Owner Driver Finance | First Truck Loans

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

Finance type

Loan amount

Enter the approximate amount you’d like to finance.

Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

Percentage of the loan left owing as a final lump-sum (balloon / residual).

Estimated repayments

Monthly repayment

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Approx. weekly

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Loan amount $0.00

Interest rate 0.00% p.a.

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Balloon / residual $0.00

Total repayable (incl. balloon) $0.00

Estimated interest over term $0.00

This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Finance packages designed specifically for owner drivers entering the trucking industry or expanding their operation. Whether you are buying your first prime mover, adding a second truck, or upgrading from a rigid to a B-double combination, we have lenders who specialise in owner driver startups and growth.

Check Eligibility Now Get Pre-Approved

30-second check. No impact on your credit score.

Choose your industry

Choose the category that best describes your finance requirement.

Transport & Logistics

Farming & Agriculture

Construction & Earthmoving

Other

Submitting this form does not lock you into finance.

$50M+ in equipment financed

3x faster decisions than major banks

Dedicated support to find the best solutions

ASIC licensed & regulated

OWNER DRIVER FINANCE

Owner Driver Finance for Australian Trucking Operators

Our brokers have helped hundreds of owner drivers get their first truck on the road. We know which lenders finance first time operators, what documentation they need, and how to present your application to maximise your chances of approval at a competitive rate.

Becoming an owner driver is one of the biggest career moves in the trucking industry. Going from employed driver to business owner means buying your first truck, sorting insurance, finding work, and managing cash flow. The finance is often the hardest part. Banks want two years of business financials from someone who has not been in business yet. We have lenders who understand this transition and assess your application on driving experience, industry knowledge, and work availability.

Trucks

Semi-Trailers & Trailers

Refrigerated trucks

Excavators & Loaders

Cranes & Site Machinery

Trailer Trucks

Tractors & Harvesters

Yellow Goods

Skid Steers & Access Equipment

First truck specialists

We have lenders who specifically target first time owner drivers. They assess your application on driving experience and work availability, not just financial history.

New ABN welcome

Just registered your ABN? Many of our lenders finance operators with ABNs under 12 months. Your driving experience from employment counts as relevant industry history.

Truck and trailer packages

Finance your prime mover and trailer as a package. Bundling reduces administration and can improve your overall rate and terms.

Subcontract and contract support

Have a subcontract offer or letter of engagement? This significantly strengthens your application by demonstrating confirmed future income.

Get Pre-Approved Today

New prime movers from all brands
Used prime movers under 10 years
Rigid trucks for local work
Day cab for metro cartage
Sleeper cab for interstate
Tipper trucks for construction

Flat top and drop deck trailers
Curtain side and tautliners
B-double trailer sets
Tipper and dog combinations
Skeletal and container trailers
Refrigerated trailers

Toolboxes and equipment
GPS and communication systems
Chains, straps, and load restraint
Safety equipment
Dashcams and fleet tracking
Spare wheel carriers

Second truck for employee driver
Upgrade from rigid to prime mover
Add B-double capability
Interstate configuration upgrade
Fleet expansion finance
Trailer additions and replacements

HOW THE PROCESS WORKS

How Owner Driver Finance Works

A straightforward process.

Complete the Form
In 60 Seconds

Provide us with some basic information about your business and financing requirements via our secure website.

Speak With an
Industry Specialist

Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.

Get Pre-Approved
Over the Phone

Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.

Financing
Secured

Your finance broker will work with you to source the best funding offers available and guide your application to success.

Barinder Singh

Transport Operator

Non-property owner

No deposit

24hr turnaround

2025 Tipper Trailer

Transport

$150,000

Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.

Get a Quote Like This

2005 CAT Excavator

Contractor

$60,000

Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in

Get a Quote Like This

Bradley Moore

Owner-Driver

Private sale

Low Doc

24hr approval

2019 Scania Truck

Contractor

$100,000

Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.

Get a Quote Like This