Truck Finance Melbourne

Container drayage doesn't sit neatly in the freight category most banks know, so the first two declines came back quickly. A non-bank that actually reads Webb Dock movement data understood the contract value. The side-loader has been earning since, and we have added two new wharf clients we could not have taken on before.

We had a distribution centre contract starting and four trucks needed to be ready. Our usual bank's timeline did not line up with the contract start date. Splitting the deal across two specialist lenders meant the fleet was in place for day one, and we have since picked up a second DC route on the back of the first.

Refrigerated income peaks twice a year and dies in between. After twelve years of explaining that to lenders, we finally have a loan structured around real seasonality. Cashflow has been more predictable since, which gave us the room to add a second refrigerated rigid this year.

Concrete agitator work on the West Gate Tunnel is steady, but the head contractor pays on progress claims, not flat monthly cycles. Dealer finance would not accommodate that. The lender we ended up with structured repayments around site payment terms, and I have been able to commit to a second project without overstretching income cycle.

For a six-truck refrigerated fit-out the bank wanted property security across the lot, which would have tied up the warehouse. The lender that took the cold chain contract as the asset case kept the property clear, and we have been able to bid on a second freezer DC contract this year.

Wanted a late-model used Kenworth B-double for the Hume corridor to Sydney. The dealer's structure was going to eat the linehaul margin. A non-bank that understands route economics took the deal on the used spec without grinding the price. The truck has been on the lane from week one and is comfortably covering the repayment.

Melbourne to Adelaide twice a week, same route nine years. The bank still wants three years of full financials every time. The non-bank we got matched with took the two recent BAS quarters and the route history. We replaced the prime mover without losing a week of work, and we have held the contract since.

Needed a crane truck on site for first pour on a tier-one fit-out. Bank turnaround was not going to make it. A lender that scores on active contracts and operator experience took the deal. The truck made first pour, the contract delivered, and we have been on two more fit-outs for the same builder since.

Quad-axle dog trailer feeding aggregate to the North East Link sites is solid work if you have the gear. The bank's queue was running into months. A non-bank read the contract, the route and the spec, and got the trailer on the road. The contract has expanded and we are now looking at a second trailer to keep up.

Bought a 2019 Mack at auction for the Tullamarine air-freight cold chain run. You have about a day to find the money or you forfeit the deposit. The non-bank had it sorted before the next pickup cycle, and the truck has been on the apron since. Has paid down to where we are looking at the next one.