Ready to Finance Your Next Refrigerated Truck?
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
Other
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
Complete unit finance
We finance the truck, insulated body, and refrigeration unit as one package. No need to arrange separate finance for the fridge unit and the base truck.
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All refrigeration brands
Thermo King, Carrier Transicold, Zanotti, Hwasung Thermo, and more. Diesel, electric standby, and eutectic plate systems across all configurations.
Multi-temp and specialty configurations
Single temp chillers, dual zone multi-temp, deep freeze units, and pharmaceutical grade temperature controlled vehicles. We finance every configuration.
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Compliance and upgrade finance
Need to upgrade to meet new food safety standards? We arrange finance for body replacements, refrigeration upgrades, and complete unit swaps.
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Light duty refrigerated vans
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Medium rigid refrigerated trucks
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Heavy rigid refrigerated trucks
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Curtain side refrigerated trucks
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Multi-temp delivery trucks
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Urban last mile delivery vehicles
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Single refrigerated semi trailers
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B-double refrigerated sets
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Road train refrigerated trailers
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Multi-temp trailer configurations
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Insulated and chiller trailers
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Blast freezer trailers
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Pharmaceutical transport vehicles
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Blood and medical transport
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Ice cream and gelato trucks
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Seafood transport vehicles
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Floral and nursery transport
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Chemical temperature controlled
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Thermo King unit replacements
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Carrier Transicold upgrades
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Insulated body builds
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Pantech refrigerated conversions
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Standby electric systems
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Temperature monitoring upgrades
HOW THE PROCESS WORKS
How Refrigerated Truck Finance Works
A straightforward process from application to approval.
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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 the truck and fridge unit together?
Yes. We bundle the base truck, insulated body, and refrigeration unit into one finance package. This is the most common
What refrigeration brands do you finance?
All major brands including Thermo King, Carrier Transicold, Zanotti, and more. Diesel, electric standby, and eutectic sy
Can I finance a refrigeration unit replacement?
Yes. If your truck is in good condition but the fridge unit needs replacing, we can arrange finance for just the refrige
Do you finance multi-temp refrigerated trucks?
Yes. Multi-temperature configurations are increasingly common for delivery operators servicing multiple product types. W
How are refrigerated trucks valued for finance?
Lenders assess the complete package including base truck age, body condition, and refrigeration unit age and type. Well
Can I finance a refrigerated van for a small business?
Yes. We finance refrigerated vans from around $30,000 upwards. Small business operators, caterers, florists, and food pr
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