Tipper Finance for Civil and Haulage Operators

We have a wide panel of Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that specifically understand freight income and transport assets. Your specialist matches your file to the right lender for the deal.

Yes, multiple tippers can be financed in one application. We regularly settle multi-tipper deals for Australian fleets, often splitting the package across more than one lender to fit each asset's spec and your overall structure.

Yes, we finance trailers and equipment as well as tippers. Tippers, attachments, trailers and related equipment are all on the panel. Equipment security can be structured independently of tipper finance if that better suits the deal.

A chattel mortgage gives you immediate ownership of the tipper while the lender holds it as security. You claim GST upfront and depreciate the tipper for tax. It is the most common structure for established Australian owner-operators. A finance lease keeps the tipper on the lender's books with set monthly payments and an optional residual paid at the end of the term. Useful for fleet operators managing repayments against vehicle turnover. Your Australia-based tipper finance specialist will recommend the structure that suits your business and tax position. Read the full chattel mortgage vs finance lease comparison.

Freight income recognition is how a specialist lender reads income from freight invoices, contractor payments and BAS rather than treating only PAYG salary as income. Bank credit templates often miss this. Specialist lenders read freight income accurately, which is why established Australian operators frequently get pre-approved on deals that mainstream banks decline.

Low-doc tipper finance is finance assessed on a reduced documentation set, usually a Director declaration plus business activity statements or recent bank statements, rather than full financials. It is faster to process and common for established small-fleet operators in Australia who would rather not produce two years of full tax returns for a single asset purchase.

Pre-approval is a conditional finance approval issued before you commit to a tipper. It sets the maximum loan amount, indicative rate, term and repayment structure so you can negotiate with dealers, private sellers or auction houses on solid ground. Equifund pre-approvals are typically issued within 24 hours of form submission.

An Australian Credit Licence (ACL) is a licence issued by ASIC permitting a business to engage in credit activities under the National Consumer Credit Protection Act. Equifund holds Australian Credit Licence 389328. Working with an ACL holder is a baseline regulatory protection for the borrower and a baseline trust signal for any Australian finance provider.

Yes, we finance side-tippers, end-tippers and body tippers for civil and construction work. Side-tippers, end-tippers, body tippers, tipping trailers and prime mover and tipper combinations for civil and construction work are routinely financed through specialist transport lenders on our panel. Lenders understand head-contractor progress-claim payment terms and tier-one subcontract structures.

Yes, tippers can be financed on contract income rather than property security. Lenders on our panel score tippers on freight income, route history and active quarry, asphalt plant and civil contract income, not just property security. BAS, bank statements and the contract paperwork carry the application, and the tipper itself secures the loan.

A tipper you have found for sale online can be financed whether the listing sits with a dealer, a marketplace or a classifieds page. The lender assesses the machine itself, so the make, model, year, hours and the type of seller matter far more than where the advertisement appeared. Send us the listing and we will confirm what that lender needs to see.

There is no fixed age or hours cut-off across the panel. Lenders weigh the machine's make, model, hours and condition against your trading history, so a well-maintained high-hour machine from a mainstream brand is often funded where a rarer machine of the same age is not. Older machines may attract a shorter term or a deposit.

To apply for tipper finance you need an active ABN, recent BAS or bank statements, the machine details including serial number, hours and year, and the supplier invoice or quote. If the work is contracted, the contract or purchase order helps. We confirm exactly what your lender match needs after a quick call.