Trailer finance for transport and freight fleets
Tautliners, reefers, low loaders, drop decks, tippers and tag-alongs — financed on a chattel mortgage that suits your operation.
Add capacity without tying up your operating cash. Whether you're a single owner-driver or running a fleet, we arrange trailer finance on a chattel mortgage — new or used — with a balloon to keep repayments down and the right lender matched to the asset.
Who it's for
Owner-drivers, logistics companies, agricultural contractors and trade businesses.
Every commercial trailer category
Dry vans, refrigerated reefers, low loaders, skeletal and container trailers, drop decks, tippers and multi-car carriers — we can arrange finance on individual units or build a facility that lets you add trailers as contracts come in. Whatever the configuration, the chattel mortgage structure is the same: you own the trailer from day one and the lender holds security over it.
Grow the fleet without re-applying every time
If you're winning more freight, some lenders can set up a facility that lets you draw down on additional trailers as the work lands, each on its own chattel mortgage. It means you can put another tautliner or reefer on the road quickly without starting a fresh application from scratch each time.
A balloon keeps repayments low between contracts
A trailer is a long-life asset that earns for years, so a balloon (residual) — commonly around 30% — makes sense to keep the monthly repayment down and cash free between contract cycles. At the end of the term you refinance the balloon, pay it out, or roll into newer equipment as your fleet turns over.
Raise cash against trailers you already own
If your business owns trailers outright, you can often borrow against them — typically up to around 90% of current market value — to free working capital for a deposit on the next prime mover or to cover a quiet stretch. There's also sale-and-buyback within six months of a purchase. These are usually low-doc.
Own the trailer, claim the GST and depreciation
On a chattel mortgage your business owns the trailer from the start, so you can generally claim the GST input tax credit on the purchase and depreciate it over time. Confirm the detail with your accountant, but the structure is built to keep the tax working for you while the trailer earns.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, 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 a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending 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. Plenty of good trailers sell privately — we organise the inspection, title (PPSR) check and contract directly with the seller. Dealer and auction purchases are even more straightforward. A trailer's age and condition shape which lender fits and the available term.
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.