- Mon-Fri 8:30am-5:30pm AEST
- North Sydney, NSW
Keep your business moving. Secure competitive chattel mortgages, leases, and fleet finance options for prime movers, rigid trucks, trailers, utes, and cars.
No credit impact, 100% obligation-free, matched across 80+ lenders.
From single-operator prime movers to multi-vehicle corporate delivery fleets, we structure the ideal loan for your transport assets.
Customized finance structures for heavy-duty long-haul prime movers, rigid trucks, and specialist logistics vehicles. Available for single owner-operators up to multi-vehicle fleets.
Separate or bundled finance for refrigerated trailers, flatbeds, tippers, tankers, and specialised commercial transport trailing equipment.
Acquire delivery vans, dual-cab utes, service vehicles, and couriers essential for your day-to-day trade or operations.
Corporate passenger vehicles and sales fleets. Choose between chattel mortgage, finance lease, or fully managed operating leases.
A balloon payment is a lump sum due at the very end of your finance term (e.g., 30% of the vehicle value due after 5 years). By pushing a portion of the principal payment to the end, your regular weekly or monthly repayments are dramatically reduced. This preserves vital working capital for fuel, maintenance, and day-to-day business operations.
Calculate regular repayments and residual structures instantly using our interactive calculator.
Estimate your commercial loan repayments instantly.
A balloon payment reduces your regular repayments, leaving a lump sum due at the end of the term.
Estimated Repayment
Per Month
Rates are subject to lender criteria and business profile. Same-day approvals available.
Everything you need to know about commercial truck and fleet finance.
A chattel mortgage is the most popular truck finance structure in Australia. The business takes ownership of the truck from day one, and the lender secures the loan by taking a mortgage over the vehicle ('chattel'). It is highly tax-effective, allowing GST-registered businesses to claim the full GST credit on the purchase price in their next BAS, plus claim depreciation and interest deductions.
Yes! We have specialised lenders on our panel who offer low-doc truck finance specifically for new owner-operators. If you have an active ABN, a clean credit history, and a valid heavy vehicle licence, we can often secure funding without requiring years of tax returns.
The maximum balloon payment depends on the age of the truck at the end of the finance term. For a brand-new truck on a 5-year term, lenders typically allow a balloon payment of up to 30% to 40%. For used trucks, the maximum balloon is lower to reflect rapid depreciation.
Absolutely. We finance trucks purchased from both commercial dealerships and private sellers. Private sales typically require an independent vehicle inspection and a PPSR check to verify the seller holds clear title, which our brokers handle for you.
For straightforward applications with established businesses or ABN holders with good credit, we can often secure pre-approval in as little as 2 to 4 hours, with full settlement and funding within 24 to 48 hours.
Submit your truck finance enquiry in under 2 minutes. Our specialist brokers will analyse your profile and return competitive quotes within 2 hours.
Matching Australian businesses with smarter commercial finance solutions from over 80+ top-tier and specialist lenders.
ACN: 683 876 262
2026 Copyright Commercial Finance Australia