Light trucks, sized for the run.
Car-licence trucks for delivery, removals and landscaping — one application, 80+ lenders, and finance built around a growing operation.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Finance the light truck that grows the business.
A light rigid is often the step up that lets a business carry more, travel further and take on bigger jobs. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to fund your light or medium truck at a rate that suits how the operation runs.
Whether it's a car-licence truck for local deliveries, a pantech for a removalist or a tipper for a landscaper, we arrange the structure — most often a chattel mortgage — so you own the truck, manage GST and depreciation, and keep working capital free. New, used, dealer or private sale, we sort it.
Because we compare the whole panel, we can match low-doc options to established ABNs and back newer operators taking their first truck. We explain the numbers in plain English, flag what moves your rate, and only lodge once you're ready to proceed.
Why finance your light truck with X Lend.
80+ lenders, one application
We compare commercial and transport lenders in one go for the sharpest rate on your light truck.
Car-licence trucks
Light rigids and cab-chassis that suit a growing operation and a standard licence.
Chattel mortgage structures
Own the truck and finance it against the business, with GST and depreciation handled effectively.
Low-doc options
Established ABNs can often finance without full financials, keeping the process fast and light.
Bodies and fitouts financed in
Pantech, tipper, tray or refrigerated bodies can often be wrapped into the same facility.
New, used and private sale
Dealer floor or a private buy — we arrange finance and handle the checks so it settles cleanly.
What you can finance.
From first truck to fleet addition, we arrange finance for:
- Light and medium rigid trucks
- Car-licence delivery trucks
- Pantech and box trucks for removalists
- Tippers and tray trucks for landscapers
- Refrigerated and curtain-side bodies
- Cab-chassis with custom fitouts
- New, used and ex-fleet units
- Refinancing an existing truck loan
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 light truck finance with the best fit for your operation.
Yes. Many light rigid trucks fall within a standard car licence, and we arrange finance for them just as we would any commercial vehicle. We'll match your unit to the right lender.
Often, yes. Pantech, tipper, tray and refrigerated bodies can frequently be financed as part of the truck's value, so the work-ready unit sits under one facility.
Frequently, yes. Some lenders weight your industry experience alongside time in business. We present your deal to the lenders most likely to back a newer operator.
Many light truck deals get a same-day decision and settle within 48 to 72 hours once documents and any inspection are in.