Prime movers, serious tonnage.
Heavy rigids, prime movers and B-doubles for transport operators — one application, 80+ lenders, and finance built for the long haul.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Fund the prime mover that carries the load.
Heavy haulage is a capital-hungry game, and a prime mover parked up costs real money every day it isn't turning kilometres. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to fund the heavy gear at the core of your transport operation.
Whether you're an owner-driver buying your first prime mover, a linehaul operator adding a heavy rigid or a business scaling into B-doubles, we arrange the structure — chattel mortgage, hire purchase or lease — so you manage GST and depreciation and keep working capital where it belongs. New or used, dealer or private sale, we handle it.
Because we compare the whole panel, we can place deals a single bank might knock back — older prime movers, high-kilometre units and seasonal or contract-based income. We keep it plain English, flag what affects your rate, and only lodge once you're ready.
Why finance your heavy truck with X Lend.
80+ lenders, one application
We compare commercial and specialist transport lenders in one go for the sharpest rate on heavy gear.
Owner-driver to fleet
Fund a first prime mover or add heavy capacity, with facilities sized to how your operation runs.
Prime movers, rigids and B-doubles
Heavy rigids, prime movers, trailers and B-double combinations — we finance the whole rig.
Lenders for tougher deals
Older units, high kilometres or contract income — we match you to a lender comfortable with it.
Tax-effective structures
Chattel mortgage, hire purchase or lease, structured around your GST and depreciation position.
Low-doc options
Established operators can often finance without full financials, keeping the process fast.
What you can finance.
From owner-driver to heavy haulage fleet, we arrange finance for:
- Prime movers and linehaul tractors
- Heavy rigid trucks
- B-doubles and road-train combinations
- Trailers, dog trailers and tautliners
- Tippers, tankers and specialist bodies
- Owner-driver first-truck purchases
- New, used and high-kilometre units
- Refinancing existing heavy truck finance
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare 80+ banks and non-bank lenders and place your heavy truck finance with the best fit for your operation.
Often, yes. Lenders differ widely on age and kilometres for heavy units, which is exactly why comparing 80+ of them helps — we match your rig to a lender comfortable funding it.
Frequently, yes. Some lenders weight your industry experience and freight contracts alongside time in business. We present your deal to the lenders most likely to back a new owner-driver.
Chattel mortgage, hire purchase and finance lease are all common for heavy gear. We'll explain the GST and depreciation differences so you can choose with your accountant.
Many heavy truck deals get a same-day decision and settle within 48 to 72 hours once documents and inspections are in.