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Transport & Logistics

Business Loans for Transport & Logistics

Finance your fleet, fuel costs, and business growth with loans designed for transport operators and logistics companies across Australia.

Loans from $10K to $2M, over 12 to 84 months, depending on the lender and the security.

Transport & Logistics business loans at a glance
  • Loan amounts from $10K to $2M
  • Terms from 12 to 84 months
  • Secured and unsecured options, matched to the security you have
  • A licensed broker who compares lenders for transport & logistics
  • No obligation to proceed with any offer

Common financing needs: Transport & Logistics

The things businesses in this sector most often finance:

Truck and fleet finance
Trailer and body purchases
Fuel and operating cost funding
Warehouse and depot upgrades
GPS and fleet management technology

Transport & Logistics business loan features

Loans from $10,000 to $2,000,000
Fleet finance with volume discounts
Fuel and operating cost facilities
Chattel mortgage and hire purchase
Balloon payment options

How businesses in this sector use finance

Grow Your Fleet

Add trucks, vans, and trailers to your fleet without large upfront capital. Spread the cost over the earning life of the asset.

Manage Fuel Costs

Access working capital facilities to manage rising fuel costs and maintain healthy cash flow between invoice payments.

Tax Efficient Structures

Choose between chattel mortgage, hire purchase, and operating lease structures to maximise tax benefits for your business.

Fleet Specialists

Work with lenders who understand transport operations and can offer competitive rates for multiple vehicle purchases.

Lending challenges for this sector

Lenders that specialise in the sector can work with situations like these, which is where a broker's knowledge of each lender's appetite matters:

Rising fuel and operating costs squeezing margins
Long payment terms from major freight customers
High capital requirements for fleet expansion

How to get a business loan for transport & logistics

1

Tell us your needs

Share what the finance is for, how much you need and how long you have been trading.

2

A broker compares lenders

A licensed business finance broker compares lenders on their panel for transport & logistics.

3

Compare your options

Review the offers and choose the one that fits.

4

Settlement

The lender settles the loan and releases the funds.

Transport & Logistics business loan FAQs

Can I finance a fleet of trucks at once?
Yes. Lenders offer fleet finance that covers multiple vehicles in a single transaction, and documentation can be streamlined for fleet purchases.
What is the best finance structure for a transport business?
The best structure depends on your business. Chattel mortgage lets you claim GST upfront and depreciation. Hire purchase spreads payments and you own the asset at the end. Operating lease offers lower repayments and suits businesses wanting to upgrade regularly.
Can I get finance for used trucks?
Yes. Broker partners can place finance on used trucks and trailers up to 15 years old with many lenders. Rates and terms vary based on the age and condition of the vehicle, but competitive options are available for quality used equipment.
How does balloon payment work for truck finance?
A balloon payment defers a portion of the loan to the end of the term, reducing your monthly repayments. At the end, you can pay the balloon, refinance it, trade in the vehicle, or return it under certain lease structures.
Can trailers and body work be financed separately?
Yes. Trailers, body builds, refrigeration units, and accessories can be financed separately or bundled with the prime mover, and a broker can structure the finance to suit your requirements.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a secured loan of $150,000 over 25 years for home loans, a loan of $30,000 over 5 years for car and personal loans, and $50,000 over 5 years for equipment finance, unless the lender states another basis.

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