The tipping body, hydraulic hoist and tarp or roll-cover system can usually be included in the same chattel mortgage as the truck, so the whole rig is one asset and one repayment rather than a truck loan plus a separate bill for the body.
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, tipper truck finance can frequently be arranged with no tax returns, BAS or bank statements. That's usually enough headroom for a single or tandem-axle tipper. We'll tell you honestly whether low-doc or a full submission gets you the better outcome.
Buying secondhand? A title check protects you
Most tippers 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, so you're not caught out after you've paid.
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. It also means you can move quickly when the right truck comes up, whether that's through a dealer or a private seller.
Own the truck, claim the GST and depreciation
On a chattel mortgage your business owns the tipper 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, since it 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 tippers are the majority of what we finance. A dealer purchase is the simplest path. Private sales just need a PPSR title check, which we run before settlement, and the truck's age and kilometres 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.