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Ultimate Guide on Trailer Finance

Truck finance (14)

"From Sole Traders to Compnay Owners– We’ve Got You Covered."

If you're in the market for a new or used trailer, whether for business or personal use, Trailer Finance can make it possible without straining your cash flow. At Equifund Financial Group, we help clients secure competitive trailer financing through access to over 80+ lenders across Australia. Whether you’re a sole trader, small business owner, or a dealer, our solutions are tailored to meet your needs.

Use our Trailer Loan Calculator to estimate your repayments today and discover how simple it is to finance your next purchase!

 

 

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1. What is Trailer Finance?

Trailer Finance is a loan facility that helps individuals and businesses purchase a trailer by spreading the cost over time through manageable repayments. Rather than paying upfront, trailer financing lets you preserve your working capital while still gaining full use of the asset.

Trailers can be financed for different purposes – from transport and logistics to farming, construction, and personal use.

At Equifund Financial Group, we simplify the trailer finance process by offering flexible terms, competitive rates, and access to a vast lender network.

👉 Explore our Trailer Finance Solutions

2. Types of Trailer Finance

When it comes to financing your trailer, you have several options depending on your needs:

  • Chattel Mortgage: You own the trailer outright from the start while the lender uses it as security until the loan is paid.

  • Hire Purchase: You hire the trailer from the lender and take ownership once the final payment is made.

  • Lease Agreements: Ideal for businesses that prefer to rent instead of own, offering potential tax advantages.

  • Personal Loans: Suitable for individuals financing trailers for non-business use.

Each option has its pros and cons, and the best choice depends on your goals, structure, and cash flow.

3. Who Can Get Trailer Finance?

Trailer finance is available to a wide range of customers, including:

  • Sole Traders

  • Small to Medium Businesses

  • Large Enterprises

  • Owner-Operators

  • Dealers and Resellers

  • Individuals (for personal trailer purchases)

At Equifund Financial Group, we work with clients from all walks of life, including startups and businesses with low documentation requirements. Even if you’re newly self-employed, we have no-doc and low-doc trailer financing options available.

4. Difference Between Sole Trader and Company Financing

When it comes to trailer finance, the lending criteria can differ based on your business structure:

Aspect Sole Trader Company
Ownership The individual owns the trailer The company owns the trailer
Liability Personal liability for the loan Corporate liability (separate from personal assets)
Documentation Basic ID, ABN, and income proof Company financials, director guarantees
Finance Options No-doc options available Full range of finance types

Whether you’re a sole trader or a company, we can tailor the right trailer financing solution to match your needs.

5. Types of Trailers Equifund Financial Group Can Finance

We provide finance for a wide range of trailers, including but not limited to:

  • Box Trailers

  • Flatbed Trailers

  • Tipper Trailers

  • Car Carrier Trailers

  • Refrigerated Trailers

  • Livestock Trailers

  • Heavy Equipment Trailers

  • Tanker Trailers

Whether you're expanding your logistics business or need specialised equipment for agriculture, our team is ready to assist you.

6. Types of Finance We Provide

At Equifund Financial Group, we offer a variety of finance options for trailers and more:

Our team helps you find the right match based on your business needs and cash flow.

7. Over 80+ Lenders on Our Panel

We are proud to have partnerships with over 80 lenders across Australia, including major banks, specialist truck and trailer financiers, and alternative lenders. This wide network allows us to:

✅ Negotiate competitive trailer loan rates
✅ Offer faster approvals
✅ Find options for low-doc or no-doc trailer financing
✅ Support bad credit trailer loans when applicable

When you work with Equifund, you’re accessing one of Australia's largest finance networks.

8. Frequently Asked Questions (FAQ) About Trailer Finance

Can I use a Trailer Loan Calculator before applying?

Yes, absolutely! We highly recommend using our Trailer Loan Calculator to get an instant estimate of your potential repayments.
A trailer loan calculator helps you plan your finances by showing how loan terms, interest rates, and repayment periods can impact your monthly or fortnightly payments. It’s a smart first step before applying for trailer financing.

