What types of trailers can I finance in Australia?

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), Vawdre

How long does Australia trailer finance take to settle?

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.

$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.

Can I finance a used trailer, private sale, or auction purchase?

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.

Can I finance multiple trailers in one application?

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.

What is pre-approval in trailer finance?

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.

I work on Big Build infrastructure or 2032 Olympic packages with tipper-and-dog combinations. Can you finance trailer plant for subcontractors?

Yes. NSW Big Build (Sydney Metro West, Aerotropolis, M6, M12), VIC Big Build (North East Link, West Gate Tunnel, Suburban Rail Loop), QLD 2032 Olympic infrastructure, WA METRONET feeder, SA AUKUS precinct civil, TAS Bridgewater Bridge and NT Middle Arm precinct works are all strong asset cases for specialist lenders that fund tipper-and-dog combinations, side-tippers, drop decks and curtainsider s

I run B-double linehaul or refrigerated logistics. How do you assess freight income?

B-double linehaul, refrigerated logistics, container drayage and bulk-haulage income is read from head-contractor purchase orders, shipper contracts, BAS, freight invoices and ongoing route agreements rather than monthly PAYG. Specialist lenders on the panel understand interstate linehaul cycles (Hume, Pacific, Newell, Stuart corridors), reefer DC run contracts, port drayage wharf agreements and g

Trailer Finance Sydney | $0 Deposit, 80+ Lenders

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Specialist trailer finance for established Sydney operators working the Hume corridor + Pacific Highway + M7 / M4 / Newell, plus civil + earthmoving + mining-services + contract income across WestConnex + M12 Aerotropolis + Sydney Metro civil. Dedicated asset-finance advice across a panel of 80+ specialist lenders. $0 deposit options, BAS and head-contractor PO assessed directly. Trailer costs bundled into one chattel mortgage, finance lease or operating lease.

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No obligation. Soft credit check only.

$50M+ financed in FY2025

Decisions in 24 to 48 hours vs major bank average of 5 to 10 business days

Dedicated Sydney-based trailer finance team

Australian Credit License 389328

WHO THIS IS FOR

Trailer Finance Built for Sydney Operators

Whether you run a Sydney-based trailer fleet across Eastern Creek, Yennora and Marsden Park or a single-operator outfit on a head-contractor PO, Equifund matches your application to the lenders that read trailer contract income, head-contractor agreements and asset residual value the right way. Common applications include b-double curtainsider trailer set, refrigerated reefer trailer, tipper + dog trailer combo.

Your application goes to specialist transport lenders who assess freight income, asset value and trading history directly, in one structured submission with no multi-lender credit hits.

Upgrading ageing trucks or trailers Replace before maintenance costs outpace what a newer asset would be worth. Trade-in and replacement structured in one application.
Securing a new freight contract Quote the work confident your pre-approval is locked in and the asset will be on site for day one.
Buying used, dealer or private sale Auction, dealer and private deals other lenders walk away from. We settle direct to the seller and handle the paperwork end to end.
Refinancing existing equipment loans Lower monthly repayments, restructure balloons before they're due, or consolidate multiple loans into one repayment.

SPECIALIST vs BANK vs DEALER

Equifund vs Bank vs Dealer Finance?

How trailer finance for Sydney ABN holders compares across the three places you can fund a trailer.

Compare rates, structures and lenders in our full guide to the best trailer finance options in Australia.

	Equifund, commercial finance specialist	Major bank	Dealer finance
Who they lend to	Established ABN holders, sole traders to fleets, assessed on the business and the asset.	Prefers strong financials or PAYG strength, often backed by property.	Whoever is buying that brand at the desk, on a take-it-or-leave-it offer.
Income assessed	Freight, contract and BAS income. Low-doc for established ABNs, no full tax returns.	Full financials and tax returns usually required.	Limited, tied to the sale, not your wider business.
Lender choice	80+ Australian lenders matched to your deal.	One bank, one credit template.	One or two aligned financiers only.
Rate & structure	Market-tested rate, with balloon and 3 to 7 year terms and extra repayments.	Standard products with limited flexibility.	Rate loaded with dealer margin, and high balloons that flatter the monthly but cost more.
Used, private & auction	New, used, ex-fleet, private-sale and auction all financed.	Restrictive on used, private and auction buys.	Usually the dealer's own stock only.
Deposit & security	$0 deposit for prime applications, secured on the trailer, not your home.	Deposit and often property security required.	Varies, frequently bundled with add-ons.
Pre-approval speed	Typically inside 24 to 48 hours.	5 to 10 business days on average.	Fast at the desk, but the offer is fixed.

HOW THE PROCESS WORKS

How Does Trailer Finance Work in Sydney?

A simple, secure online application, with honest advice from a Australia specialist you can trust.
No pressure. No hit to your credit score.

Complete the Form in 60 Seconds

Tell us about your business and the trailer or trailer set you are financing through our secure online form.

Speak With a Trailer Finance Specialist

An Australian trailer finance specialist reviews your situation and walks you through the documents needed for the lender match.

