Trailer Finance Melbourne

We finance every trailer class: flat tops, drop decks, extendables, curtainsiders (incl. mezzanine + double-deck), refrigerated trailers (single + multi-temp), tippers (semi, side, dog), B-double sets, skel trailers, low loaders, jeep + dolly combinations, tankers, pneumatic bulk and tilt trays. All major Australian-made brands including Krueger, Maxitrans (Freighter, Hamelex White, AZMEB), Vawdrey, Lusty EMS, Tefco, Drake, Howard Porter, Ronson and BCM. New, used, demonstrator, dealer or private sale.

Pre-approval typically comes back inside a business day when your application is complete. Settlement happens once you have signed contracts and any final lender conditions are met. Specialist asset lenders move faster than major banks on trailer deals because they assess the trailer set and freight income directly rather than waiting on property valuations.

No. Equifund's specialist lender panel includes options that assess on the trailer asset, your freight income and trading history rather than requiring property as security. This matters most for owner-operators, family fleets and bulk-haulage subbies who don't want to lock the property folio.

$0 deposit is available for prime applications, especially established operators with active freight contracts or subcontract head-contractor agreements. New ABNs typically need some contribution, but $0 deposit on the right deal is common for ongoing operators with verifiable freight income.

Yes. Used trailers (incl. ex-fleet and end-of-life-cycle units), private sale and auction purchases are all financeable through the specialist asset lenders we work with. Major banks typically have age cut-offs that knock out older trailers; specialist lenders look at the trailer condition, axle-set wear and PBS rating rather than calendar age alone.

Yes. Refinance is common when an existing deal was settled at high rates, has an unfavourable structure (balloons, restrictive covenants), or is consolidating multiple trailers into one facility. We compare your current setup against the specialist panel and present options.

A panel of 80+ Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that specifically understand freight income, head-contractor agreements and trailer-set residual value.

Yes. Fleet deals, two or three trailers for a single contract, B-double + tag set, or a staged purchase across a 12-month pipeline, are common. The lender panel includes options that split fleet deals across facilities or fund them under one master agreement.

Yes. Combined prime mover + trailer applications (lead-and-tag, B-double + dolly, road train sets) are common and usually structured under a single facility against the contract value. Specialist lenders understand how the prime mover and trailer set work together as a revenue-earning unit.

Chattel mortgage: you own the trailer, claim depreciation and GST, and the lender holds security over the asset. Finance lease: the lender owns the trailer and you make rental payments; GST is claimed on each payment. Most owner-operators run chattel mortgage for the depreciation benefit; fleet operators sometimes mix lease for cashflow reasons. Both available across the specialist panel.

Freight income recognition is how a specialist lender reads income from freight invoices, head-contractor agreements, head-contractor purchase orders and ongoing route contracts rather than treating only PAYG salary as income. It matters for owner-operators and fleet operators whose income comes from freight-rate or contracted haulage, not a fortnightly pay slip.

Low-doc trailer finance is asset finance approved on a reduced document set, typically BAS, bank statements and the freight contract or quote, rather than full financials and tax returns. Best suited to established operators with an active ABN, freight income and trading history who don't have current-year financials prepared.

Pre-approval is a conditional credit decision from a specialist lender before you commit to a specific trailer. It gives you a confirmed budget, repayment estimate and a contract window to find the right asset. Pre-approval is a credit decision, not a guarantee, final approval is subject to the chosen trailer meeting the lender's asset criteria.

An Australian Credit Licence (ACL) is the ASIC authorisation required to engage in regulated credit activities in Australia. Equifund operates under ACL 389328. This means we are bound by responsible lending obligations and the National Consumer Credit Protection Act when arranging finance.

Yes. West Gate Tunnel, North East Link, Suburban Rail Loop, Metro Tunnel and the broader Melbourne Big Build civil pipeline tipper haulage are a strong asset case for specialist lenders that fund tipper-and-dog combinations, side-tippers, bulk-haulage tipper sets and drop-deck units for tier-1 and tier-2 subbies across the VIC infrastructure pipeline. Lyndhurst basalt quarry and Bacchus Marsh quarry production haulage are also commonly funded.

Yes. Port of Melbourne container drayage skel trailer sets are common assets across the panel. Webb Dock, Swanson Dock and Patrick Container Terminal wharf contract value, terminal-operator agreement and asset condition are weighted directly. We fund skel sets, container-shuttle units and side-loader trailers for owner-operators and mid-size fleets across the Melbourne container drayage market.