Specialising in truck finance for all your transportation needs

Let Us Finance
The Road
To Your Future

We know trucks and the transport industry just like you do — our finance solutions are built specifically to suit your business needs.

$500K

Pre-approval limit, no credit impact

2–5

Business days to full settlement

10+

Truck categories financed

How It Works

Truck Finance
Process

Check Eligibility / Online Pre-Approval

Get pre-approved for up to $500,000 in seconds — without impacting your credit score.

ID Check / Unconditional Approval

We verify your identity and run a full credit assessment to confirm your approval.

Payment Options Presented & Accepted

We present tailored finance structures and you choose the option that suits your business.

Documents Issued / Settlement

Contracts are signed and funds settled so you can get behind the wheel.

What We Finance

New & Used
Truck Finance

Prime Movers

Tip Trucks

Crane Trucks

Tilt Tray / Tow Trucks

Livestock Trucks

Water Trucks

Pantech Trucks

Concrete Trucks

Vacuum Trucks

Concrete Pump Trucks

Why Heavy Haulage Finance

A Finance Company
You Can Depend On

Funding Channels

Mainstream & Private Funding

We offer both mainstream and private funding channels, giving you access to capital like never before. This means we can close deals others cannot — including start-ups and non-standard applications.

Industry Expertise

We Know Trucks

We don't just finance — we understand the transport industry. Our tailored packages are designed to suit your specific business needs, providing immediate financial support and promoting sustainable growth.

Speed

Fast Pre-Approvals

Our online system gives you a pre-approval decision in seconds for amounts up to $500,000. Checking your eligibility won't affect your credit score — explore your options freely.

Flexibility

Tailored Packages

Every finance package is structured around your unique business situation. Whether you're an established fleet operator or just starting out in transport, we have a solution that fits.

Ready to Get Started
on Your Journey?

Check if you can get pre-approval for up to $500,000 without impacting your credit score. Fast decisions, real results.

Step by Step

Truck Finance
Process

From first enquiry to settlement, we've streamlined every step. Most applications move from pre-approval to funded in just 2–5 business days.

Step One

Check Eligibility /
Online Pre-Approval

Our online pre-approval system is fast, simple, and completely safe for your credit score. Submit your basic details and receive an indicative approval for up to $500,000 in seconds.

No hard credit enquiry — your score is protected throughout this step

Pre-approvals available for amounts up to $500,000

Takes less than 2 minutes to complete online

Available for new and used trucks across all categories

Step Two

ID Check /
Unconditional Approval

Once pre-approved, we conduct a formal identity verification and full credit assessment. Our team works across mainstream and private lenders to find the approval that fits your profile.

Government-issued ID verification (driver licence or passport)

ABN and business trading history check

Full credit assessment through our lender network

Access to private funding for non-standard applications

Step Three

Payment Options
Presented & Accepted

We present you with a tailored finance structure based on your approval. This includes loan term, repayment schedule, interest rate, and any applicable balloon or residual. You choose what works best for your cash flow.

Chattel mortgage, finance lease, and hire purchase options

Flexible loan terms to suit your business cash flow

Balloon payment options available to reduce monthly repayments

Clear breakdown with no hidden costs or surprise fees

Step Four

Documents Issued /
Settlement

Once you accept the finance terms, loan contracts are issued and countersigned. Funds are disbursed directly to the vendor and the truck is yours — ready to get on the road.

Digital or paper contracts issued within 24 hours of acceptance

Funds disbursed directly to the vendor or dealership

Typical settlement: 2–5 business days from unconditional approval

Our team is on hand throughout to answer any questions

Our Speciality

Trucks We Finance

We fund new and used commercial vehicles across all major categories. If you don't see your truck listed, contact us — we almost certainly have a solution.

Prime Movers

Powerful semi-trailer tractors purpose-built for long-haul freight across Australia's highways. Finance solutions for both new premium units and quality used stock from leading manufacturers.

Tip Trucks

Hydraulic dump-body vehicles for bulk material transport — soil, gravel, sand, demolition waste and more. Finance available for all chassis configurations from light-rigid to heavy combination.

Crane Trucks

Vehicles with integrated loader cranes for on-site lifting and precise load placement. We finance both knuckle-boom and straight-boom configurations across all lifting capacity classes.

