Apply for Tow Truck Finance
Tell us about your business and the tow truck you want. We will come back with a clear pre-approval so you know your bidding budget before you sign anything.
FINANCE CALCULATOR
Get a quick estimate of your tow truck repayments before you speak with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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12 months
84 months
0%
60%
Percentage of the loan left owing as a final lump-sum (balloon / residual).
Estimated repayments
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Approx. weekly
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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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Tilt Tray Tow Trucks
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Slide Tray Recovery
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Flat Top Carriers
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Integrated Underlift
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Heavy Recovery Trucks
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Twin Deck Carriers
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Hook Lift & Skip Bin Trucks
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Recovery Trailers
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Light Commercial Tow Vehicles
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Lenders that say yes to tow truck deals
We work with lenders who understand tow truck builds, ex-fleet recovery vehicles and custom body conversions, so you get yes more often than you would at a high-street bank.
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Speed that matches your callout response
Recovery work depends on a working truck. We push for fast assessments and same-day pre-approval so you can buy the truck before the seller moves on.
Repayments structured around recovery cash flow
Tow truck income is uneven by nature. We structure repayments around your real cash flow so a quiet week does not break the loan.
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Low-doc, no-deposit and owner-operator friendly
Owner-operators, sole traders, non-property owners and contractors with non-standard documentation are all welcome. Low-doc options available for eligible applicants.
Transport and Logistics
No deposit options
Low doc
Non property owners
Finance that preserves cash flow, gives fast access to essential equipment, reduces financial risk, and keeps your fleet moving efficiently while supporting uninterrupted operations.
Assets we finance :
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Prime movers and heavy trucks
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Trailers and semi-trailers
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Refrigerated transport units
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Box trucks and rigid trucks
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Curtain side trailers and flatbed trailers
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Tankers for fuel or liquids
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Light commercial vehicles such as vans and utes
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Forklifts and material handling equipment
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Utility trailers and support vehicles
Farming & Agriculture Equipment
Any-age asset finance
Refinance and upgrade solutions
Seasonal and structured finance
Flexible finance designed for seasonal cash flow, giving fast access to essential machinery and equipment while supporting productivity and operational efficiency throughout the year.
Assets we finance :
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Tractors and agricultural machinery
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Combine harvesters and balers
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Ploughs, seeders, and sprayers
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Loaders, skid steers, and access machinery
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Livestock transport vehicles
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Fodder and feed preparation machinery
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Farm utility vehicles (utes, ATVs, small trucks)
Construction & Civil Equipment
Any-age asset finance
Refinance and upgrade solutions
Seasonal and structured finance
Keep your projects on schedule and your crews productive with flexible finance for reliable machinery. Scale across multiple sites and equipment needs with solutions designed to support ongoing operations and reduce downtime.
Assets we finance :
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Excavators and backhoes
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Loaders and skid steers
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Cranes and hoists
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Concrete mixers and pumps
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Compactors and rollers
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Forklifts and material handling machinery
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Trucks and site vehicles
Earthmoving & Mining Equipment
Any-age asset finance
Refinance and upgrade solutions
Seasonal and structured finance
Keep your operations productive with finance designed for heavy machinery. Access the equipment you need quickly, reduce financial risk, and maximise efficiency across mining sites and earthmoving projects.
Assets we finance :
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Excavators and backhoes
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Loaders and skid steers
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Cranes and hoists
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Concrete mixers and pumps
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Compactors and rollers
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Forklifts and material handling machinery
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Trucks and site vehicles
HOW THE PROCESS WORKS
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move 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.
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Quick quotes, fast approvals
How quickly can I get tow truck finance approved?
Most tow truck pre-approvals come back inside 24 hours, depending on your business profile. Settlement can follow within another 24 to 48 hours once documents are signed and the truck is verified.
Can I finance a used tow truck?
Yes. We do not apply strict age caps. Approval depends on the truck's condition, body type and earning capacity. Used tilt trays, slide trays, integrated wreckers and ex-fleet recovery vehicles are all financeable.
What's the best finance structure for a tow truck: chattel mortgage, lease or hire purchase?
Most tow operators choose a chattel mortgage: you own the truck from day one, claim depreciation and the GST upfront, and the truck sits on your balance sheet. Finance lease and hire purchase suit operators who prefer to keep the truck off-balance-sheet or want flexibility on a residual. We walk you through the trade-offs before you commit.
Do you finance ex-RACV, RACQ or NRMA fleet tow trucks?
Yes. Ex-fleet recovery vehicles are well-known to our lender panel and finance is straightforward, even on older units, provided the truck is roadworthy and the build is intact.
I'm an owner-operator with a new ABN. Can I still get tow truck finance?
Yes. We have lenders who consider new-to-business owner-operators, especially where you have prior industry experience or evidence of recovery contracts. Low-doc options are available for eligible applicants.
I run a smash repair shop and want a tow truck for the workshop. Can you help?
Absolutely. Smash repairers buying their first tow truck are a common deal for us. We assess the truck against the workshop's income and structure repayments around recovery work, not just panel revenue.
Do I need a deposit?
Not always. No-deposit options are available for eligible operators. The right structure depends on the truck, your trading history and your preferred repayment level.
Will applying affect my credit score?
No. The initial eligibility check is no-impact. A formal credit enquiry is only completed once you decide to proceed with a full application.
What documents do I need for tow truck finance?
For a standard application: drivers licence, ABN/ACN, recent BAS or bank statements, and the truck details (NVIC or stock number). Low-doc options need less. We send you a clear list once we know your profile.
Are there tax benefits to financing a tow truck?
Most tow operators on a chattel mortgage can claim depreciation, interest and the GST credit upfront, and may be eligible for the instant asset write-off where applicable. Speak to your accountant about your specific position.
Can I finance a custom-built or second-stage manufactured tow truck?
Yes. We finance custom builds, second-stage manufacturing on a cab chassis, and bundled deals that include the truck plus the body, wheel lift, winches and recovery accessories.
Does Equifund finance attachments and accessories like wheel lifts, dollies and winches?
Yes. Tow truck attachments and recovery accessories can be bundled into the finance, which is cleaner than buying them separately later.
Still Have a Tow Truck Finance Question?
If your tow truck question isn't answered above, call our team. We talk to recovery operators every day.
1300 464 805