Business Finance
Big trucks, serious finance.
Heavy work needs reliable gear — one application, 67+ lenders, and funding for the backbone of your operation.
Fund the gear that keeps you moving.
A truck that's off the road costs you money. Whether you're adding a rigid for local runs or a prime mover for the long haul, X Lend is a finance broker: we take one application and compare it across 67+ banks and non-bank lenders to fund the backbone of your operation smoothly.
From owner-operators buying their first rig to fleets adding capacity, we arrange finance for new and used trucks, dealer or private sale. We structure it as a chattel mortgage, hire purchase or lease so you can manage GST and depreciation and keep working capital where it belongs.
Because we compare the whole panel, we can place deals that a single bank might knock back — including older trucks, higher-kilometre units and seasonal operators. We keep it plain English and only lodge once you're ready.
Why finance your truck with X Lend.
67+ lenders, one application
We compare commercial and specialist transport lenders in one go for the sharpest rate available to you.
Owner-operator to fleet
Fund a single rig or expand a fleet, with facilities sized to how your operation runs.
New, used and private sales
Dealer floor or a private buy — we arrange finance and handle the checks so the deal settles cleanly.
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 it fast.
Lenders for tricky deals
Older trucks, high kilometres or seasonal income — we match you to a lender comfortable with it.
What you can finance.
From light rigids to heavy haulage, we arrange finance for:
- Prime movers and semis
- Rigid trucks and cab-chassis
- Tippers and dump trucks
- Trailers, dog trailers and B-doubles
- Curtain-siders and refrigerated bodies
- Tow trucks and specialist bodies
- New and used units
- Refinancing existing truck finance
Approved in three simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Apply
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
Approved
We take your deal to the lenders most likely to say yes, negotiate the rate, and bring you a clear recommendation. No guesswork.
- 03
Funded
We handle the paperwork and settlement. The money lands in your account or with the seller — you just sign.
Common questions, straight answers.
We're a finance broker: we compare 67+ banks and non-bank lenders and place your truck finance with the best fit for your operation.
Often, yes. Lenders differ on truck age and kilometres, which is exactly why comparing 67+ of them helps — we match your unit to a lender comfortable funding it.
Frequently, yes. Some lenders weight your industry experience and contracts as well as time in business. We present your deal to the lenders most likely to back a new operator.
Chattel mortgage, hire purchase and finance lease are all common for trucks. We'll explain the GST and depreciation differences so you can choose with your accountant.
Many truck deals get a same-day decision and settle within 48 to 72 hours once documents and inspections are in.