Truck Finance.
Prime movers, rigid trucks, tippers, refrigerated and tray trucks, light commercial, buses and coaches. TMF finances the cab, the body and the build-up across new, used and imported pathways.
7 asset types in truck.
Each asset has its own finance pathway, price range and typical deal size. Click through to see structures, lender appetite and FAQs for the specific machine you’re considering.
Tipper Truck Finance
Single, tandem, tri-axle, and truck-and-dog tipper configurations. The tipper market moves with infrastructure pipelines — TMF tracks tender…
Prime Mover Finance
Heavy-duty prime movers for interstate linehaul, B-double, and road-train configurations. TMF finances new and near-new units from all major…
Rigid Truck Finance
Rigid trucks across small, medium and heavy duty cycles — vocational distribution, refuse, council fleet, concrete agitators and tilt-tray o…
Refrigerated Truck Finance
Refrigerated trucks for cold chain logistics, food service distribution, pharmaceutical freight and frozen goods. Single and multi-temp box …
Tray Truck Finance
Tray-back, flat-bed and drop-side trucks for general freight, building supply, scaffold delivery and tradies needing serious payload. Light,…
Light Commercial Vehicle Finance
Vans, utes, dual-cab commercial vehicles and panel vans for tradies, service businesses and small fleets. ABN-backed pathway with fast appro…
Bus & Coach Finance
School buses, route buses, charter coaches, minibuses and tourist coaches. Finance for school bus operators, charter businesses and tourism …
Financing truck.
Trucks are the single most financed asset in the TMF book. We structure around the work the truck will earn — contract length, kilometres and replacement cycle — not just the sticker price, so repayments sit comfortably against the revenue the truck generates.
Chattel mortgage
The most common structure. You own the truck from settlement and claim the GST on your next BAS. Best for operators wanting ownership and the depreciation benefits.
Finance lease & hire purchase
Use the truck while the lender holds title, with ownership passing at the end of the term. Useful where cashflow or balance-sheet treatment matters.
Balloon / residual
Defer a lump sum (commonly 15–20% on newer trucks) to the end of the term to keep monthly repayments lower and matched to a planned trade-in.
- →Terms typically run 3–7 years depending on age and kilometres.
- →Used and private-sale trucks are core TMF work — not an exception many bank desks decline.
- →Well-maintained trucks finance older with verified service history and kilometres.
- →Established operators can often finance with little or no deposit.