Water truck finance for civil, mining services and dust suppression
Water carts and water trucks with spray bars and pump systems — financed as one complete working unit.
A water truck is a fixture on civil sites, mine services contracts and any job needing dust suppression or compaction water, and the tank, pump and spray bar are as much a part of the build as the chassis. We structure the finance around the complete working vehicle and the nature of site-based income. New or used — we can usually fund it.
Who it's for
Civil contractors, mining services operators, dust suppression contractors and councils and land development businesses.
Wrap the tank, pump and spray bar into one facility
A water truck is built from a cab-chassis with a tank, pump system and spray bar added, and sometimes a rear cannon for broader coverage. These can usually be included in the same chattel mortgage as the truck, so the complete working unit is financed as one asset rather than a chassis plus a separate tank bill.
Financing built around civil and mining services work
Water trucks are often engaged under a site or mine services contract rather than paid job by job. If your truck is tied to a specific contract, tell us upfront — it helps demonstrate the income the truck will generate, which can support the application even with a newer ABN.
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, water truck finance can frequently be arranged with no tax returns, BAS or bank statements. That's usually enough headroom for a mid-size water truck including the tank and pump system.
Buying secondhand? We check the title and the tank condition
Used water trucks are common, particularly ex-mine or ex-civil fleet units. A dealer purchase is simplest. For a private sale we run a PPSR check to confirm the truck is free of registered finance, and recommend checking the tank and pump for wear given the corrosive nature of the work.
A balloon eases the load between contract payments
Civil and mining services contracts are typically paid on progress claims or monthly terms, so income can lag behind the purchase. A balloon (residual) lowers the monthly repayment, keeping reserves free to carry the truck between payments. At term's end you refinance the balloon, pay it out, or upgrade.
Own the truck, claim the GST and depreciation
On a chattel mortgage your business owns the water truck, tank and pump system 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 for 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 water trucks, including ex-mine and ex-civil fleet units, are a large part of what we finance. Dealer purchases are simplest. Private sales need a PPSR check, which we handle, and we recommend a look at tank and pump condition given the nature of the work.
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