Service

Truck & Machinery Finance — owner-drivers to fleets

Heavy vehicle lending has its own rules on age, kilometres and experience. We know the lenders who fund prime movers, trailers and yellow goods for first-time owner-drivers as well as established fleets.

What you get

A smarter path to your truck & machinery finance

  • Compare suitable lenders. We assess rates, fees, policy and features across a wide lender panel.
  • Structure around your goals. Your recommendation considers cashflow, flexibility and the next financial move.
  • Director-led from start to finish. Eric applies 26+ years of banking and finance experience to every application.

Truck & Machinery Finance — common questions

Can a first-time owner-driver get truck finance?
Yes. Some lenders support first-time operators with industry experience, often with a deposit or property backing.
Can I finance a used truck?
Yes, with the vehicle's age and hours affecting term and pricing.
Is private-sale machinery finance possible?
Yes, subject to valuation, inspection and PPSR checks.

Not sure which loan fits? Compare our best finance options guide or run the numbers with our finance calculators.

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Prefer email? Opens your email app to info@smartroutefinance.com.au. No credit check. No obligation.