Transport businesses run on vehicles that earn only while they are on the road, and on customers who often pay on terms. This guide covers how finance works for trucks and work vehicles and for the cash flow around them, with links to each detailed guide.
loan-o is a Brisbane finance broker based in Milton. We arrange truck and vehicle finance for owner-drivers and fleets across South East Queensland and beyond, comparing options from a panel of 50+ bank and non-bank lenders. This guide is general information, so check the tax side and the details of any offer with your accountant.
1. Trucks and work vehicles
2. Choose the structure
- Equipment finance guide for Australian businesses The full overview of structures, assets and costs.
- How does a chattel mortgage work?
- Chattel mortgage vs lease
- What is a balloon or residual payment? How a lump sum at the end changes repayments.
- Should you refinance a vehicle or equipment loan?
- Instant asset write-off and equipment finance
3. Cash flow while customers pay
Fuel, wages, registration and repairs are due long before a 30 or 60 day invoice is paid. These guides cover ways to bridge the gap.
4. Owner-drivers, new operators and harder cases
5. Local and next steps
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Finance is subject to lender approval, lending criteria, terms, conditions, fees and charges. The information in this article is general and does not take into account your personal or business needs. It should not be treated as personal financial, tax, legal or credit advice.
Last reviewed: 22 October 2026. This content provides general information only. It should not be treated as personal financial, tax, legal or credit advice.
Frequently asked questions.
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Often yes, but lenders look at your trading history, credit file, the truck and any deposit. A newer ABN or a weaker credit file can mean fewer options or different terms. A broker can compare lenders that suit your situation.
Yes, many lenders finance used trucks. Expect checks on age, condition and ownership, and for private sales, an inspection and a PPSR search. Lender limits on age can vary, so ask early.
Typically the truck itself, your business and trading history, your credit file, and your income or contracts. Having your documents ready speeds things up. See our guide to the documents you need to finance a truck or work ute.
A balloon is a lump sum left owing at the end of the term. It lowers regular repayments, but you still have to pay it, refinance it or sell the truck to cover it. It also means paying interest on a higher balance for longer.
Options include invoice finance, which advances cash against unpaid invoices, and a line of credit, which gives you a limit to draw on. Each has different costs and conditions, so compare them for your situation.
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