Tilt Tray / Tow Trucks

Specialised recovery and vehicle transport solutions. Finance available for hydraulic tilt-tray loaders and integrated tow trucks used by roadside assistance operators and vehicle transport businesses.

Livestock Trucks

Purpose-built for the safe transport of cattle, sheep and other farm animals. Finance covers both single-deck and multi-deck configurations with ventilated livestock bodies.

Water Trucks

Dust suppression and water delivery vehicles for construction and mining operations. Finance available for alloy and poly-tank configurations across all water capacity classes.

Pantech Trucks

Enclosed van-body trucks for general freight, retail deliveries and temperature-sensitive cargo. Finance covers standard and refrigerated pantech bodies on rigid and articulated chassis.

Concrete Trucks

Rotating drum mixer trucks for fresh concrete delivery to residential and commercial building sites. Finance for both rear-discharge and front-discharge drum configurations.

Vacuum Trucks

Industrial liquid waste, hydro-excavation and non-destructive digging applications. Finance covers combination and pure-suction units used across civil, utility and environmental sectors.

Concrete Pump Trucks

Extending boom and line-pump systems for precise concrete placement at height or distance. Finance available for boom pumps of all reach configurations used on major construction projects.

Don't see your truck listed?

We also finance trailers, heavy machinery and other transport-related equipment. Contact us to discuss your specific needs.

Our Difference

Why Heavy Haulage
Finance

We're a finance company built on real industry knowledge — not a generic lender that finances anything. Our specialist focus on trucks and transport gives our clients a genuine edge.

Industry Knowledge

We Know Trucks Inside Out

Unlike generalist finance brokers, our entire focus is trucks and commercial transport. We understand the equipment, the industry cycles, the seasonal cash flow pressures, and what makes a good deal for a transport business. That depth of knowledge means we structure finance that genuinely fits — not just ticks the boxes.

Funding Access

Mainstream & Private Channels

Most brokers only have access to mainstream bank lenders. We maintain both mainstream and private funding relationships, which dramatically expands what's possible. This lets us close deals that others cannot — older vehicles, start-up ABNs, unusual applications, non-standard structures. If there's a deal to be done, we find the channel to do it.

No Score Impact

Safe Pre-Approval System

Our online pre-approval system performs a soft enquiry only, meaning your credit score is completely unaffected. You can explore your options, compare structures and understand your borrowing power — all without leaving any mark on your credit file. Only when you choose to proceed does a formal credit assessment take place.

Speed & Service

Fast Decisions That Hold

Pre-approval decisions arrive in seconds. Unconditional approval and full settlement typically completes within 2–5 business days. Our streamlined process and experienced team means you don't wait weeks for a decision that matters. We work at the pace the transport industry demands.

Flexibility

Finance Tailored to Your Business

No two transport businesses are the same, so we don't offer one-size-fits-all packages. We look at your operation, your cash flow patterns, your growth plans and your tax position, then structure a finance arrangement that makes commercial sense. Whether that's a chattel mortgage, finance lease, commercial hire purchase or a hybrid arrangement — we build around you.

Support

We Close Deals Others Won't

Our private funding channels mean we regularly settle applications that mainstream lenders have declined. Start-ups, operators with complex credit histories, older vehicles, unusual configurations — our track record of closing difficult deals is one of the most tangible ways we deliver value over a standard finance broker.

No Credit Impact

Get Pre-Approved

Check your eligibility for up to $500,000 in truck finance without affecting your credit score. Fast decision. No obligation.

What Happens Next

Finance you can trust,
decisions you can act on

Our pre-approval system assesses your eligibility in seconds using a soft credit enquiry — meaning no impact to your credit score at this stage. Once you're pre-approved, our specialists will contact you to discuss your options and move toward unconditional approval.

Pre-approval for amounts up to $500,000
No hard credit enquiry — your score stays protected
Finance available for new and used trucks
Available to established operators and start-ups
Our specialists contact you within one business day

Step 1 of 3 Takes only a few minutes

Fast · Secure · No Credit Impact

Start Your Pre-Approval

Tell us a little about yourself to begin your truck finance application.

