Ready to Finance Your Next Prime Mover?
Complete the details below to fast track your finance application.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
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
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Submitting this form does not lock you into finance.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Specialist trucking lenders
We work with lenders who understand prime movers, route types, and contract structures. They assess your application based on earning capacity, not just your balance sheet.
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All brands and configurations
Kenworth, Mack, Volvo, Scania, Mercedes-Benz, DAF, Iveco, Freightliner, Western Star. Day cab, sleeper cab, bonneted, cab-over, single drive, twin steer.
Owner-driver startup packages
First truck? We have lenders who finance owner drivers with limited trading history. ABN, licence, and a subcontract or work history is often enough to get started.
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Fleet expansion and replacement
Adding to your fleet or cycling out older units? We arrange finance for single trucks through to multi-unit fleet orders with volume pricing.
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Sleeper cab prime movers
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B-double rated units
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Road train and triple rated
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High horsepower highway trucks
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Fuel efficient long distance units
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Aerodynamic highway configurations
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Day cab prime movers
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Skel trailer compatible
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Port shuttle configurations
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Twin steer units
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High manoeuvrability cab-overs
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Container handling equipped
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Multi-drive configurations
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Heavy duty bonneted trucks
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Ballast body prime movers
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Wide load escort compatible
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High torque low speed units
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Specialist heavy haulage builds
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Road train rated prime movers
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Livestock crate compatible
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B-triple configurations
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Bulk tanker prime movers
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Grain and commodity haulage
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Regional and rural spec units
HOW THE PROCESS WORKS
How Prime Mover Finance Works
A straightforward process designed to get you from application to approval quickly.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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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.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
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
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.
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.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
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
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.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Can I finance a prime mover as an owner driver?
Yes. We specialise in owner driver finance. If you have an ABN, a truck licence, and work lined up or subcontract histor
What prime mover brands do you finance?
All major brands including Kenworth, Mack, Volvo, Scania, Mercedes-Benz, DAF, Iveco, Freightliner, and Western Star. New
Can I finance a prime mover and trailer together?
Yes. Bundling your prime mover with a trailer into one finance package is common and can simplify your repayments and ad
What is the maximum loan term for a prime mover?
Terms range from 2 to 7 years depending on the age and value. New prime movers typically qualify for 5 to 7 year terms.
Do I need a large deposit for a prime mover?
Not necessarily. Many lenders offer low or zero deposit prime mover finance for qualifying applicants, especially for ne
Can I get finance with a new ABN?
Yes. We have lenders who finance operators with ABNs under 2 years old. Terms may differ but we can usually find a solut
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805