Get Pre-Approved Over the Phone

You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your freight income actually flows.

Settle the Loan
and Take Delivery

Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.

RECENT SETTLEMENTS

Real Results for Sydney Trailer Operators

Trailer deals settled across 80+ Australian specialist lenders. ACL 389328.

“The bank wanted two years of figures and property security. A specialist lender read the freight contract and BAS instead, approved low-doc, and the trailer was earning inside the contract window.”

B-double curtainsider trailer set

Eastern Creek

“We had a contract starting and the trailer had to be ready. Splitting the deal to the right lender got us settled in days, not the weeks the bank had quoted.”

Refrigerated reefer trailer

Yennora

“Added to the fleet without tying up the house. Repayments were matched to the new run and secured on the trailer, not the family home.”

Tipper + dog trailer combo

Marsden Park

“Refinanced off a high-rate dealer deal onto a market-tested structure and freed up monthly cashflow we put straight back into the business.”

Drop-deck heavy haulage trailer

Penrith

“Prime ABN profile meant $0 deposit on a new build, secured on the asset, with a balloon sized to the residual to keep the monthly cost down.”

Container skel-trailer (port drayage)

Wetherill Park

“Bought a late-model ex-fleet unit privately at the right price. The lender funded the private sale and handled the transfer paperwork end to end.”

Tanker trailer (fuel / chemical)

Western Sydney

“Income swings with the season, so the lender structured seasonal repayments and a balloon to keep the books predictable through the quiet months.”

Livestock crate trailer

Port Botany

“First asset as a new owner-operator on a head-contractor PO. Low-doc approval got us earning without full tax returns or property behind it.”

Side-tipper trailer (mining)

Inner West Sydney

“Financed alongside the prime mover in one structured submission, one repayment, and no multi-lender credit hits on the file.”

Low-loader heavy float (machinery)

Hawkesbury Valley

“Eighteen months on the ABN and the banks would not look at it. A specialist lender scored the contract income and asset value directly and approved inside 48 hours.”

PBS-rated B-triple trailer set

Hunter Valley

FAQ

Common Sydney Trailer Finance Questions

Straight answers to the questions Melbourne transport operators ask most.

What types of trailer can I finance in Sydney?

We finance every trailer class: B-double curtainsider, refrigerated reefer, tipper + dog combo, drop-deck, low-loader heavy float (Drake), container skel (port drayage), tanker (fuel + chemical), livestock crate, side-tipper (mining) and PBS-rated B-triple sets. New, used, ex-fleet, demonstrator or private sale.

How long does Sydney trailer finance take to settle?

Pre-approval typically comes back inside a business day. Specialist lenders assess freight contract income and prime mover + trailer combination directly.

Do I need to own property to qualify?

No. Specialist lender options assess on the trailer asset and freight contract income rather than property security.

Do I need a deposit?

$0 deposit is available for prime applications, especially established linehaul operators with active freight contracts. New ABNs typically need contribution.

Can I finance a used trailer or ex-fleet set?

Yes. Used trailers (Krueger, Vawdrey, Maxitrans ex-fleet) are common asset cases. Specialist lenders look at trailer condition and service history rather than calendar age alone.

Can I finance a prime mover and trailer set together?

Yes. Combined prime mover + trailer set applications (lead-and-tag, B-double + dolly, road-train sets, refrigerated reefer combinations) are common and usually structured under a single facility against the contract value.

Can I refinance an existing trailer loan?

Yes. Refinance common when restructuring multiple trailers under one master facility or for better rate / structure.

Which lenders does Equifund work with?

A panel of 80+ Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that understand freight income, head-contractor agreements, PBS-rated configurations and the residual value of trailers across Krueger, Vawdrey, Drake, Maxitrans, Tieman, Schmitz Cargobull.

What's the difference between chattel mortgage and finance lease for trailers?

Chattel mortgage: you own the trailer, claim depreciation and GST. Finance lease: lender owns it, you pay rental; GST on each payment. Most owner-operators run chattel.

What is freight income recognition?

How specialist lenders read freight invoices, head-contractor purchase orders and route agreements directly rather than requiring PAYG salary income. Standard for owner-operators and fleet operators.

Can I finance a trailer fit-out (refrigeration, sides, signage)?

Yes. Fit-out costs (Thermo King reefer unit, side-tipper conversion, vinyl wrap, signage) bundle into the trailer facility against the freight contract or head-contractor PO.

What is low-doc trailer finance?

Low-doc trailer finance is asset finance approved on BAS, bank statements and freight contract / quote rather than full financials.

Can I claim instant asset write-off on a trailer purchase?

Tax treatment depends on structure and current ATO rules. For FY26, the small business threshold is $20,000 per asset for businesses under $10M turnover. Larger trailer purchases generally fall under standard depreciation. Consult your accountant.

What is an Australian Credit Licence (ACL)?

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.

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Important information: $0 deposit, rates, fees and approval are subject to lender criteria and your circumstances, and may vary. The information on this page is general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you before acting on it.
Equifund Financial Group, Australian Credit Licence 389328.