Truck Finance Australia

Prime movers, tippers, refrigerated trucks, truck and dog combinations, and more.

Truck Finance Services Australia Your Trusted Loan Partner

Whether you’re purchasing a prime mover, tipper, refrigerated truck, curtainsider, rigid truck or truck and dog combination, Asset Finance Avenue can help explore a range of truck finance options tailored to your business.

We work with a broad panel of Australian lenders and can assist with both new and used truck purchases, including private seller, dealer and interstate transactions. From owner drivers and start-up operators through to established transport businesses and growing fleets, our goal is to make the finance process simple, straightforward and stress-free, helping you get on the road sooner.

Finance For Private Sellers

Found the right truck through a private seller? We can help. Asset Finance Avenue regularly assists customers purchasing trucks from private sellers throughout Australia, including interstate transactions.

While private sales can sometimes be more complex than purchasing through a dealership, our team can help coordinate the process from approval through to settlement. Depending on the lender and asset, we may assist with ownership verification, PPSR checks, registration confirmation and payment directly to the seller.

Whether you’re purchasing a prime mover, tipper, refrigerated truck, rigid truck or truck and dog combination, we can explain your finance options and help make the purchase process as smooth as possible.

Finance For Bad Credit

Life happens. Whether you’ve experienced financial hardship, missed payments, defaults or other credit challenges, it doesn’t automatically mean truck finance is out of reach.

At Asset Finance Avenue, we understand that every situation is different. Some lenders are willing to consider more than just a credit score, taking into account factors such as your industry experience, current contracts, income, repayment history and overall circumstances.

While approval can never be guaranteed, we may be able to help explore options for owner drivers, transport operators and businesses that have experienced credit challenges. If you’ve found the right truck, our team can assess your situation and explain what finance options may be available.

New Venture Funding

Recently started your own transport business or secured a work contract but don’t have years of trading history? You’re not alone. Asset Finance Avenue regularly assists owner drivers and start-up operators looking to get on the road and grow their business.

While some lenders prefer established businesses, others may consider factors such as your industry experience, previous employment history, work contracts, deposits and overall circumstances. Whether you’re purchasing your first prime mover, tipper, refrigerated truck or truck and dog combination, we can help explore the available options.

If you’re new to business but have the right opportunity in front of you, our team can assess your situation and help determine what finance solutions may be available.

Why Use Asset Finance Avenue?

  • Broad panel of Australian lenders

  • Private seller and interstate purchase specialists

  • Finance for boats, jet skis and marine vessels

  • Flexible loan structures available

  • Fast, simple and stress-free process

  • Australia-wide service

Trucks Trucks

Frequently Asked Questions

Starting a transport business doesn’t automatically mean finance is out of reach. While some lenders prefer businesses with an established trading history, others may consider applications from newly established operators. Factors such as industry experience, previous employment history, signed work contracts, deposits and your overall financial position may all be considered. Whether you’re purchasing your first prime mover, tipper or truck and dog combination, our team can assess your circumstances and help identify lenders that may be suitable for your situation.

Yes. Many truck purchases occur through private sellers rather than dealerships, particularly within the transport industry. Asset Finance Avenue regularly assists clients purchasing trucks from private sellers throughout Australia, including interstate transactions. Depending on the lender and asset, we may assist with ownership verification, PPSR checks, registration confirmation and coordinating settlement directly with the seller. Purchasing privately can often provide access to a wider range of vehicles, and finance may still be available subject to lender requirements.

Potentially. Every application is different, and some lenders are willing to consider more than just a credit score. Factors such as your current income, industry experience, business performance, repayment history and the reason behind any past credit issues may all be taken into account. While approval can never be guaranteed, many transport operators are surprised to learn that finance options may still be available despite previous defaults, missed payments or other credit challenges.

Deposit requirements vary depending on the truck being purchased, the lender’s policies and your individual circumstances. In some cases, finance may be available with little or no deposit, while other applications may require a contribution. Factors such as the age of the truck, the purchase price, your credit profile and business experience can all influence the lender’s requirements. Our team can explain the available options and help structure a solution that suits your circumstances.

Yes. Many lenders offer finance for both new and used trucks, including prime movers, tippers, refrigerated trucks and truck and dog combinations. The age, condition and suitability of the asset may influence which lenders are available and the terms they offer. Whether you’re purchasing through a dealer or private seller, we can help explore the finance options that may be available and guide you through the process from application through to settlement.

In many cases, yes. Truck finance is often secured against the vehicle itself, meaning residential property security may not be required. This allows many owner drivers, transport operators and business owners to access funding without placing their home or other property at risk. Requirements vary between lenders and applicants, however asset-backed finance remains one of the most common funding structures within the transport industry.

Approval timeframes vary depending on the complexity of the application, the lender involved and the information provided. Straightforward applications can sometimes be approved within hours, while more complex scenarios may take longer. Having supporting documents available, such as identification, financial information, truck details and work contracts, can often help streamline the process. Our team works closely with lenders to help keep applications moving and minimise unnecessary delays.

A broker can compare multiple lenders and help identify options that may suit your circumstances, rather than only having access to 1 option

What We Finance...

Prime Mover Finance

Tipper Truck Finance

Concrete Pump Finance

New Business Finance

Truck & Dog Finance

Refrigerated Truck Finance

Recent Finance Approvals

Concrete Pump
A client looking to expand their concrete pumping business required $350,000 to purchase a concrete pump. While the business had limited capacity to fund the purchase outright, they had secured a work contract that demonstrated immediate demand for the equipment and were able to contribute a 20% deposit.

After reviewing the contract, business background and asset details, we secured funding with a lender comfortable with the transaction. The approval allowed the client to take delivery of the equipment and commence work under the contract, helping grow the business without tying up additional working capital.

Prime Mover
A transport operator located a 10 year old prime mover through a private seller and wanted to move quickly to secure the vehicle. While the truck’s age meant some lenders were unable to assist, the asset had been exceptionally maintained and came with a comprehensive service history documenting its maintenance and upkeep.

After reviewing the vehicle, service records and the client’s circumstances, we secured approval with no deposit required and coordinated settlement directly with the seller. The client was able to add the prime mover to their fleet and get it on the road generating income without needing to contribute additional capital upfront.

3 New Trucks
An established seafood wholesaler required funding for three refrigerated trucks to support growing demand and expand their delivery capacity. The business had a strong trading history and established customer base but wanted a streamlined finance solution that wouldn’t require the preparation of full financial statements.

After reviewing the business and asset details, we secured approval on a low-doc basis within 48 hours. The funding allowed the client to acquire all three refrigerated trucks and put them into service quickly, helping maintain product quality, improve delivery efficiency and support the continued growth of the business.

Top Trucking Topics We Discuss

Owner Driver Finance

Curtainsider Truck Finance

Fleet Finance

Bad Credit Truck Finance

Transport Finance

Long Haul Truck Finance

Looking for something else? We can also assist with Manufacturing Equipment, Construction Equipment & Business Loans!

Enquire to learn more

Every finance application is different. Examples are provided as general case studies only. Approval is subject to lender criteria and individual circumstances.

© 2026 Asset Finance Avenue. All rights reserved.

ODAAT Capital Pty Ltd ABN 88 676 958 142, is an Authorised Credit Representative #561546 of AFAS Group Pty Ltd, Australian Credit Licence #414426.
ODAAT Capital (2) Pty Ltd ABN 28 681 351 226, is an Authorised Credit Representative #564128 of LMG Broker Services Pty Ltd, Australian Credit Licence #517192.

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