1Details

2Finance

3Complete

Common Questions

Frequently Asked
Questions

Everything you need to know about truck finance with Heavy Haulage Finance. Can't find your answer? Call us on 1800 011 360.

Interest rates vary depending on several factors: the age and type of truck, the loan amount, your business trading history, and your overall credit profile. We work across both mainstream and private funding channels, which allows us to source competitive rates even for applications that don't meet standard bank criteria. The best way to understand your rate is to complete our pre-approval — it won't affect your credit score and gives you a real picture of your options.

Our online pre-approval form collects your basic personal and business details — name, contact information, ABN, loan amount required, and truck type. The system performs a soft credit enquiry (which does not affect your score) and provides an indicative pre-approval decision in seconds. Once you have your pre-approval, one of our specialists will contact you to discuss the next steps toward unconditional approval.

Pre-approval is instant. From there, the full process — ID check, unconditional approval, document signing, and settlement — typically takes 2–5 business days, depending on how quickly documentation is provided and whether the truck is new or used. Our team is experienced at keeping things moving efficiently so you're not waiting around when you have work to get to.

We finance prime movers, tip trucks, crane trucks, tilt tray and tow trucks, livestock trucks, water trucks, pantech trucks, concrete trucks, vacuum trucks, and concrete pump trucks. We also finance trailers and heavy machinery in many cases. If your vehicle isn't on the list, contact us directly — we can almost always find a solution across our mainstream and private lender network.

We finance both new and used trucks, including older vehicles that mainstream lenders would typically decline. Our private funding channels are significantly more flexible around vehicle age. Restrictions vary by lender and application type — the older the truck, the more likely we'll route it through a private funding channel rather than a bank. Contact us to discuss the age of the vehicle you're looking to finance.

We offer chattel mortgage, finance lease, and commercial hire purchase arrangements. Each has different implications for your tax position, GST treatment, and balance sheet — our specialists will explain the differences and help you choose the structure that's most advantageous for your business. We do not offer personal loans or consumer finance products.

Yes. We regularly assist start-up transport businesses and new ABN holders who cannot access mainstream bank lending. Our private funding channels are considerably more flexible when it comes to trading history requirements. In some cases, a deposit or additional security may be required. We encourage you to get in touch so we can assess your specific situation and find the best path forward.

Our team operates across Australia and assists clients in all states and territories. The majority of our process is conducted remotely — you don't need to visit us in person for any stage. You can reach us by phone on 1800 011 360 or by email at admin@heavyhaulagefinance.com.au.

Trucks are our primary speciality, but we also finance trailers, heavy equipment, earthmoving machinery, and other transport-related assets. If you have a commercial vehicle or equipment finance need, it's worth having a conversation with us — even if it falls outside what's listed on our site.

Still have questions?

Call us on 1800 011 360 or send us a message. We're here to help.

Get in Touch

Contact Us

Ready to talk trucks and finance? Our specialists are available across Australia. Reach out by phone, email, or via the form below.

Direct Contact

We're available across
Australia, every day.

Whether you're ready to start or just exploring your options, our team is happy to talk through your situation and explain what's possible — without any pressure.

Phone

1800 011 360

Freephone, available business hours

admin@heavyhaulagefinance.com.au

We respond within one business day

Coverage

Australia-Wide

All states and territories. Process conducted remotely — no in-person visit required.

Step 1 of 3 Takes only a few minutes

Fast · Secure · No Credit Impact

Start Your Pre-Approval

Tell us a little about yourself to begin your truck finance application.

1Details

2Finance

3Complete

Secure

Quick reply

No pressure

Your information is private and handled securely.

Let Us FinanceThe RoadTo Your Future

Truck FinanceProcess

New & UsedTruck Finance

A Finance CompanyYou Can Depend On

Truck FinanceProcess

Trucks We Finance

Why Heavy HaulageFinance

Get Pre-Approved

Start Your Pre-Approval

Frequently AskedQuestions

Contact Us

Start Your Pre-Approval

Let Us Finance
The Road
To Your Future

Truck Finance
Process

New & Used
Truck Finance

A Finance Company
You Can Depend On

Truck Finance
Process

Why Heavy Haulage
Finance

Frequently Asked
Questions