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Contract-backed applications
We present your engagement letter or contract so the lender sees the income, not just the asset.
Transport & Truck Finance
Whether you are adding your first prime mover or replacing half a fleet, we structure the finance around your contracts, your cash flow and the way transport actually gets paid.
Who we work with
- Owner-drivers
- Subcontractors
- Line-haul operators
- Tipper & bulk haulage
- Refrigerated transport
- Growing fleets
What we finance
- Prime movers and rigid trucks
- Semi, B-double and drop-deck trailers
- Tippers and dog trailers
- Refrigerated bodies and pantechs
- Light and medium commercial trucks
- Private sale and auction purchases
Chattel MortgageFinance LeaseLow Doc Finance
The challenge
A truck is only as good as the work behind it. Banks often look at a new subcontractor with a short ABN and stop there. Specialist asset lenders look further: your contract or letter of engagement, your experience behind the wheel and the income the truck will generate.
We know which lenders are comfortable with new ABNs, which will fund older trailers, and which will fund a private sale. That knowledge is usually the difference between an approval and a decline.
How Kasana helps
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New ABN pathways
Lenders who will consider operators with industry experience but a newer business.
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Seasonal repayments
Structures that can include balloons or seasonal patterns where your work is not even across the year.
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Fleet facilities
As you grow, a facility that lets you add trucks without starting from scratch each time.
Prime movers, rigids & trailers
Ways to structure it
The right structure matters as much as the rate
Chattel Mortgage
You own the asset from day one and the lender takes security over it. Often used by GST-registered businesses that want to claim the GST and depreciation.
Finance Lease
The lender owns the asset and you lease it for an agreed term, with a residual at the end. Repayments are generally treated as a business expense.
Low Doc Finance
For established ABN holders whose tax returns are behind or do not reflect current trading. Assessed on BAS, bank statements or an accountant's declaration.
General information only. The best structure depends on your circumstances, so check tax implications with your accountant.
From first call to delivery
- 1
Tell us what your business needs
The asset, the business and the timing. A short call or form is all it takes to start.
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Review finance options
We compare lenders and structures and explain the trade-offs in plain English.
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Secure approval
We prepare and lodge the application, deal with the lender and keep you updated.
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Purchase your asset and grow
The lender pays your supplier, you take delivery and the asset gets to work.
Get a quote
Tell us what you are looking to finance
There is no obligation, and an enquiry does not touch your credit file. A specialist will call you to talk through the options.
What you will typically need
- Driver's licence and ABN
- Details of the truck or trailer (invoice or listing)
- Contract or letter of engagement, if you have one
- Recent BAS or bank statements for low doc
- Tax returns and financials for larger facilities
Questions
Transport & Truck Finance: common questions
Can I get truck finance with a new ABN?
Often, yes. Several lenders will consider a new ABN when you have relevant industry experience and a contract or letter of engagement. Expect a deposit or a slightly different structure while the business establishes a trading history.
Do you finance used trucks and private sales?
Yes. Age limits vary by lender, so we match the asset to a lender whose policy fits. Private sales need an independent valuation or inspection in most cases.
Can I finance a truck and trailer together?
Yes. A combination can sit under one agreement or two, depending on the assets and the lender. We will explain the trade-offs before you commit.
Will an enquiry affect my credit file?
An initial conversation does not. We only submit an application, which creates a credit enquiry, once you have agreed on the lender and structure.
The Kasana group
Beyond asset finance. One trusted group supporting your business journey.
Most brokers finance the asset and walk away. Through the Kasana group, the same relationship can cover the equipment, the business and property lending behind it, and the insurance that protects it all.
Assets
Kasana Asset Finance
You are hereTrucks, vehicles, machinery and equipment finance.
- Trucks, trailers & fleets
- Construction & machinery
- Medical & hospitality equipment
Lending
Kasana Finance
Business lending and property finance.
- Business & working capital loans
- Commercial property
- Refinancing
Protection
Kasana Insurance Brokers
Protecting business assets with tailored insurance solutions.
- Commercial motor & fleet
- Plant & equipment cover
- Business insurance packages
Get Started Today
Ready to talk transport & logistics finance?
Speak with a Kasana specialist about the asset, the structure and the lenders that fit your business.