Ready to Apply?
Complete the details below to fast-track your finance application.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
$
Enter the approximate amount you’d like to finance.
3%
18%
12 months
84 months
0%
60%
Percentage of the loan left owing as a final lump-sum (balloon / residual).
Estimated repayments
Monthly repayment
$0.00
Approx. weekly
$0.00
Loan amount
$0.00
Interest rate
0.00% p.a.
Term
0 months
Balloon / residual
$0.00
Total repayable (incl. balloon)
$0.00
Estimated interest over term
$0.00
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.
.svg)
$50M+ in equipment financed
.svg)
3x faster decisions than major banks
.svg)
Dedicated support to find the best solutions
.svg)
ASIC licensed & regulated
.png?width=350&height=442&name=Rectangle%2052%20(20).png)
Trucks
.png?width=350&height=442&name=Rectangle%2052%20(17).png)
Semi-Trailers & Trailers
.png?width=350&height=442&name=Frame%202147227772%20(2).png)
Refrigerated trucks
.png?width=350&height=442&name=Rectangle%2052%20(16).png)
Excavators & Loaders
.png?width=350&height=442&name=Rectangle%2052%20(15).png)
Cranes & Site Machinery
.png?width=350&height=442&name=Frame%202147227772%20(3).png)
Trailer Trucks
.png?width=349&height=442&name=Rectangle%2052%20(19).png)
Tractors & Harvesters
.png?width=350&height=442&name=Rectangle%2052%20(21).png)
Yellow Goods
Skid Steers & Access Equipment
Higher approval rates for specialised equipment
Our specialist lenders understand your industry, delivering faster approvals so you can secure essential trucks and equipment without unnecessary delays.
.png?width=40&name=Group%20(1).png){kind=small}
We move quickly so you do not miss opportunities
Traditional lenders can take weeks. We offer fast, streamlined assessments so you can secure essential trucks before opportunities disappear.
Finance structured around your cash flow
Project cycles and seasonal freight volumes can strain fixed repayments. We tailor finance to your cash flow so your business stays stable and ready for the next job.
.png?width=40&name=Frame%20(1).png){kind=small}
One application across 80+ lenders
Instead of approaching banks one at a time, we submit your application to our panel of over 80 lenders and find the most competitive rate for your truck finance.
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 across Melbourne and Victorian freight corridors.
Assets we finance :
-
Prime movers and heavy trucks
-
Tautliners and curtain siders
-
Refrigerated transport units
-
Rigid trucks and box trucks
-
Trailers and semi-trailers
-
Tankers for fuel or liquids
-
Light commercial vehicles such as vans and utes
-
Forklifts and material handling equipment
-
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 across Victorian farming regions.
Assets we finance :
-
Tractors and agricultural machinery
-
Combine harvesters and balers
-
Ploughs, seeders, and sprayers
-
Loaders, skid steers, and access machinery
-
Livestock transport vehicles
-
Fodder and feed preparation machinery
-
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 from the western suburbs growth corridors to regional Victoria with solutions designed for ongoing operations.
Assets we finance :
-
Excavators and backhoes
-
Loaders and skid steers
-
Cranes and hoists
-
Concrete agitators and pumps
-
Compactors and rollers
-
Tippers for earthmoving and construction
-
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 earthmoving and quarry projects throughout Victoria.
Assets we finance :
-
Excavators and backhoes
-
Loaders and skid steers
-
Cranes and hoists
-
Concrete agitators and pumps
-
Compactors and rollers
-
Forklifts and material handling machinery
-
Trucks and site vehicles
HOW THE PROCESS WORKS
How Truck Finance Works in Melbourne
A straightforward path designed to move you from application to approval quickly.
01
.svg)
Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
02
.svg)
Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
03
.svg)
Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
04
.svg)
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.
.svg)
Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
.svg)
Business use
Finance solutions tailored to how your equipment supports daily business operations.
.svg)
Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
.svg)
Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Can I finance a truck for port cartage work in Melbourne?
Yes. We finance trucks used for container cartage from Melbourne Port and Webb Dock, construction haulage, refrigerated deliveries and general freight across Victoria. We understand the earning potential of trucks servicing Melbourne's busy logistics corridors.
What if I am an owner-driver with only 1-2 years of ABN history?
We specialise in newer ABN holders. If you have industry experience and a signed subcontractor agreement or ongoing work, we can often get approval even with limited trading history.
Do you finance trucks bought from interstate dealers?
Absolutely. Many Melbourne operators source trucks from dealers in Brisbane, Sydney or Perth where specific models may be more readily available. We finance interstate purchases and can settle directly with the selling dealer.
What types of trucks can I finance in Melbourne?
We finance all truck types including prime movers, tippers, rigid trucks, light commercials, refrigerated trucks, tautliners, concrete agitators and more. Whether you need a single vehicle or an entire fleet, we can structure finance to suit your requirements.
What is the difference between a chattel mortgage and a finance lease?
A chattel mortgage gives you ownership from day one and lets you claim GST upfront. A finance lease keeps the asset off your balance sheet. The best option depends on your tax position and we will walk you through both.
How quickly can I get a truck on the road with finance?
For straightforward applications, we can provide same-day approval and settle within 24 to 48 hours. If you have found the right truck, we move fast so you do not lose it.
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805