Can I get Trailer Finance if I’m a Sole Trader?

Yes! Trailer finance is very popular among sole traders, especially in industries like logistics, construction, and agriculture. If you're a sole trader, you may even qualify for no-doc trailer financing options if you have an ABN and can demonstrate your ability to repay.
Equifund Financial Group specialises in working with sole traders and tailoring trailer financing packages that suit their cash flow and business needs.

Is Trailer Financing available for Companies as well?

Definitely. Companies looking to expand their fleet or invest in transportation assets often turn to trailer financing to preserve capital and maintain operational flexibility.
As a company, you may access larger loan amounts, competitive rates, and flexible repayment terms. Speak to our team at Equifund to explore the right trailer finance options for your corporate needs.

What types of trailers can I finance?

Through Equifund Financial Group, you can finance almost any type of trailer, including:

  • Box Trailers

  • Flatbed Trailers

  • Refrigerated Trailers

  • Tipper Trailers

  • Car Carrier Trailers

  • Livestock Trailers

  • Tanker Trailers

  • Custom-built or specialised trailers

Whether you're after a standard box trailer or a heavy-duty equipment trailer, our trailer finance options can be tailored to fit.

Can I get Trailer Finance for Used Trailers?

Yes, we offer trailer financing for both new and used trailers.
Purchasing a used trailer can be a cost-effective solution, and many of our 80+ lender partners are open to financing second-hand assets, provided they meet certain age and condition requirements.

How much can I borrow with Trailer Financing?

The amount you can borrow depends on several factors, including the type of trailer, your credit history, and your business structure.
At Equifund, we can help you secure trailer finance from as little as $10,000 to well over $500,000, depending on the trailer and your needs. Use our Trailer Loan Calculator to estimate your possible borrowing amount.

Do I need a deposit for Trailer Finance?

Not always. Many of our lenders offer 100% trailer financing with no deposit required, particularly for established businesses or applicants with strong financials.
However, providing a deposit can sometimes lower your monthly repayments and improve your chances of approval, especially if you have a newer ABN or limited financial documentation.

Can I get Trailer Finance with Bad Credit?

Yes, even if your credit history isn’t perfect, we can still assist. We work with lenders who specialise in bad credit trailer finance. While you may face slightly higher interest rates, having access to over 80 lenders gives us the flexibility to find a solution tailored to your situation.

How fast can I get approved for Trailer Financing?

Pre-approvals for trailer finance can happen within 24–48 hours, depending on how quickly you provide the required documents.
We aim to make the trailer financing process fast and stress-free, helping you secure your trailer as soon as possible. You can even get started today by filling out our online enquiry form.

Why Choose Equifund Financial Group for Trailer Finance?

Choosing Equifund means you’ll have access to:

  • Over 80+ lenders on our panel

  • Personalised finance solutions

  • Fast approvals and pre-approvals

  • Competitive trailer loan rates

  • No-doc and low-doc trailer finance options

  • Expertise with both sole traders and companies

We specialise in trailer finance for all types of buyers — from individuals and start-ups to large transport companies.

 

9. Trailer Finance for Dealers

Are you a trailer dealer? Partner with Equifund Financial Group and boost your sales!

We offer special finance programs for trailer dealers and truck dealers including:

  • Exclusive $500 Voucher Offer on settlements

  • Priority processing for dealer clients

  • Promotional support to help you close deals faster

  • Custom finance packages to match different trailer types

Whether you're a national dealer or a local reseller, our dealer finance solutions are designed to give you an edge.

👉 Enquire About Dealer Finance Partnerships

Final Thoughts

When it comes to Trailer Finance in Australia, Equifund Financial Group is your trusted partner. Whether you’re an individual, business owner, sole trader, or dealer, we have the expertise and lender network to get you on the road faster.

Get started today by using our easy Trailer Loan Calculator to estimate your repayments and contact our friendly team for a tailored quote.

📞 1300 464 805
📧 info@equifund.com.au

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